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Appreciation is calculated using metrics such as Year-over-Year (YoY) Appreciation and 5-Year Investor Appreciation. The YoY Appreciation reflects annual changes in property values, while the 5-Year Appreciation measures cumulative price changes over five years, serving as a proxy for equity build. For more detailed methodology, you can visit our methodology page.
Why: The question asks how appreciation is calculated, which fits the methodology question intent.
Methodology — catalog matches
Topic: "appreciation calculation"
budget.yoy_appreciation · city
Budget
weight 25%
Source: Redfin Market Data (2026)FHA-safe
investor.appreciation_5yr · city
Investor
weight 8%
Source: FHFA House Price Index (2026)FHA-safe
Cumulative price change over 5 years; equity-build proxy
Data sources
Raw structured response
{
"topic": "appreciation calculation",
"matches": [
{
"metric_id": "budget.yoy_appreciation",
"level": "city",
"composite": "Budget",
"factor_name": "YoY Appreciation",
"federal_source": "Redfin Market Data",
"weight_pct": 25,
"source_year": "2026",
"fha_safe": true,
"is_roi": false,
"notes": null,
"direction": "higher_better",
"unit": null
},
{
"metric_id": "investor.appreciation_5yr",
"level": "city",
"composite": "Investor",
"factor_name": "Investor 5-Year Appreciation",
"federal_source": "FHFA House Price Index",
"weight_pct": 8,
"source_year": "2026",
"fha_safe": true,
"is_roi": false,
"notes": "Cumulative price change over 5 years; equity-build proxy",
"direction": "higher_better",
"unit": "percent"
}
],
"anchor_url": "/trust/methodology"
}