ACS households + BLS occupations + HUD burden

How does the same rent look to households and local occupations?

Across directly matched metropolitan areas, how does current asking rent compare with median household income, one all-occupations median wage and the measured housing-cost burden of renter households?

One rent-to-income ratio cannot describe both a household and a worker. This study keeps the two denominators separate, shows how broadly major occupation medians clear the same screen, and anchors them beside HUD's observed renter-burden counts.

Direct metros
378
complete Zillow, ACS, OEWS and CHAS evidence
Median household share
25.1%
annual rent / ACS household income
Median one-worker share
37.6%
annual rent / OEWS all-occupations wage
Median measured burden
43.1%
HUD CHAS moderate plus severe burden
What the denominator changes

A household median can clear the screen while local occupations do not

Across 378 exact metropolitan matches, the median annualized asking-rent share is 25.1% against ACS median household income but 37.6% against one BLS all-occupations median wage. The difference is not a contradiction: a household may contain multiple earners and non-wage income, while OEWS reports a modeled wage for one worker.

Only 99 metros clear both descriptive screens. Another 215 clear the household-income line while fewer than half of their directly published major occupation medians reach the required-income line. This is why occupation breadth remains visible instead of letting one household median stand in for a labor market.

The HUD result is an observed housing-cost outcome from a different population and period. It checks the story; it is not mathematically caused by either asking-rent ratio.

The included-metro median CHAS burden is 43.1%. Miami, FLrecords the highest aggregate member-county burden at 57.3%, while Santa Cruz, CAhas the widest worker-versus-household ratio gap. The scenario tool can combine one or two direct occupation medians without presenting that arithmetic as an observed household.

378 metros with complete household, occupation and CHAS evidence

The same asking rent against two different income denominators

Right means more pressure against ACS household income; up means more pressure against one all-occupations median wage.

