Zillow ZHVI home values, ZORI rent, HUD Fair Market Rent, and ACS median household income for 283 U.S. cities.
Zillow ZHVI[1] is the canonical metro/city home-value series; ZORI[2]is its rental counterpart. HUD's Fair Market Rent[3](50th percentile, 2-bedroom) is the Section 8 eligibility benchmark and often a cleaner proxy for a “market” rent in smaller cities with thin Zillow coverage. ACS median household income[4]closes the loop — it's the denominator in every affordability calculation worth doing.
Price-to-Rent = ZHVI ÷ (ZORI × 12). Classic rule of thumb: a ratio below 15 usually favors buying; 15–20 is neutral; above 20 usually favors renting. This is a rough signal — property tax, HOA, insurance, and expected appreciation all pull the decision around.
| # | City |
|---|
| 1 | San JoseCA | $1,636,393[1] |
| 2 | IrvineCA | $1,150,000[1] |
| 3 | San FranciscoCA | $1,143,246[1] |
| 4 | Huntington BeachCA | $1,050,000[1] |
| 5 | PasadenaCA | $980,000[1] |
| 6 | Los AngelesCA | $967,836[1] |
| 7 | San DiegoCA | $941,935[1] |
| 8 | CambridgeMA | $925,000[1] |
| 9 | HonoluluHI | $900,000[1] |
| 10 | OxnardCA | $885,255[1] |
| 11 | SalinasCA | $849,199[1] |
| 12 | Garden GroveCA | $820,000[1] |
| 13 | Santa RosaCA | $792,140[1] |
| 14 | OaklandCA | $780,000[1] |
| 15 | SeattleWA | $751,552[1] |
| 16 | BostonMA | $731,139[1] |
| 17 | BoulderCO | $725,121[1] |
| 18 | ScottsdaleAZ | $725,000[1] |
| 19 | Santa ClaritaCA | $725,000[1] |
| 20 | OceansideCA | $725,000[1] |
| 21 | New YorkNY | $715,584[1] |
| 22 | EscondidoCA | $680,000[1] |
| 23 | BridgeportCT | $674,486[1] |
| 24 | BendOR | $667,876[1] |
| 25 | Rancho CucamongaCA | $650,000[1] |
| 26 | AlexandriaVA | $625,000[1] |
| 27 | FranklinTN | $625,000[1] |
| 28 | CoronaCA | $620,000[1] |
| 29 | StamfordCT | $620,000[1] |
| 30 | BellinghamWA | $615,913[1] |
| 31 | RiversideCA | $585,181[1] |
| 32 | SacramentoCA | $580,006[1] |
| 33 | Jersey CityNJ | $580,000[1] |
| 34 | WashingtonDC | $575,000[1] |
| 35 | DenverCO | $573,363[1] |
| 36 | RenoNV | $565,205[1] |
| 37 | Salt Lake CityUT | $564,835[1] |
| 38 | Elk GroveCA | $560,000[1] |
| 39 | NaplesFL | $559,054[1] |
| 40 | Fort CollinsCO | $552,908[1] |
| 41 | Santa FeNM | $551,949[1] |
| 42 | FriscoTX | $550,000[1] |
| 43 | OntarioCA | $550,000[1] |
| 44 | PortlandOR | $549,144[1] |
| 45 | PomonaCA | $545,000[1] |
| 46 | ProvoUT | $542,078[1] |
| 47 | StocktonCA | $532,710[1] |
| 48 | PortlandME | $532,238[1] |
| 49 | St. GeorgeUT | $529,500[1] |
| 50 | FontanaCA | $520,000[1] |
| 51 | Boca RatonFL | $520,000[1] |
| 52 | ManchesterNH | $517,339[1] |
| 53 | OgdenUT | $515,981[1] |
| 54 | ProvidenceRI | $514,315[1] |
| 55 | GilbertAZ | $495,000[1] |
| 56 | KentWA | $495,000[1] |
| 57 | Moreno ValleyCA | $490,000[1] |
| 58 | BoiseID | $488,570[1] |
| 59 | NapervilleIL | $485,000[1] |
| 60 | WestminsterCO | $480,000[1] |
| 61 | PlanoTX | $480,000[1] |
| 62 | ChandlerAZ | $475,000[1] |
| 63 | LakewoodCO | $475,000[1] |
| 64 | MiamiFL | $472,937[1] |
| 65 | WorcesterMA | $472,895[1] |
| 66 | BurlingtonVT | $469,401[1] |
| 67 | ModestoCA | $467,165[1] |
| 68 | ThorntonCO | $465,000[1] |
| 69 | MeridianID | $465,000[1] |
| 70 | AllenTX | $465,000[1] |
| 71 | Colorado SpringsCO | $455,897[1] |
| 72 | NashvilleTN | $453,873[1] |
| 73 | EugeneOR | $452,764[1] |
