The ValiFit Metrics Catalog

Up-front and annual MIP.

15-year rate.

Drives all loan calculations.

State-level median for "below-median" filter.

State income tax for relocation comparisons.

County FHA cap; drives /api/affordability.

Source for health composite county-level rollups.

County-level median household income.

Share of sales closing above asking. Direct heat indicator.

Share of new listings going pending within 14 days. Demand signal.

Median of last sale price across town parcels. Strong national coverage where parcel_details has sale data: NJ/CO/CT/FL/MA/MD (~60-80% of parcels).

YoY change in months-of-supply. Rising = inventory accumulating = buyer leverage.

YoY change in price-drop frequency. Rising = cooling market = buyer leverage.

HUD FMR vs user budget for ACTUAL bedroom count from intake. Catalog merged with id=56 May 7.

Property tax rate. Cascade: tax_rates_v2 (NJ-only) → municipality_metrics → parcel_details (where parcel-derived rate computable). Catalog merged with id=54.

avg_sale_to_list < 100 = buyers negotiating below ask = leverage. > 100 = sellers market.

Median monthly HOA across active listings in town. Affects total monthly carry beyond P&I.

Distinct routes serving stops within 0.5mi of town centroid. Higher = more options.

Distinct transit modes (bus/rail/subway/ferry) within 0.5mi. Diversity = resilience.

NCES F-33 exp_total / enrollment. Catalog merged with id=64.

Distinct active NPIs / 1k residents. Catalog merged with id=66 May 7.

Share of providers whose primary_specialty matches HRSA primary-care taxonomy codes.

NRHP-listed sites within 1mi of town centroid. Indicator of preservation overlay restrictions / character.

Median effective_year_built across town's parcels. Effective accounts for major renovations.

Median living_sqft from parcel_details. National coverage in NY/FL/MA/MD/CT (62-86%). Falls back to active_listings.sqft.

Cascades parcel_details (10+ states market_value) → parcels → active_listings

Share of active listings flagged new_construction. Indicates supply growth + neighborhood evolution.

Yearly tax bill on the parcel.

Tax-assessor valuation.

NCES ID of the elementary school for the address.

NCES ID of the high school.

NCES ID of the middle school.

Listed bed count; matches user "I need N+ bedrooms".

FEMA designation for the parcel polygon.

Full bath count.

Covered parking count.

Half-bath count.

Date of most recent recorded sale.

Most recent recorded sale.

Heated/finished living area.

Total lot footprint.

True if newly built.

SFH/condo/townhouse/etc. enum.

Building stories.

Original construction year.

Days since first listed in current cycle.

Ratio of estimate to ask; >1 means underpriced.

Monthly HOA dues.

Date originally listed.

Current asking price.

Authoritative listing-agent attribution.

MLS description; embedded into listing_embeddings for vibe match.

active/pending/contingent/withdrawn enum.

Date listing went pending.

Number of MLS photos (proxy for marketing effort).

List price ÷ living sqft.

Used by /api/affordability multi-loan compare.

Combined with FHA/Conv minimums to set max purchase.

Routes school weighting to elem/middle/high tier.

Geocoded destinations + frequency for haversine commute composite.

Per-composite weight in the user-controlled match.

Unlocks FTHB DPA programs in education layer.

deal-breaker | strict | default | flexible | totally-flex per priority.

Affects bed/bath need + DTI denominator.

Triggers school-composite weighting.

cash_flow | appreciation | flip | brrr.

Months. Affects rental match radius.

Brewery/hiking/dog park etc; weights livability composite.

CFPB QM 43% back-end DTI cap.

Replaces mortgage math; drives rental match.

Yard/pet-friendly building need.

Monthly rent / price target.

Zips/towns the agent actively services.

Composite reputation score; visible to buyers.

Mean days from intro to close.

Pct of intros where agent reached buyer within SLA.

FTHB / luxury / investor / relocation etc.