Asking rent relative to median household income and one all-occupations median wageScatter plot of complete metropolitan records. The horizontal axis divides annualized asking rent by ACS median household income. The vertical axis divides the same rent by the BLS all-occupations annual median wage. Point color distinguishes measured HUD CHAS renter burden above or below the included-metro median.0%9%18%27%36%45%0%16%32%48%64%80%30% household screen30% one-worker screenKahului, HI: household 44.1%, one worker 74.3%, CHAS burden 45.9%New York, NY: household 43.2%, one worker 69.8%, CHAS burden 47.3%Miami, FL: household 42.3%, one worker 66.5%, CHAS burden 57.3%Santa Maria, CA: household 40.3%, one worker 76.5%, CHAS burden 51.9%Santa Cruz, CA: household 39.0%, one worker 79.1%, CHAS burden 47.9%Port St. Lucie, FL: household 37.8%, one worker 60.6%, CHAS burden 51.2%Merced, CA: household 36.8%, one worker 51.1%, CHAS burden 41.3%Los Angeles, CA: household 36.6%, one worker 62.9%, CHAS burden 52.2%El Centro, CA: household 36.5%, one worker 46.7%, CHAS burden 48.4%Homosassa Springs, FL: household 36.2%, one worker 49.6%, CHAS burden 46.4%Salinas, CA: household 35.9%, one worker 73.6%, CHAS burden 50.0%Sebastian, FL: household 35.7%, one worker 57.6%, CHAS burden 48.4%Naples, FL: household 35.6%, one worker 67.2%, CHAS burden 55.2%Flagstaff, AZ: household 34.9%, one worker 53.6%, CHAS burden 46.7%San Luis Obispo, CA: household 34.9%, one worker 67.0%, CHAS burden 51.4%Abilene, TX: household 34.5%, one worker 52.4%, CHAS burden 43.3%Barnstable Town, MA: household 34.3%, one worker 58.0%, CHAS burden 49.4%Urban Honolulu, HI: household 34.3%, one worker 63.7%, CHAS burden 51.7%Hinesville, GA: household 34.0%, one worker 45.0%, CHAS burden 42.5%Riverside, CA: household 34.0%, one worker 63.0%, CHAS burden 52.6%San Diego, CA: household 33.8%, one worker 61.2%, CHAS burden 52.6%Lakeland, FL: household 33.6%, one worker 48.1%, CHAS burden 44.5%Hanford, CA: household 33.5%, one worker 49.1%, CHAS burden 41.4%Boston, MA: household 33.2%, one worker 57.8%, CHAS burden 44.8%Fresno, CA: household 32.9%, one worker 52.3%, CHAS burden 48.7%Gainesville, FL: household 32.7%, one worker 42.7%, CHAS burden 51.1%Tampa, FL: household 32.6%, one worker 49.5%, CHAS burden 49.5%Auburn, AL: household 32.6%, one worker 53.1%, CHAS burden 46.4%Brownsville, TX: household 32.6%, one worker 47.0%, CHAS burden 44.0%Sebring, FL: household 32.6%, one worker 44.3%, CHAS burden 43.4%Punta Gorda, FL: household 32.5%, one worker 50.0%, CHAS burden 53.2%Grants Pass, OR: household 32.5%, one worker 38.5%, CHAS burden 51.7%Oxnard, CA: household 32.3%, one worker 67.6%, CHAS burden 53.7%Lake Havasu City, AZ: household 32.3%, one worker 42.1%, CHAS burden 40.0%Springfield, MA: household 32.0%, one worker 44.0%, CHAS burden 47.5%Stockton, CA: household 32.0%, one worker 60.2%, CHAS burden 47.3%Sumter, SC: household 31.8%, one worker 42.1%, CHAS burden 40.0%North Port, FL: household 31.6%, one worker 53.9%, CHAS burden 49.3%Eagle Pass, TX: household 31.5%, one worker 43.9%, CHAS burden 41.2%Ocala, FL: household 31.5%, one worker 43.6%, CHAS burden 42.7%Trenton, NJ: household 31.3%, one worker 49.6%, CHAS burden 46.8%New Orleans, LA: household 31.0%, one worker 41.0%, CHAS burden 49.1%Yuba City, CA: household 30.9%, one worker 48.3%, CHAS burden 45.5%Visalia, CA: household 30.7%, one worker 48.6%, CHAS burden 45.2%El Paso, TX: household 30.7%, one worker 46.4%, CHAS burden 45.2%Ithaca, NY: household 30.7%, one worker 39.1%, CHAS burden 51.4%Myrtle Beach, SC: household 30.6%, one worker 54.0%, CHAS burden 45.5%Johnson City, TN: household 30.6%, one worker 40.7%, CHAS burden 37.0%Portland, ME: household 30.6%, one worker 49.6%, CHAS burden 40.4%Las Cruces, NM: household 30.6%, one worker 41.3%, CHAS burden 48.3%Santa Rosa, CA: household 30.6%, one worker 56.3%, CHAS burden 49.6%Athens, GA: household 30.5%, one worker 48.6%, CHAS burden 50.0%Atlantic City, NJ: household 30.5%, one worker 52.7%, CHAS burden 52.9%Bakersfield, CA: household 30.4%, one worker 44.9%, CHAS burden 49.8%Napa, CA: household 30.3%, one worker 61.2%, CHAS burden 48.6%Deltona, FL: household 30.2%, one worker 47.9%, CHAS burden 50.1%Blacksburg, VA: household 30.2%, one worker 41.3%, CHAS burden 41.0%Orlando, FL: household 30.1%, one worker 50.7%, CHAS burden 52.5%Modesto, CA: household 30.1%, one worker 48.5%, CHAS burden 47.4%Bridgeport, CT: household 30.1%, one worker 56.0%, CHAS burden 48.8%Chicago, IL: household 30.0%, one worker 49.9%, CHAS burden 43.2%Carson City, NV: household 30.0%, one worker 38.3%, CHAS burden 42.4%Morristown, TN: household 30.0%, one worker 41.1%, CHAS burden 39.1%Eugene, OR: household 30.0%, one worker 43.2%, CHAS burden 48.0%Providence, RI: household 29.9%, one worker 48.6%, CHAS burden 42.5%Medford, OR: household 29.9%, one worker 44.3%, CHAS burden 46.7%Hickory, NC: household 29.8%, one worker 41.3%, CHAS burden 33.1%Vineland, NJ: household 29.7%, one worker 41.6%, CHAS burden 54.0%Hammond, LA: household 29.6%, one worker 43.7%, CHAS burden 46.6%Cape Coral, FL: household 29.5%, one worker 48.1%, CHAS burden 51.5%Monroe, LA: household 29.5%, one worker 40.0%, CHAS