| 74 | SalemOR | $450,410[1] |
| 75 | Fort LauderdaleFL | $450,000[1] |
| 76 | SarasotaFL | $450,000[1] |
| 77 | PhoenixAZ | $448,160[1] |
| 78 | AuroraCO | $445,000[1] |
| 79 | Coral SpringsFL | $445,000[1] |
| 80 | HendersonNV | $445,000[1] |
| 81 | McKinneyTX | $445,000[1] |
| 82 | TacomaWA | $445,000[1] |
| 83 | GoodyearAZ | $445,000[1] |
| 84 | DanburyCT | $445,000[1] |
| 85 | MadisonWI | $443,056[1] |
| 86 | WilmingtonNC | $442,797[1] |
| 87 | TrentonNJ | $439,747[1] |
| 88 | KennewickWA | $438,869[1] |
| 89 | RaleighNC | $436,133[1] |
| 90 | PeoriaAZ | $435,000[1] |
| 91 | Las VegasNV | $431,015[1] |
| 92 | CharlestonSC | $430,381[1] |
| 93 | Pembroke PinesFL | $430,000[1] |
| 94 | AustinTX | $427,045[1] |
| 95 | ElizabethNJ | $425,000[1] |
| 96 | LowellMA | $425,000[1] |
| 97 | AshevilleNC | $423,946[1] |
| 98 | TempeAZ | $420,000[1] |
| 99 | MiramarFL | $420,000[1] |
| 100 | SparksNV | $420,000[1] |
| 101 | SpokaneWA | $416,800[1] |
| 102 | PalmdaleCA | $415,000[1] |
| 103 | MesaAZ | $415,000[1] |
| 104 | AnchorageAK | $414,591[1] |
| 105 | Ann ArborMI | $413,404[1] |
| 106 | HollywoodFL | $410,000[1] |
| 107 | Round RockTX | $410,000[1] |
| 108 | DurhamNC | $409,974[1] |
| 109 | FresnoCA | $409,963[1] |
| 110 | BillingsMT | $402,381[1] |
| 111 | BaltimoreMD | $399,960[1] |
| 112 | New HavenCT | $397,333[1] |
| 113 | NewarkNJ | $395,000[1] |
| 114 | SurpriseAZ | $395,000[1] |
| 115 | West Palm BeachFL | $395,000[1] |
| 116 | RichardsonTX | $395,000[1] |
| 117 | Overland ParkKS | $395,000[1] |
| 118 | LancasterCA | $395,000[1] |
| 119 | FrederickMD | $395,000[1] |
| 120 | RichmondVA | $391,102[1] |
| 121 | HartfordCT | $389,416[1] |
| 122 | CheyenneWY | $388,719[1] |
| 123 | CharlotteNC | $387,279[1] |
| 124 | MinneapolisMN | $386,374[1] |
| 125 | OrlandoFL | $385,991[1] |
| 126 | St. PetersburgFL | $385,000[1] |
| 127 | PhiladelphiaPA | $383,958[1] |
| 128 | LancasterPA | $381,586[1] |
| 129 | Port St. LucieFL | $380,962[1] |
| 130 | VictorvilleCA | $380,000[1] |
| 131 | NampaID | $380,000[1] |
| 132 | LakewoodWA | $380,000[1] |
| 133 | AtlantaGA | $379,509[1] |
| 134 | MilwaukeeWI | $379,291[1] |
| 135 | Atlantic CityNJ | $376,753[1] |
| 136 | MurfreesboroTN | $375,000[1] |
| 137 | GlendaleAZ | $370,000[1] |
| 138 | North Las VegasNV | $370,000[1] |
| 139 | Rapid CitySD | $369,930[1] |
| 140 | Virginia BeachVA | $369,238[1] |
| 141 | FayettevilleAR | $366,288[1] |
| 142 | SpringfieldMA | $366,074[1] |
| 143 | AthensGA | $365,866[1] |
| 144 | LewisvilleTX | $365,000[1] |
| 145 | DallasTX | $364,734[1] |
| 146 | BakersfieldCA | $363,091[1] |
| 147 | KnoxvilleTN | $361,804[1] |
| 148 | AlbanyNY | $360,401[1] |
| 149 | VisaliaCA | $360,204[1] |
| 150 | TampaFL | $357,965[1] |
| 151 | AllentownPA | $357,470[1] |
| 152 | New BraunfelsTX | $355,000[1] |
| 153 | ChesapeakeVA | $355,000[1] |
| 154 | Grand RapidsMI | $350,806[1] |
| 155 | PoughkeepsieNY | $350,000[1] |
| 156 | BismarckND | $349,989[1] |
| 157 | JacksonvilleFL | $348,912[1] |
| 158 | AlbuquerqueNM | $348,860[1] |
| 159 | SavannahGA | $348,097[1] |
| 160 | DentonTX | $345,000[1] |
| 161 | ChicagoIL | $344,687[1] |
| 162 | AppletonWI | $343,140[1] |
| 163 | TucsonAZ | $342,047[1] |
| 164 | Palm BayFL | $341,313[1] |
| 165 | IrvingTX | $340,000[1] |
