AffordMath

Where these numbers come from

Each figure below carries a sourcing record: the document it was checked against, that document's date, and how far it can be trusted.

Across 1 jurisdictions and the federal rules, 54 figures carry a sourcing record: 34 are traced to a published document, 20 are modelling assumptions we chose and disclose, and 0 are left unknown because nobody publishes them.

Marked “rule”

The figure follows a rule in the tables: land transfer tax brackets, CMHC premium bands, the GDS and TDS limits, the stress-test floor and buffer, and the minimum down payment. Exact given the table — and how well the table itself is sourced is what the inventory below says.

Marked “estimate”

The figure is a local or household estimate: benchmark prices, professional fees, the property tax rate, insurance, utilities, and every pre-filled default on this site.

What the confidence marks mean

Confirmed
Read off the publisher's own document, at the date shown.
Probable
Read off a source we trust, but not off the publisher's primary document.
Weak
Derived or inferred rather than read. It may be off, and the note says how.
Assumption
Nobody publishes this, so we chose a default and say so. It is our figure, not a fact.
Not published
Nobody publishes it and we will not invent one, so the figure is left empty and the page asks you for it instead.
Figure by figure

For Houston

25 of 38 figures traced to a published source

0 of 0 figures traced to a published source

0 of 0 figures traced to a published source

3 of 3 figures traced to a published source

4 of 4 figures traced to a published source

Benchmark prices, rents and year-over-year change. Publishers differ on the metric — benchmark, median or average — and each entry says which one it is.

  • ConfirmedHouston Association of REALTORS (HAR), "Houston Buyers Gain More Choices as Inventory Hits Record High" (July 2026 Housing Market Update, published 2026-08-31)as of 2026-07

    HAR single-family median, $340,000, +0.6% YoY (dossier C1 addendum). Read via a proxy that extracts page text — har.com blocks direct automated fetches (PerimeterX 403) — corroborated by The Real Deal, 2026-08-13 (median $340,000, average "$441,000").

    HAR townhome/condo median, $211,000, -3.7% YoY (dossier C1 addendum). Same access method as bench.house.

    HAR single-family +0.6% YoY (dossier C1 addendum).

  • ConfirmedHUD, FY2026 Fair Market Rents, Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Areaas of 2025-10-01

    HUD FY2026 Fair Market Rent, 2-bedroom, METRO-WIDE for the Houston-The Woodlands-Sugar Land HMFA: $1,573 (1BR is $1,323 — a different bedroom count, not this field). An FMR is the 40th percentile of gross rent across ALL dwelling types surveyed in the area, not an apartment-only average — a genuinely different statistic from the CMHC apartment average this dataset otherwise carries, hence the separate `fmr2br` RentBasis value rather than reusing `apartment2br`. First read this pass as ZIP-only (Small Area FMR); a second pass found HUD does also publish this metro-wide figure directly on its own FMR Documentation System page (dossier C2 addendum) once fetched with a browser-like Referer.

  • AssumptionNo published source

    Not a figure — organisation names only, for /sources attribution.

2 of 9 figures traced to a published source

Every figure that carries a sourcing record names where it came from: a dated published source, an estimate we disclose, or nothing at all where nothing is published.

Rules last verified 2026-09-03

The notes are the verification record, kept in English in the words of whoever checked the figure.