burden 46.7%Brunswick, GA: household 29.5%, one worker 46.9%, CHAS burden 39.6%Bend, OR: household 29.5%, one worker 48.5%, CHAS burden 45.4%New Haven, CT: household 29.4%, one worker 43.2%, CHAS burden 48.1%Bellingham, WA: household 29.3%, one worker 41.5%, CHAS burden 51.7%Santa Fe, NM: household 29.3%, one worker 47.6%, CHAS burden 43.8%Palm Bay, FL: household 29.3%, one worker 46.8%, CHAS burden 48.8%State College, PA: household 29.2%, one worker 44.1%, CHAS burden 52.4%Vallejo, CA: household 29.1%, one worker 49.9%, CHAS burden 50.0%Shreveport, LA: household 29.1%, one worker 36.4%, CHAS burden 47.2%San Francisco, CA: household 29.1%, one worker 53.3%, CHAS burden 42.7%Knoxville, TN: household 29.1%, one worker 44.8%, CHAS burden 39.9%Jonesboro, AR: household 29.1%, one worker 39.1%, CHAS burden 41.1%Crestview, FL: household 29.1%, one worker 50.2%, CHAS burden 47.3%Charleston, SC: household 29.1%, one worker 50.4%, CHAS burden 46.4%Traverse City, MI: household 29.1%, one worker 49.5%, CHAS burden 45.1%Greenville, NC: household 29.0%, one worker 36.3%, CHAS burden 43.3%Jackson, MS: household 29.0%, one worker 41.7%, CHAS burden 44.0%Harrisonburg, VA: household 28.9%, one worker 47.0%, CHAS burden 37.7%Tuscaloosa, AL: household 28.9%, one worker 39.3%, CHAS burden 44.6%Goldsboro, NC: household 28.9%, one worker 42.5%, CHAS burden 41.3%College Station, TX: household 28.9%, one worker 39.0%, CHAS burden 52.9%St. George, UT: household 28.8%, one worker 51.5%, CHAS burden 44.5%Mount Vernon, WA: household 28.8%, one worker 43.2%, CHAS burden 46.2%Kingston, NY: household 28.8%, one worker 49.6%, CHAS burden 48.0%Grand Junction, CO: household 28.8%, one worker 43.7%, CHAS burden 42.9%Valdosta, GA: household 28.7%, one worker 41.9%, CHAS burden 43.4%Bozeman, MT: household 28.7%, one worker 49.0%, CHAS burden 42.2%Fayetteville, NC: household 28.7%, one worker 38.8%, CHAS burden 45.7%Panama City, FL: household 28.6%, one worker 45.4%, CHAS burden 49.5%Jackson, TN: household 28.5%, one worker 39.0%, CHAS burden 44.1%Hilton Head Island, SC: household 28.5%, one worker 54.2%, CHAS burden 42.0%Sacramento, CA: household 28.5%, one worker 46.4%, CHAS burden 50.1%Winston, NC: household 28.4%, one worker 40.5%, CHAS burden 41.7%Savannah, GA: household 28.3%, one worker 46.2%, CHAS burden 45.0%Kingsport, TN: household 28.3%, one worker 36.1%, CHAS burden 32.1%Bangor, ME: household 28.3%, one worker 39.1%, CHAS burden 43.5%Florence, SC: household 28.2%, one worker 35.3%, CHAS burden 39.8%Asheville, NC: household 28.2%, one worker 43.2%, CHAS burden 44.4%Morgantown, WV: household 28.1%, one worker 38.4%, CHAS burden 47.1%Gulfport, MS: household 28.0%, one worker 40.3%, CHAS burden 43.3%Yuma, AZ: household 28.0%, one worker 39.9%, CHAS burden 40.6%Hot Springs, AR: household 28.0%, one worker 43.8%, CHAS burden 34.8%Winchester, VA: household 28.0%, one worker 50.1%, CHAS burden 36.7%Spartanburg, SC: household 28.0%, one worker 37.8%, CHAS burden 40.5%Pittsfield, MA: household 27.9%, one worker 41.0%, CHAS burden 46.8%Corvallis, OR: household 27.9%, one worker 37.6%, CHAS burden 55.2%Tallahassee, FL: household 27.8%, one worker 39.0%, CHAS burden 50.6%Dover, DE: household 27.8%, one worker 44.3%, CHAS burden 47.9%Hattiesburg, MS: household 27.6%, one worker 44.1%, CHAS burden 41.5%Twin Falls, ID: household 27.6%, one worker 41.9%, CHAS burden 39.5%Farmington, NM: household 27.6%, one worker 33.7%, CHAS burden 36.7%San Jose, CA: household 27.6%, one worker 53.2%, CHAS burden 41.1%Sandusky, OH: household 27.6%, one worker 45.1%, CHAS burden 35.9%Pensacola, FL: household 27.6%, one worker 45.3%, CHAS burden 44.4%Chico, CA: household 27.6%, one worker 39.0%, CHAS burden 51.0%Ann Arbor, MI: household 27.5%, one worker 44.3%, CHAS burden 47.7%Reno, NV: household 27.5%, one worker 48.4%, CHAS burden 45.8%Jacksonville, NC: household 27.5%, one worker 46.6%, CHAS burden 44.6%The Villages, FL: household 27.5%, one worker 45.8%, CHAS burden 50.0%Las Vegas, NV: household 27.4%, one worker 44.9%, CHAS burden 49.5%Norwich, CT: household 27.4%, one worker 41.4%, CHAS burden 43.6%Virginia Beach, VA: household 27.4%, one worker 45.6%, CHAS burden 47.4%Columbia, SC: household 27.3%, one worker 40.2%, CHAS burden 46.3%Lafayette, IN: household 27.3%, one worker 34.7%, CHAS burden 47.7%Redding, CA: household 27.3%, one worker 40.5%, CHAS burden 44.2%Mobile, AL: household 27.2%, one worker 34.1%, CHAS burden 45.0%Worcester, MA: household 27.1%, one worker 45.0%, CHAS burden 43.7%Wilmington, NC: household 27.1%, one worker 45.2%, CHAS burden 45.9%Lafayette, LA: household 27.0%, one worker 39.3%, CHAS burden 42.0%Pinehurst, NC: household 27.0%, one worker 54.1%, CHAS burden 34.3%Lewiston, ME: household 26.9%, one worker 36.9%, CHAS burden 39.4%Burlington, VT: household 26.9%, one worker 41.7%, CHAS burden 49.3%Coeur d'Alene, ID: household 26.8%, one worker 46.0%, CHAS burden 47.2%Montgomery, AL: household 26.8%, one worker 38.1%, CHAS burden 42.9%Watertown, NY: household 26.6%, one worker 37.0%, CHAS burden 41.0%Wenatchee, WA: household 26.5%, one worker 44.1%, CHAS burden 34.3%Boulder, CO: household 26.5%, one worker 39.6%, CHAS burden 54.2%Lubbock, TX: household 