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.
- 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
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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.
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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
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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.
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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.
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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.
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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.
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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.
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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.