| 166 | Cape CoralFL | $339,952[1] |
| 167 | Green BayWI | $337,974[1] |
| 168 | Myrtle BeachSC | $337,428[1] |
| 169 | Sioux FallsSD | $336,938[1] |
| 170 | RochesterMN | $335,380[1] |
| 171 | Fort WorthTX | $330,000[1] |
| 172 | DeltonaFL | $328,408[1] |
| 173 | MidlandTX | $327,523[1] |
| 174 | ColumbusOH | $326,730[1] |
| 175 | ClearwaterFL | $325,000[1] |
| 176 | Kansas CityMO | $323,088[1] |
| 177 | ChattanoogaTN | $322,364[1] |
| 178 | LexingtonKY | $322,342[1] |
| 179 | FargoND | $318,546[1] |
| 180 | ColumbiaMO | $318,020[1] |
| 181 | HuntsvilleAL | $313,545[1] |
| 182 | GreenvilleSC | $310,898[1] |
| 183 | St. CloudMN | $310,608[1] |
| 184 | College StationTX | $308,292[1] |
| 185 | PensacolaFL | $307,685[1] |
| 186 | HoustonTX | $307,493[1] |
| 187 | HarrisburgPA | $306,956[1] |
| 188 | ReadingPA | $306,725[1] |
| 189 | YorkPA | $305,198[1] |
| 190 | CincinnatiOH | $305,195[1] |
| 191 | OmahaNE | $304,632[1] |
| 192 | GainesvilleFL | $303,267[1] |
| 193 | LincolnNE | $299,450[1] |
| 194 | LakelandFL | $298,009[1] |
| 195 | RoanokeVA | $295,391[1] |
| 196 | Daytona BeachFL | $295,000[1] |
| 197 | WilmingtonDE | $295,000[1] |
| 198 | North CharlestonSC | $295,000[1] |
| 199 | ClarksvilleTN | $293,289[1] |
| 200 | Des MoinesIA | $290,940[1] |
| 201 | IndianapolisIN | $290,745[1] |
| 202 | Las CrucesNM | $287,471[1] |
| 203 | Rock HillSC | $285,000[1] |
| 204 | PuebloCO | $284,528[1] |
| 205 | TallahasseeFL | $280,422[1] |
| 206 | San AntonioTX | $279,026[1] |
| 207 | BuffaloNY | $278,777[1] |
| 208 | LouisvilleKY | $277,724[1] |
| 209 | MesquiteTX | $275,000[1] |
| 210 | NorfolkVA | $275,000[1] |
| 211 | OcalaFL | $273,943[1] |
| 212 | RochesterNY | $273,096[1] |
| 213 | St. LouisMO | $270,704[1] |
| 214 | KalamazooMI | $270,200[1] |
| 215 | TylerTX | $269,253[1] |
| 216 | SpringfieldMO | $267,878[1] |
| 217 | Bowling GreenKY | $265,771[1] |
| 218 | GreensboroNC | $263,850[1] |
| 219 | DetroitMI | $262,840[1] |
| 220 | BirminghamAL | $259,033[1] |
| 221 | New OrleansLA | $256,892[1] |
| 222 | FayettevilleNC | $256,408[1] |
| 223 | Newport NewsVA | $255,000[1] |
| 224 | SyracuseNY | $254,402[1] |
| 225 | Grand IslandNE | $253,724[1] |
| 226 | Fort WayneIN | $253,607[1] |
| 227 | OdessaTX | $253,365[1] |
| 228 | DuluthMN | $253,294[1] |
| 229 | ColumbiaSC | $253,199[1] |
| 230 | WacoTX | $252,573[1] |
| 231 | KilleenTX | $251,492[1] |
| 232 | TulsaOK | $250,275[1] |
| 233 | AugustaGA | $246,560[1] |
| 234 | Baton RougeLA | $245,385[1] |
| 235 | Oklahoma CityOK | $244,630[1] |
| 236 | ClevelandOH | $244,469[1] |
| 237 | MemphisTN | $244,084[1] |
| 238 | LansingMI | $243,359[1] |
| 239 | JolietIL | $240,000[1] |
| 240 | San AngeloTX | $237,386[1] |
| 241 | Cedar RapidsIA | $236,652[1] |
| 242 | AkronOH | $235,212[1] |
| 243 | NormanOK | $235,000[1] |
| 244 | El PasoTX | $230,500[1] |
| 245 | Winston-SalemNC | $230,000[1] |
| 246 | Little RockAR | $227,428[1] |
| 247 | TempleTX | $225,000[1] |
| 248 | PittsburghPA | $224,487[1] |
| 249 | Corpus ChristiTX | $222,739[1] |
| 250 | EvansvilleIN | $222,397[1] |
| 251 | WichitaKS | $220,488[1] |
| 252 | UticaNY | $220,371[1] |
| 253 | GulfportMS | $219,771[1] |
| 254 | ScrantonPA | $217,200[1] |
| 255 | AmarilloTX | $216,744[1] |
| 256 | LaredoTX | $216,265[1] |
| 257 | EriePA | $216,189[1] |