26.5%, one worker 40.0%, CHAS burden 46.2%Texarkana, TX: household 26.5%, one worker 34.1%, CHAS burden 42.3%Greenville, SC: household 26.4%, one worker 40.4%, CHAS burden 43.3%Allentown, PA: household 26.4%, one worker 45.6%, CHAS burden 45.4%Bloomington, IN: household 26.4%, one worker 36.3%, CHAS burden 52.2%Charlottesville, VA: household 26.2%, one worker 44.4%, CHAS burden 43.1%Columbus, GA: household 26.2%, one worker 35.7%, CHAS burden 42.7%Boise City, ID: household 26.2%, one worker 45.8%, CHAS burden 40.9%Pueblo, CO: household 26.1%, one worker 34.1%, CHAS burden 46.7%Augusta, GA: household 26.1%, one worker 39.3%, CHAS burden 45.3%Odessa, TX: household 26.0%, one worker 38.3%, CHAS burden 40.3%Staunton, VA: household 26.0%, one worker 39.8%, CHAS burden 41.1%Cleveland, TN: household 26.0%, one worker 42.7%, CHAS burden 37.4%Charleston, WV: household 25.9%, one worker 34.0%, CHAS burden 39.4%Memphis, TN: household 25.9%, one worker 36.7%, CHAS burden 46.8%Daphne, AL: household 25.9%, one worker 53.0%, CHAS burden 42.2%Waco, TX: household 25.9%, one worker 37.3%, CHAS burden 46.7%Olympia, WA: household 25.9%, one worker 40.4%, CHAS burden 49.0%Dalton, GA: household 25.9%, one worker 41.6%, CHAS burden 36.0%Greensboro, NC: household 25.8%, one worker 36.4%, CHAS burden 43.2%Albuquerque, NM: household 25.8%, one worker 38.0%, CHAS burden 45.4%Albany, OR: household 25.8%, one worker 39.6%, CHAS burden 45.0%Jacksonville, FL: household 25.7%, one worker 42.0%, CHAS burden 47.1%Syracuse, NY: household 25.7%, one worker 36.6%, CHAS burden 44.1%Lexington, KY: household 25.6%, one worker 37.9%, CHAS burden 42.4%Dothan, AL: household 25.5%, one worker 38.7%, CHAS burden 37.8%Joplin, MO: household 25.5%, one worker 35.1%, CHAS burden 38.8%Niles, MI: household 25.4%, one worker 36.2%, CHAS burden 43.8%Nashville, TN: household 25.4%, one worker 43.1%, CHAS burden 44.0%Hartford, CT: household 25.4%, one worker 40.3%, CHAS burden 45.0%Rocky Mount, NC: household 25.4%, one worker 34.4%, CHAS burden 39.5%Philadelphia, PA: household 25.3%, one worker 42.6%, CHAS burden 45.8%Laredo, TX: household 25.3%, one worker 42.9%, CHAS burden 43.7%Tucson, AZ: household 25.3%, one worker 37.3%, CHAS burden 45.1%Corpus Christi, TX: household 25.3%, one worker 37.6%, CHAS burden 45.2%Macon, GA: household 25.3%, one worker 33.3%, CHAS burden 48.5%Chattanooga, TN: household 25.3%, one worker 39.0%, CHAS burden 39.5%Charlotte, NC: household 25.2%, one worker 42.0%, CHAS burden 41.8%Sierra Vista, AZ: household 25.2%, one worker 32.0%, CHAS burden 38.1%Helena, MT: household 25.2%, one worker 35.9%, CHAS burden 35.2%Missoula, MT: household 25.1%, one worker 39.3%, CHAS burden 43.2%Binghamton, NY: household 25.0%, one worker 32.7%, CHAS burden 45.8%Cleveland, OH: household 25.0%, one worker 35.3%, CHAS burden 41.2%Gadsden, AL: household 25.0%, one worker 37.2%, CHAS burden 40.0%Manchester, NH: household 25.0%, one worker 45.8%, CHAS burden 43.4%Fort Collins, CO: household 25.0%, one worker 42.3%, CHAS burden 47.6%Gainesville, GA: household 24.9%, one worker 43.9%, CHAS burden 46.4%Rochester, NY: household 24.9%, one worker 37.0%, CHAS burden 46.3%Atlanta, GA: household 24.8%, one worker 43.5%, CHAS burden 46.6%Salem, OR: household 24.7%, one worker 35.3%, CHAS burden 47.5%Roanoke, VA: household 24.7%, one worker 36.0%, CHAS burden 39.8%Yakima, WA: household 24.6%, one worker 36.4%, CHAS burden 39.4%McAllen, TX: household 24.6%, one worker 37.3%, CHAS burden 43.1%Scranton, PA: household 24.6%, one worker 34.6%, CHAS burden 38.3%Birmingham, AL: household 24.5%, one worker 36.7%, CHAS burden 42.8%Richmond, VA: household 24.5%, one worker 41.3%, CHAS burden 45.9%Champaign, IL: household 24.5%, one worker 31.7%, CHAS burden 44.4%Burlington, NC: household 24.5%, one worker 36.5%, CHAS burden 41.9%Hagerstown, MD: household 24.4%, one worker 40.5%, CHAS burden 41.0%Houma, LA: household 24.3%, one worker 34.2%, CHAS burden 40.2%Durham, NC: household 24.3%, one worker 33.4%, CHAS burden 43.5%Buffalo, NY: household 24.3%, one worker 34.5%, CHAS burden 44.0%Bowling Green, KY: household 24.2%, one worker 34.0%, CHAS burden 40.1%Great Falls, MT: household 24.2%, one worker 35.2%, CHAS burden 38.2%Baton Rouge, LA: household 24.2%, one worker 34.6%, CHAS burden 44.7%Walla Walla, WA: household 24.1%, one worker 33.7%, CHAS burden 47.6%Pittsburgh, PA: household 24.1%, one worker 36.8%, CHAS burden 38.1%Beaumont, TX: household 24.1%, one worker 32.0%, CHAS burden 42.9%Houston, TX: household 24.1%, one worker 40.0%, CHAS burden 46.3%South Bend, IN: household 24.1%, one worker 34.8%, CHAS burden 43.3%Alexandria, LA: household 24.0%, one worker 33.3%, CHAS burden 42.3%Bremerton, WA: household 24.0%, one worker 39.6%, CHAS burden 46.6%Spokane, WA: household 24.0%, one worker 34.0%, CHAS burden 46.3%Utica, NY: household 24.0%, one worker 34.1%, CHAS burden 39.1%Grand Rapids, MI: household 23.8%, one worker 41.5%, CHAS burden 42.5%Milwaukee, WI: household 23.8%, one worker 36.4%, CHAS burden 43.3%Paducah, KY: household 23.8%, one worker 33.3%, CHAS burden 38.3%Detroit, MI: household 23.8%, one worker 35.0%, CHAS burden 43.8%Fairbanks, AK: household 23.7%, one worker 