{"slug":"city-vs-metro-premium-discount","title":"Where city rents and home values break from their wider metro","contractVersion":"research-v15","sourceUpdatedOn":"2026-07-30","factsHash":"5c918097123f9ab11d5acae6c420e8d73cb815857ae7bfc45f982994b419bf0e","definition":{"deck":"City limits and metropolitan areas answer different housing questions. This atlas compares like-for-like Zillow index families in the same release month, then keeps rent, home value and gross yield separate.","slug":"city-vs-metro-premium-discount","chart":"city_metro_gap_scatter","title":"Where city rents and home values break from their wider metro","method":["Rent premium or discount divides city ZORI by linked-metro ZORI and subtracts one; home-value premium or discount applies the same calculation to ZHVI.","Gross yield is monthly ZORI multiplied by 12 and divided by ZHVI at each geography; the yield gap is city yield minus metro yield in percentage points.","Rows are ordered by the largest absolute rent-or-home-value gap. The four sign groups are descriptive and never become a recommendation score."],"eyebrow":"City limits + metro benchmark","question":"Which published US cities carry a rent or home-value premium or discount relative to the direct Zillow index for their linked metro?","variables":["City Zillow Home Value Index","Metro Zillow Home Value Index","City Zillow Observed Rent Index","Metro Zillow Observed Rent Index","City and metro gross yield","City-minus-metro rent, home-value and yield gaps"],"limitations":["ZORI and ZHVI are Zillow market indexes, not simple averages, appraisals, transaction prices or the rent for a specific unit.","City and metro boundaries overlap by design: the city is part of the wider metro, so the comparison is contextual rather than independent.","Only current city briefs with complete direct evidence enter the atlas; excluded cities remain missing rather than estimated."],"short_title":"City vs Metro Atlas","source_keys":["zillow_zhvi_city","zillow_zori_city","zillow_zhvi","zillow_zori","census_city_facts","cbsa_delineation"],"inclusion_rule":"Start with the finite set of current published RentMarker city briefs. Include a city only when it has a stored metro link, direct Zillow city and metro ZHVI and ZORI values, verified gross yields and month-aligned release periods. Do not infer a link or fill a missing value from another geography.","counter_signals":["A city premium can reflect housing mix, amenity access or boundary composition and does not prove better investment performance.","A rent discount can coexist with weaker demand, higher expenses or substantial differences among neighborhoods and property types.","Gross yield excludes taxes, insurance, vacancy, maintenance, management and financing; the metro index is not a property comp."]},"summary":{"metro_count":272,"linked_count":432,"eligible_count":450,"excluded_count":18,"included_count":432,"lowest_rent_gap":-0.29057582,"median_rent_gap":-0.01173116,"highest_rent_gap":0.33326568,"lowest_price_gap":-0.7156703,"lowest_rent_city":"Joliet, IL","lowest_rent_slug":"joliet-il","median_price_gap":-0.03504554,"median_yield_gap":0.00059793,"highest_price_gap":1.17738178,"highest_rent_city":"San Francisco, CA","highest_rent_slug":"san-francisco-ca","lowest_price_city":"Detroit, 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