| 258 | PasadenaTX | $215,000[1] |
| 259 | High PointNC | $215,000[1] |
| 260 | RockfordIL | $213,900[1] |
| 261 | MontgomeryAL | $211,362[1] |
| 262 | JacksonMS | $210,759[1] |
| 263 | CantonOH | $210,660[1] |
| 264 | LubbockTX | $210,511[1] |
| 265 | AbileneTX | $208,263[1] |
| 266 | ColumbusGA | $207,454[1] |
| 267 | BrownsvilleTX | $205,777[1] |
| 268 | LafayetteLA | $199,674[1] |
| 269 | ToledoOH | $197,172[1] |
| 270 | MaconGA | $195,111[1] |
| 271 | IndependenceMO | $195,000[1] |
| 272 | Lake CharlesLA | $194,066[1] |
| 273 | McAllenTX | $193,561[1] |
| 274 | MobileAL | $193,474[1] |
| 275 | BinghamtonNY | $190,419[1] |
| 276 | FlintMI | $189,843[1] |
| 277 | BeaumontTX | $180,250[1] |
| 278 | ShreveportLA | $175,212[1] |
| 279 | DaytonOH | $170,000[1] |
| 280 | YoungstownOH | $168,082[1] |
| 281 | DavenportIA | $165,000[1] |
| 282 | PeoriaIL | $164,790[1] |
| 283 | CharlestonWV | $147,012[1] |
Price-to-Rent < 15 favors buying; 15–20 is neutral; > 20 favors renting. Green/yellow/red shading reflects those bands. This is a heuristic, not a recommendation.
Zillow's ZORI (market-rate asking rent on listings) typically runs 15–25% above HUD's 2-bedroom Fair Market Rent in major metros — because FMR uses the 50th percentile ofrecent movers, which pulls in longer-tenured, rent-controlled, and voucher-assisted units. In smaller cities the two converge within 5%.
High-Price-to-Rent cities (San Francisco, San Jose, New York) are where renting has consistently beaten buying since 2010 for most would-be first-time buyers — until you factor in leverage and capital gains. Low-Price-to-Rent cities (Cleveland, Detroit, Memphis) offer rare positive-cash-flow rental investing. Cross-check with ZHVI at the state level for the bigger picture.
HUD uses “rent burden” = 30%+ of gross income; “severely rent-burdened” = 50%+. For every city in the table you can compute this directly: monthly rent × 12 ÷ ACS median HHI. Major coastal cities regularly push median households past the burden line on rent alone.
Each row reads from listCityRent(), backed by the city_rent_hometable populated by three ETL scripts: zillow-research.mjs (ZHVI + ZORI), hud-fmr.mjs (HUD Fair Market Rent), and census-acs-state.mjs (ACS S1901 median household income). Each of the four fields per city is a SourcedValue<number | null> with its own retrievedAt — they can refresh independently.
Price-to-Rent formula: ZHVI ÷ (ZORI × 12). Missing values skip the ratio instead of coercing to zero. We do not make any attempt to inflation-adjust — both ZHVI and ZORI are nominal and very current, so the ratio is directly comparable across cities at any point in time.
Refresh cadence:Zillow publishes ZHVI + ZORI monthly (around the 15th); HUD FMR publishes annually at fiscal-year start (Oct 1); Census ACS 5-year publishes annually in December. The visible “Last reviewed” equals MAX(retrievedAt) across every field consumed on the page.
Known limits: ZORI coverage is thin in cities under ~250k metro population — we fall back to the cities.tsmedian rent / ACS rent cross-tab in those cases. Always check the rows where the value shows as “—” — it means the ETL couldn't reach a primary source for that city.
CalcFi does not sell data. If you spot an error, email hello@calcfi.app with the URL and the correct figure.