33.9%, CHAS burden 41.2%Colorado Springs, CO: household 23.7%, one worker 40.5%, CHAS burden 50.1%Warner Robins, GA: household 23.7%, one worker 38.6%, CHAS burden 38.5%Seattle, WA: household 23.6%, one worker 37.5%, CHAS burden 44.1%Rome, GA: household 23.6%, one worker 36.3%, CHAS burden 43.8%Phoenix, AZ: household 23.6%, one worker 40.5%, CHAS burden 44.8%Tulsa, OK: household 23.5%, one worker 35.0%, CHAS burden 38.4%Fayetteville, AR: household 23.5%, one worker 41.2%, CHAS burden 33.4%Columbia, MO: household 23.5%, one worker 35.9%, CHAS burden 46.0%Wichita Falls, TX: household 23.4%, one worker 35.5%, CHAS burden 37.5%Cincinnati, OH: household 23.4%, one worker 37.9%, CHAS burden 39.8%Indianapolis, IN: household 23.4%, one worker 37.9%, CHAS burden 42.7%Lynchburg, VA: household 23.4%, one worker 34.9%, CHAS burden 39.0%Springfield, MO: household 23.4%, one worker 33.2%, CHAS burden 41.8%Toledo, OH: household 23.4%, one worker 31.8%, CHAS burden 38.8%Baltimore, MD: household 23.4%, one worker 39.3%, CHAS burden 45.9%Beckley, WV: household 23.3%, one worker 29.2%, CHAS burden 36.4%Clarksville, TN: household 23.2%, one worker 35.7%, CHAS burden 40.9%Manhattan, KS: household 23.2%, one worker 33.1%, CHAS burden 45.6%Rapid City, SD: household 23.2%, one worker 37.7%, CHAS burden 39.1%Washington, DC: household 23.2%, one worker 41.3%, CHAS burden 43.1%Oklahoma City, OK: household 23.2%, one worker 35.4%, CHAS burden 41.4%Tyler, TX: household 23.1%, one worker 40.1%, CHAS burden 40.1%Elizabethtown, KY: household 23.1%, one worker 33.3%, CHAS burden 30.2%Springfield, OH: household 23.1%, one worker 32.0%, CHAS burden 37.0%Grand Island, NE: household 23.0%, one worker 32.5%, CHAS burden 38.4%Rockford, IL: household 23.0%, one worker 33.2%, CHAS burden 42.8%Killeen, TX: household 23.0%, one worker 34.4%, CHAS burden 43.3%Kennewick, WA: household 23.0%, one worker 35.7%, CHAS burden 42.5%Enid, OK: household 23.0%, one worker 37.5%, CHAS burden 35.7%San Angelo, TX: household 22.9%, one worker 36.0%, CHAS burden 43.3%Bay City, MI: household 22.9%, one worker 31.0%, CHAS burden 37.8%Albany, NY: household 22.9%, one worker 34.5%, CHAS burden 40.8%Little Rock, AR: household 22.8%, one worker 33.5%, CHAS burden 41.3%Lake Charles, LA: household 22.8%, one worker 33.3%, CHAS burden 40.5%Kankakee, IL: household 22.8%, one worker 35.4%, CHAS burden 46.3%Reading, PA: household 22.8%, one worker 36.7%, CHAS burden 44.2%Madison, WI: household 22.6%, one worker 34.6%, CHAS burden 40.8%Casper, WY: household 22.6%, one worker 33.4%, CHAS burden 40.1%Saginaw, MI: household 22.6%, one worker 29.7%, CHAS burden 45.1%Lewiston, ID: household 22.6%, one worker 33.9%, CHAS burden 42.9%Glens Falls, NY: household 22.5%, one worker 34.8%, CHAS burden 42.1%Louisville, KY: household 22.5%, one worker 34.4%, CHAS burden 39.5%Racine, WI: household 22.5%, one worker 35.9%, CHAS burden 39.4%Billings, MT: household 22.4%, one worker 35.3%, CHAS burden 41.7%Duluth, MN: household 22.4%, one worker 32.2%, CHAS burden 43.6%Columbus, OH: household 22.4%, one worker 35.7%, CHAS burden 39.0%Albany, GA: household 22.4%, one worker 29.2%, CHAS burden 45.6%Muskegon, MI: household 22.4%, one worker 31.6%, CHAS burden 43.7%Cheyenne, WY: household 22.3%, one worker 34.7%, CHAS burden 40.3%San Antonio, TX: household 22.3%, one worker 36.1%, CHAS burden 45.6%Anniston, AL: household 22.3%, one worker 28.7%, CHAS burden 40.0%Lawrence, KS: household 22.3%, one worker 32.8%, CHAS burden 48.9%Dallas, TX: household 22.2%, one worker 39.0%, CHAS burden 45.2%Portland, OR: household 22.2%, one worker 35.7%, CHAS burden 46.6%Kansas City, MO: household 22.2%, one worker 36.5%, CHAS burden 40.2%Sherman, TX: household 22.2%, one worker 35.9%, CHAS burden 41.7%Rochester, MN: household 22.1%, one worker 33.6%, CHAS burden 40.6%Youngstown, OH: household 22.1%, one worker 28.7%, CHAS burden 41.1%Amarillo, TX: household 22.1%, one worker 34.5%, CHAS burden 39.9%Lima, OH: household 22.1%, one worker 29.9%, CHAS burden 35.7%Topeka, KS: household 22.0%, one worker 31.1%, CHAS burden 41.0%Provo, UT: household 22.0%, one worker 46.2%, CHAS burden 41.9%Iowa City, IA: household 22.0%, one worker 33.0%, CHAS burden 49.5%Lawton, OK: household 22.0%, one worker 31.6%, CHAS burden 37.9%Denver, CO: household 21.9%, one worker 37.2%, CHAS burden 46.9%Longview, TX: household 21.9%, one worker 32.3%, CHAS burden 40.0%Harrisburg, PA: household 21.8%, one worker 35.6%, CHAS burden 37.6%St. Louis, MO: household 21.8%, one worker 35.0%, CHAS burden 40.5%Florence, AL: household 21.8%, one worker 33.9%, CHAS burden 33.6%Elmira, NY: household 21.8%, one worker 29.0%, CHAS burden 47.4%Greeley, CO: household 21.7%, one worker 38.3%, CHAS burden 47.2%Fort Wayne, IN: household 21.6%, one worker 32.3%, CHAS burden 38.3%Logan, UT: household 21.6%, one worker 37.8%, CHAS burden 42.0%Longview, WA: household 21.5%, one worker 28.7%, CHAS burden 45.6%Huntington, WV: household 21.5%, one worker 29.0%, CHAS burden 39.5%Fort Smith, AR: household 21.5%, one worker 31.8%, CHAS burden 36.3%Altoona, PA: household 21.5%, one worker 30.3%, CHAS burden 42.0%Lincoln, NE: household 21.5%, one worker 32.3%, CHAS burden 40.6%Lansing, MI: