THIS WEEK

What changed this week in future affordability

A factual changelog from Aspire's committed rate-data refresh. Values are trailing CAGRs at these assumptions, with sources and as-of dates shown.

Issue 2026-10-26 · Source data as of 2026-10-26 · Refresh threshold 0.05 percentage points

8 tracked cost-vector moves crossed 0.05 percentage points. Each row shows the prior and current trailing CAGR at these assumptions.

Change in trailing CAGR, in percentage points, at these assumptions. Decreases extend left; increases extend right.

Home — Los Angeles, CA +0.15 pp
Home — Nashville, TN -0.10 pp
Home — Charlotte, NC -0.09 pp
Home — Tampa, FL -0.09 pp
Home — Orlando, FL -0.09 pp
Home — San Francisco, CA +0.08 pp
Home — Dallas, TX -0.08 pp
Home — Seattle, WA -0.07 pp

Moved up

Home — Los Angeles, CA
Previous CAGR at these assumptions5.90%

Current CAGR at these assumptions6.05%

Move+0.15 pp

Home — Los Angeles, CA rose 0.15 percentage points from the prior refresh. Source: Zillow ZHVI. As of 2026-10-26.
Home — San Francisco, CA
Previous CAGR at these assumptions3.82%

Current CAGR at these assumptions3.90%

Move+0.08 pp

Home — San Francisco, CA rose 0.08 percentage points from the prior refresh. Source: Zillow ZHVI. As of 2026-10-26.

Moved down

Home — Nashville, TN
Previous CAGR at these assumptions6.60%

Current CAGR at these assumptions6.50%

Move-0.10 pp

Home — Nashville, TN fell 0.10 percentage points from the prior refresh. Source: Zillow ZHVI. As of 2026-10-26.
Home — Charlotte, NC
Previous CAGR at these assumptions7.16%

Current CAGR at these assumptions7.07%

Move-0.09 pp

Home — Charlotte, NC fell 0.09 percentage points from the prior refresh. Source: Zillow ZHVI. As of 2026-10-26.
Home — Tampa, FL
Previous CAGR at these assumptions6.88%

Current CAGR at these assumptions6.79%

Move-0.09 pp

Home — Tampa, FL fell 0.09 percentage points from the prior refresh. Source: Zillow ZHVI. As of 2026-10-26.
Home — Orlando, FL
Previous CAGR at these assumptions6.49%

Current CAGR at these assumptions6.40%

Move-0.09 pp

Home — Orlando, FL fell 0.09 percentage points from the prior refresh. Source: Zillow ZHVI. As of 2026-10-26.
Home — Dallas, TX
Previous CAGR at these assumptions5.45%

Current CAGR at these assumptions5.37%

Move-0.08 pp

Home — Dallas, TX fell 0.08 percentage points from the prior refresh. Source: Zillow ZHVI. As of 2026-10-26.
Home — Seattle, WA
Previous CAGR at these assumptions6.23%

Current CAGR at these assumptions6.16%

Move-0.07 pp

Home — Seattle, WA fell 0.07 percentage points from the prior refresh. Source: Zillow ZHVI. As of 2026-10-26.

Unchanged notables

Vector	Current CAGR	Source	As of	Window
Cost of living (CPI)	3.38% at these assumptions	FRED	2026-10-26	2016-09-01 to 2026-09-01 (10 years)
Home — US national (Case-Shiller)	6.31% at these assumptions	FRED	2026-10-26	2016-07-01 to 2026-07-01 (10 years)
Rent — US (CPI rent of primary residence)	4.18% at these assumptions	BLS CPI-U, Rent of primary residence, U.S. city average, NSA	2026-10-26	2016-09-01 to 2026-09-01 (10 years)
Homeowner carrying costs (tax + insurance + upkeep)	3.60% at these assumptions	Composite — see methodology	2026-05-31	2015-12-01 to 2025-12-01 (10 years)
Healthcare	2.37% at these assumptions	FRED	2026-10-26	2016-09-01 to 2026-09-01 (10 years)
Childcare — day care and preschool	4.86% at these assumptions	BLS CPI-U, Day care and preschool, U.S. city average, NSA	2026-10-26	2021-09-01 to 2026-09-01 (5 years)
Private K-12 tuition	3.78% at these assumptions	BLS API:CUUR0000SEEB02	2026-10-26	2016-09-01 to 2026-09-01 (10 years)
S&P 500 Total Return	15.33% at these assumptions	Yahoo Finance:^SP500TR	2026-10-26	2016-09-01 to 2026-09-01 (10 years)

Sources and method

Trailing compound annual growth rate (CAGR). Most rows use 10-year windows; childcare uses the 5-year methodology source-audit window. Equities/gold/BTC: monthly closes from Yahoo Finance; sp500 uses ^GSPC price-index closes, while sp500_total_return uses ^SP500TR dividends-reinvested total return. CPI sub-indices + national home: FRED/BLS monthly series. Metro-level homes: Zillow ZHVI (SFR + condo mid-tier, smoothed, seasonally adjusted). Metro-level rents: Zillow ZORI (all homes + multifamily, smoothed, seasonally adjusted). Tuition: College Board Trends in College Pricing (annual).

This page reports trailing source data from rates.json. It does not recommend any asset, account, allocation, security, mortgage, insurance product, or financial action.

See methodology

Moved up

Moved down

Unchanged notables

Sources and method

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