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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Childcare — day care and preschool
Previous CAGR at these assumptions4.67%Current CAGR at these assumptions4.90%Move+0.23 pp
Childcare — day care and preschool rose 0.23 percentage points from the prior refresh. Source: BLS CPI-U, Day care and preschool, U.S. city average, NSA. As of 2026-09-14.
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Private K-12 tuition
Previous CAGR at these assumptions3.70%Current CAGR at these assumptions3.80%Move+0.10 pp
Private K-12 tuition rose 0.10 percentage points from the prior refresh. Source: BLS API:CUUR0000SEEB02. As of 2026-09-14.
Moved down
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Healthcare
Previous CAGR at these assumptions2.50%Current CAGR at these assumptions2.37%Move-0.13 pp
Healthcare fell 0.13 percentage points from the prior refresh. Source: FRED. As of 2026-09-14.
Unchanged notables
| Vector | Current CAGR | Source | As of | Window |
|---|---|---|---|---|
| Cost of living (CPI) | 3.34% at these assumptions | FRED | 2026-09-14 | 2016-08-01 to 2026-08-01 (10 years) |
| Home — US national (Case-Shiller) | 6.35% at these assumptions | FRED | 2026-09-14 | 2016-06-01 to 2026-06-01 (10 years) |
| Rent — US (CPI rent of primary residence) | 4.19% at these assumptions | BLS CPI-U, Rent of primary residence, U.S. city average, NSA | 2026-09-14 | 2016-08-01 to 2026-08-01 (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) |
| S&P 500 Total Return | 15.37% at these assumptions | Yahoo Finance:^SP500TR | 2026-09-14 | 2016-08-01 to 2026-08-01 (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.