household 21.4%, one worker 29.5%, CHAS burden 44.4%Battle Creek, MI: household 21.4%, one worker 27.8%, CHAS burden 40.4%Anchorage, AK: household 21.3%, one worker 35.6%, CHAS burden 43.5%Midland, MI: household 21.3%, one worker 33.5%, CHAS burden 42.8%Kalamazoo, MI: household 21.3%, one worker 31.8%, CHAS burden 45.0%Lancaster, PA: household 21.2%, one worker 38.2%, CHAS burden 41.7%Idaho Falls, ID: household 21.1%, one worker 36.3%, CHAS burden 35.6%Akron, OH: household 21.0%, one worker 31.2%, CHAS burden 42.8%Columbus, IN: household 21.0%, one worker 34.6%, CHAS burden 33.2%Owensboro, KY: household 21.0%, one worker 31.7%, CHAS burden 36.4%Parkersburg, WV: household 21.0%, one worker 28.7%, CHAS burden 43.7%Terre Haute, IN: household 21.0%, one worker 26.4%, CHAS burden 44.3%Flint, MI: household 20.9%, one worker 28.4%, CHAS burden 45.9%Midland, TX: household 20.9%, one worker 35.7%, CHAS burden 40.3%Lebanon, PA: household 20.8%, one worker 35.1%, CHAS burden 42.3%Erie, PA: household 20.8%, one worker 29.7%, CHAS burden 44.7%Minneapolis, MN: household 20.8%, one worker 34.9%, CHAS burden 43.3%Victoria, TX: household 20.7%, one worker 33.8%, CHAS burden 42.8%Chambersburg, PA: household 20.7%, one worker 33.5%, CHAS burden 36.1%Bloomington, IL: household 20.6%, one worker 31.0%, CHAS burden 36.7%Decatur, AL: household 20.5%, one worker 30.1%, CHAS burden 35.1%Wichita, KS: household 20.4%, one worker 30.3%, CHAS burden 39.5%Omaha, NE: household 20.4%, one worker 34.9%, CHAS burden 41.5%Jackson, MI: household 20.4%, one worker 28.2%, CHAS burden 41.4%Raleigh, NC: household 20.2%, one worker 39.0%, CHAS burden 41.9%Williamsport, PA: household 20.2%, one worker 28.1%, CHAS burden 38.7%Muncie, IN: household 20.2%, one worker 26.6%, CHAS burden 46.4%Sioux City, IA: household 20.2%, one worker 32.2%, CHAS burden 35.7%Elkhart, IN: household 20.1%, one worker 28.6%, CHAS burden 41.4%Salt Lake City, UT: household 20.0%, one worker 35.6%, CHAS burden 42.7%Monroe, MI: household 20.0%, one worker 33.5%, CHAS burden 45.8%St. Cloud, MN: household 19.9%, one worker 30.0%, CHAS burden 38.9%Austin, TX: household 19.8%, one worker 34.8%, CHAS burden 43.9%Peoria, IL: household 19.7%, one worker 28.6%, CHAS burden 39.7%Grand Forks, ND: household 19.7%, one worker 27.7%, CHAS burden 42.1%Decatur, IL: household 19.7%, one worker 24.1%, CHAS burden 35.5%York, PA: household 19.6%, one worker 34.6%, CHAS burden 43.1%Cedar Rapids, IA: household 19.6%, one worker 31.0%, CHAS burden 37.7%Eau Claire, WI: household 19.5%, one worker 30.3%, CHAS burden 37.0%Canton, OH: household 19.5%, one worker 28.9%, CHAS burden 37.2%Pocatello, ID: household 19.5%, one worker 28.6%, CHAS burden 38.8%Mankato, MN: household 19.4%, one worker 29.7%, CHAS burden 40.2%St. Joseph, MO: household 19.3%, one worker 26.5%, CHAS burden 39.0%Bismarck, ND: household 19.3%, one worker 31.3%, CHAS burden 36.8%Huntsville, AL: household 19.3%, one worker 32.0%, CHAS burden 37.5%Wheeling, WV: household 19.2%, one worker 24.9%, CHAS burden 37.9%Michigan City, IN: household 19.2%, one worker 30.0%, CHAS burden 38.9%Janesville, WI: household 19.2%, one worker 30.0%, CHAS burden 37.2%Ogden, UT: household 19.1%, one worker 39.6%, CHAS burden 39.3%Springfield, IL: household 19.1%, one worker 27.5%, CHAS burden 39.8%Sioux Falls, SD: household 19.0%, one worker 32.8%, CHAS burden 35.3%Kokomo, IN: household 19.0%, one worker 24.8%, CHAS burden 36.3%La Crosse, WI: household 19.0%, one worker 28.8%, CHAS burden 38.9%Fond du Lac, WI: household 19.0%, one worker 28.0%, CHAS burden 35.9%Evansville, IN: household 18.9%, one worker 27.8%, CHAS burden 40.4%Oshkosh, WI: household 18.7%, one worker 25.9%, CHAS burden 35.7%Mansfield, OH: household 18.5%, one worker 24.6%, CHAS burden 40.3%Gettysburg, PA: household 18.5%, one worker 33.3%, CHAS burden 36.1%Des Moines, IA: household 18.3%, one worker 30.3%, CHAS burden 38.2%Johnstown, PA: household 17.7%, one worker 23.5%, CHAS burden 35.9%Fargo, ND: household 17.7%, one worker 26.6%, CHAS burden 39.7%Green Bay, WI: household 17.6%, one worker 27.9%, CHAS burden 35.5%Minot, ND: household 17.6%, one worker 28.1%, CHAS burden 34.1%Sheboygan, WI: household 17.5%, one worker 24.7%, CHAS burden 29.7%Dubuque, IA: household 17.5%, one worker 27.9%, CHAS burden 42.4%Ames, IA: household 17.4%, one worker 25.3%, CHAS burden 45.0%Cape Girardeau, MO: household 17.3%, one worker 26.0%, CHAS burden 41.4%Appleton, WI: household 17.3%, one worker 29.7%, CHAS burden 29.5%Waterloo, IA: household 16.9%, one worker 25.2%, CHAS burden 44.5%Davenport, IA: household 16.8%, one worker 25.2%, CHAS burden 39.7%Jefferson City, MO: household 16.8%, one worker 25.9%, CHAS burden 30.3%Weirton, WV: household 15.9%, one worker 20.4%, CHAS burden 35.9%Wausau, WI: household 15.7%, one worker 25.0%, CHAS burden 37.7%KahuluiNew YorkMiamiSanta MariaSanta CruzPort St. LucieAnnualized ZORI / ACS median household income →Annualized ZORI / OEWS all-occupations median wage →
Emerald and orange use HUD CHAS burden only as a separate observed outcome. ACS households, OEWS workers and CHAS renters are different populations; no dot is a household budget or a RentMarker Score.
Decision table

