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 2026-07-30 · Source data as of 2026-07-30 · 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.
Weekly mover chart for the 2026-07-30 Aspire rate refresh

Moved up

  • S&P 500 Total Return
    Previous CAGR at these assumptions14.96%
    Current CAGR at these assumptions15.51%
    Move+0.55 pp

    S&P 500 Total Return rose 0.55 percentage points from the prior refresh. Source: Yahoo Finance:^SP500TR. As of 2026-07-30.

  • Home — Hartford, CT
    Previous CAGR at these assumptions6.03%
    Current CAGR at these assumptions6.09%
    Move+0.06 pp

    Home — Hartford, CT rose 0.06 percentage points from the prior refresh. Source: Zillow ZHVI. As of 2026-07-30.

Moved down

  • Home — Seattle, WA
    Previous CAGR at these assumptions6.69%
    Current CAGR at these assumptions6.38%
    Move-0.31 pp

    Home — Seattle, WA fell 0.31 percentage points from the prior refresh. Source: Zillow ZHVI. As of 2026-07-30.

  • Home — Portland, OR
    Previous CAGR at these assumptions4.85%
    Current CAGR at these assumptions4.55%
    Move-0.30 pp

    Home — Portland, OR fell 0.30 percentage points from the prior refresh. Source: Zillow ZHVI. As of 2026-07-30.

  • Home — Dallas, TX
    Previous CAGR at these assumptions5.89%
    Current CAGR at these assumptions5.62%
    Move-0.27 pp

    Home — Dallas, TX fell 0.27 percentage points from the prior refresh. Source: Zillow ZHVI. As of 2026-07-30.

  • Home — Denver, CO
    Previous CAGR at these assumptions5.03%
    Current CAGR at these assumptions4.76%
    Move-0.27 pp

    Home — Denver, CO fell 0.27 percentage points from the prior refresh. Source: Zillow ZHVI. As of 2026-07-30.

  • Home — Los Angeles, CA
    Previous CAGR at these assumptions6.06%
    Current CAGR at these assumptions5.82%
    Move-0.24 pp

    Home — Los Angeles, CA fell 0.24 percentage points from the prior refresh. Source: Zillow ZHVI. As of 2026-07-30.

  • Home — Austin, TX
    Previous CAGR at these assumptions4.11%
    Current CAGR at these assumptions3.87%
    Move-0.24 pp

    Home — Austin, TX fell 0.24 percentage points from the prior refresh. Source: Zillow ZHVI. As of 2026-07-30.

Other refreshed rows

These rows changed in rates.json but are not tracked as cost-vector movers for this page.

Row Previous CAGR Current CAGR Move Source As of
Bitcoin 59.69% at these assumptions 56.29% at these assumptions -3.40 pp Yahoo Finance:BTC-USD 2026-07-30
S&P 500 Price Index 13.05% at these assumptions 13.58% at these assumptions +0.53 pp Yahoo Finance:^GSPC 2026-07-30

Unchanged notables

Vector Current CAGR Source As of Window
Cost of living (CPI) 3.31% at these assumptions FRED 2026-07-30 2016-06-01 to 2026-06-01 (10 years)
Rent — US (CPI rent of primary residence) 4.21% at these assumptions BLS CPI-U, Rent of primary residence, U.S. city average, NSA 2026-07-30 2016-06-01 to 2026-06-01 (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)
Private K-12 tuition 3.67% at these assumptions BLS API:CUUR0000SEEB02 2026-07-30 2016-06-01 to 2026-06-01 (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

Archive

  • July 30, 2026 A weekly source-data changelog showing the tracked future-affordability vectors that moved in the 2026-07-30 refresh.
  • July 27, 2026 A weekly source-data changelog showing the tracked future-affordability vectors that moved in the 2026-07-27 refresh.
  • July 20, 2026 A weekly source-data changelog showing the tracked future-affordability vectors that moved in the 2026-07-20 refresh.
  • July 13, 2026 A weekly source-data changelog showing the tracked future-affordability vectors that moved in the 2026-07-13 refresh.
  • June 29, 2026 A weekly source-data changelog showing the tracked future-affordability vectors that moved in the 2026-06-29 refresh.
  • June 22, 2026 A weekly source-data changelog showing the tracked future-affordability vectors that moved in the 2026-06-22 refresh.
  • June 15, 2026 A weekly source-data changelog showing the tracked future-affordability vectors that moved in the 2026-06-15 refresh.
  • June 8, 2026 A weekly source-data changelog showing the tracked future-affordability vectors that moved in the 2026-06-08 refresh.
  • June 2, 2026 A weekly source-data changelog showing no tracked cost-vector moves of 0.05 percentage points or more in the 2026-06-02 refresh.