HomeBuyScore
Updated daily from Federal Reserve data

Is now a good time
to buy a house?

HomeBuyScore analyzes four real economic indicators — mortgage rates, home price trends, income-to-payment ratio, and local unemployment — to give you a clear 0–100 score for any US state or city.

🟢75–100·Good time to buy
🟡50–74·Proceed with caution
🔴25–49·Challenging market
0–24·Very difficult

How the score is calculated

📉
Mortgage Rate25%

30-year fixed rate vs historical thresholds

🏠
Home Price Affordability25%

Current Case-Shiller index vs 10-year average

💰
Income vs Payment25%

Monthly mortgage as % of median household income

📊
Economic Stability25%

State unemployment rate vs healthy thresholds