The first 24 rows, with a path to the underlying market

378 total rows Download all rows JSON
One asking-rent measure across household, worker, occupation-breadth and observed renter-burden lenses
RankMetroMonthly rentRequired incomeHousehold lensOne-worker lensMajor groups supportingCHAS burdenOpen
1Kahului, HIZillow 2026-06-30 · OEWS 2025-05$3,571$142,84044.1%$97,109 ACS income74.3%$57,640 median wage0 / 220.0%45.9%18,965 households · 2018-2022Build household
2New York, NYZillow 2026-06-30 · OEWS 2025-05$3,573$142,92043.2%$99,155 ACS income69.8%$61,430 median wage2 / 229.1%47.3%3,530,650 households · 2018-2022Build household
3Miami, FLZillow 2026-06-30 · OEWS 2025-05$2,695$107,80042.3%$76,527 ACS income66.5%$48,640 median wage1 / 224.5%57.3%914,000 households · 2018-2022Build household
4Santa Maria, CAZillow 2026-06-30 · OEWS 2025-05$3,294$131,76040.3%$98,161 ACS income76.5%$51,690 median wage0 / 220.0%51.9%69,865 households · 2018-2022Build household
5Santa Cruz, CAZillow 2026-06-30 · OEWS 2025-05$3,609$144,36039.0%$111,093 ACS income79.1%$54,730 median wage0 / 220.0%47.9%38,635 households · 2018-2022Build household
6Port St. Lucie, FLZillow 2026-06-30 · OEWS 2025-05$2,347$93,88037.8%$74,514 ACS income60.6%$46,490 median wage1 / 224.5%51.2%42,035 households · 2018-2022Build household
7Merced, CAZillow 2026-06-30 · OEWS 2025-05$2,010$80,40036.8%$65,510 ACS income51.1%$47,220 median wage5 / 2222.7%41.3%38,605 households · 2018-2022Build household
8Los Angeles, CAZillow 2026-06-30 · OEWS 2025-05$2,927$117,08036.6%$95,958 ACS income62.9%$55,850 median wage3 / 2213.6%52.2%2,274,260 households · 2018-2022Build household
9El Centro, CAZillow 2026-06-30 · OEWS 2025-05$1,756$70,24036.5%$57,681 ACS income46.7%$45,140 median wage9 / 2240.9%48.4%19,900 households · 2018-2022Build household
10Homosassa Springs, FLZillow 2026-06-30 · OEWS 2025-05$1,708$68,32036.2%$56,546 ACS income49.6%$41,360 median wage5 / 2222.7%46.4%9,890 households · 2018-2022Build household
11Salinas, CAZillow 2026-06-30 · OEWS 2025-05$2,906$116,24035.9%$97,230 ACS income73.6%$47,380 median wage2 / 229.1%50.0%62,615 households · 2018-2022Build household
12Sebastian, FLZillow 2026-06-30 · OEWS 2025-05$2,184$87,36035.7%$73,491 ACS income57.6%$45,480 median wage2 / 229.1%48.4%13,025 households · 2018-2022Build household
13Naples, FLZillow 2026-06-30 · OEWS 2025-05$2,675$107,00035.6%$90,045 ACS income67.2%$47,800 median wage0 / 210.0%55.2%39,405 households · 2018-2022Build household
14Flagstaff, AZZillow 2026-06-30 · OEWS 2025-05$2,123$84,92034.9%$72,966 ACS income53.6%$47,500 median wage4 / 2218.2%46.7%21,290 households · 2018-2022Build household
15San Luis Obispo, CAZillow 2026-06-30 · OEWS 2025-05$2,835$113,40034.9%$97,446 ACS income67.0%$50,770 median wage2 / 229.1%51.4%41,065 households · 2018-2022Build household
16Abilene, TXZillow 2026-06-30 · OEWS 2025-05$1,935$77,40034.5%$67,328 ACS income52.4%$44,340 median wage3 / 2213.6%43.3%24,235 households · 2018-2022Build household
17Barnstable Town, MAZillow 2026-06-30 · OEWS 2025-05$2,725$109,00034.3%$95,241 ACS income58.0%$56,360 median wage1 / 224.5%49.4%18,635 households · 2018-2022Build household
18Urban Honolulu, HIZillow 2026-06-30 · OEWS 2025-05$3,038$121,52034.3%$106,195 ACS income63.7%$57,220 median wage0 / 220.0%51.7%137,320 households · 2018-2022Build household
19Hinesville, GAZillow 2026-06-30 · OEWS 2025-05$1,749$69,96034.0%$61,709 ACS income45.0%$46,670 median wage7 / 2133.3%42.5%14,085 households · 2018-2022Build household
20Riverside, CAZillow 2026-06-30 · OEWS 2025-05$2,539$101,56034.0%$89,662 ACS income63.0%$48,400 median wage2 / 229.1%52.6%492,970 households · 2018-2022Build household
21San Diego, CAZillow 2026-06-30 · OEWS 2025-05$2,991$119,64033.8%$106,268 ACS income61.2%$58,690 median wage4 / 2218.2%52.6%525,845 households · 2018-2022Build household
22Lakeland, FLZillow 2026-06-30 · OEWS 2025-05$1,848$73,92033.6%$65,978 ACS income48.1%$46,140 median wage6 / 2227.3%44.5%79,815 households · 2018-2022Build household
23Hanford, CAZillow 2026-06-30 · OEWS 2025-05$1,983$79,32033.5%$70,995 ACS income49.1%$48,470 median wage7 / 2231.8%41.4%19,665 households · 2018-2022Build household
24Boston, MAZillow 2026-06-30 · OEWS 2025-05$3,210$128,40033.2%$115,863 ACS income57.8%$66,620 median wage3 / 2213.6%44.8%736,130 households · 2018-2022Build household

