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.
Moved up
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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.
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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
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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.
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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.
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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.
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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.
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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.
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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.