San Francisco, CA housing methodology

rentBurden = annualGrossRent / medianHouseholdIncome; score = clamp((0.30 − rentBurden) / 0.30 × 100 + 50, 0, 100)

Higher = relatively more affordable for typical income.

Required inputs: medianGrossRent, medianHouseholdIncome. All present for this city.

intensity = (trailing12Permits / housingUnits) × 1,000; score = clamp(intensity / 0.6, 0, 100)

Higher = new supply growing relative to existing stock.

Required inputs: permits, housingUnits. All present for this city.

score = clamp(50 + hpiYoYChangePct × 5, 0, 100)

Higher = stronger recent price appreciation. Not a forecast.

Required inputs: homePriceIndexYoY. All present for this city.

level = clamp((8.5 − unemploymentRate) / 6 × 100, 0, 100); trend = clamp((1.0 − Δ12m) / 2 × 100, 0, 100) (missing → 50); score = round(level × 0.7 + trend × 0.3)

Higher = lower / improving unemployment.

Required inputs: unemploymentRate. All present for this city.

Optional refinement: unemploymentRateChange12m — present: unemploymentRateChange12m.

weighted blend of per-capita income level (0.35), income growth (0.45), and regional GDP growth (0.20; renormalized if missing)

Higher = higher / growing metro per-capita income. Not investment advice.

Required inputs: perCapitaPersonalIncome, perCapitaPersonalIncomeGrowthYoY. All present for this city.

Optional refinement: regionalGdpGrowthYoY — present: regionalGdpGrowthYoY.

score = round(femaNriRiskIndex) // 0-100, higher = more hazard exposure

Higher = more FEMA NRI hazard exposure (county-level, not property-level).

Required inputs: climateRiskIndex. All present for this city.

positives = avg of available {affordability, supply, priceMomentum, jobMarket, economicStrength}; overall = clamp(positives − (climateRisk / 100 × 20), 0, 100)

Higher = better risk-adjusted reading across available signals.

Derived from the available positive signals above, with a climate-risk penalty.