The visible table is intentionally limited for reading. The CSV contains every row that passes the printed inclusion rule.

Reproduce the screen

Inclusion first, interpretation second.

Include a current metropolitan statistical area only when its exact OMB CBSA has direct Zillow ZORI, ACS median household income, a direct OEWS all-occupations annual median, at least 20 major groups with published annual medians and HUD CHAS coverage for every stored member county. Micropolitan and OEWS nonmetropolitan areas stay out.

Methodology version: v16

Method

  1. Annualized asking rent is current monthly Zillow ZORI multiplied by 12; required gross income divides that annual rent by the descriptive 30 percent screen.
  2. Household rent share divides annualized rent by ACS median household income. Worker rent share divides the same rent by the direct OEWS all-occupations annual median wage. Neither denominator substitutes for the other.
  3. Occupation support is the share of directly published major-group annual medians at or above required income. Suppressed medians remain excluded rather than becoming zero or an estimate.
  4. HUD CHAS moderate and severe burden counts are summed across exact stored member counties, then divided by their published renter-household base. HUD disclosure-rounded counts and the CHAS period remain visible.

Counter-signals

  • Median household income can include multiple earners and non-wage income, while OEWS describes one modeled wage-and-salary occupation median.
  • A metro can clear a median-income screen while many lower-income renter households remain cost burdened; the CHAS outcome therefore stays independent.
  • ZORI, ACS, OEWS and CHAS describe different universes and periods. Their juxtaposition is a named screen, not a synchronized household budget or causal claim.

Limitations

  • ZORI is a typical asking-rent index, not the rent paid by the ACS, OEWS or CHAS populations and not a bedroom-specific quote.
  • OEWS excludes the self-employed, most agriculture, private households and unpaid family workers, combines six panels over three years and may suppress fields.
  • CHAS is a 2018-2022 special tabulation with disclosure-rounded county counts; summing exact member counties does not remove that rounding or reveal household occupations.
  • The 30 percent line is a transparent comparison rule, not a universal affordability verdict; taxes, utilities, dependents, debt and household composition remain outside it.
Move from market to deal

Use the study to narrow the question—not to skip underwriting.

Open a market for its supply, affordability, migration and risk context. Compare a deliberate substitute, then bring a real property price, rent and expenses into the stress test.

Build a household scenario Stress-test a dealOpen curated comparisons
Source vintages

Every input release used by this study

Release and retrieval dates stay visible so a reader can tell whether two measures describe the same moment.

acs incomeCensus ACS 5-year — household income and gross rentACS 2024 5-year · retrieved 2026-08-05bls oewsBLS OEWS — occupation employment and wagesMay 2025 OEWS estimates (released 2026-05-15) · retrieved 2026-08-03cbsa delineationOMB/BLS delineation — metro geographyOMB July 2023 delineation · retrieved 2026-07-30hud chasHUD CHAS — renter burden by HAMFI income bandHUD CHAS 2018-2022 ACS 5-year (released 2025-12-23) · retrieved 2026-08-03zillow zoriZillow ZORI — metro market rentsMetro_zori_uc_sfrcondomfr_sm_sa_month.csv · retrieved 2026-07-26