Rent-to-Income Ratio

Source

HUD FMR + Census ACS · vintage 2026 · refresh cadence: annual

Direction of better

Lower values are better. Used to rank candidate towns/properties; lower score = stronger fit.

Unit

Values are reported in percent.

Default weight in Budget composite

30% of the Budget composite by default. Users can override this weight in their intake; the displayed score reflects the user's chosen weighting, never a fixed default.

Where the data lives

Tables: hud_fair_market_rents, census_demographics_municipality_mat

Columns: fmr_*br, median_household_income

Input field: hudFmrForBeds,medianIncome

JSON-LD example

Every value emitted by ValiFit (in /api/v1, MCP responses, on-page JSON-LD) carries a propertyID set to this metric_id, so AI clients can resolve it back here in one round-trip.

{
  "@type": "PropertyValue",
  "propertyID": "budget.rent_to_income_ratio",
  "name": "Rent-to-Income Ratio",
  "value": 12.4,
  "unitText": "percent",
  "additionalProperty": [
    {
      "@type": "PropertyValue",
      "name": "composite",
      "value": "Budget"
    },
    {
      "@type": "PropertyValue",
      "name": "level",
      "value": "city"
    },
    {
      "@type": "PropertyValue",
      "name": "direction",
      "value": "lower_better"
    },
    {
      "@type": "PropertyValue",
      "name": "source_year",
      "value": "2026"
    },
    {
      "@type": "PropertyValue",
      "name": "fha_safe",
      "value": true
    }
  ],
  "valueReference": {
    "@type": "QuantitativeValue",
    "additionalType": "https://valifit.com/catalog/metric",
    "identifier": "budget.rent_to_income_ratio",
    "sameAs": "HUD FMR + Census ACS"
  },
  "mentions": [
    {
      "@type": "Dataset",
      "@id": "https://valifit.com/sources/hud-fair-market-rents",
      "identifier": "HUD_FMR",
      "name": "HUD Fair Market Rents",
      "url": "https://www.huduser.gov/portal/datasets/fmr.html",
      "sameAs": "https://www.huduser.gov/portal/datasets/fmr.html",
      "creator": {
        "@type": "Organization",
        "name": "HUD"
      },
      "temporalCoverage": "annual",
      "dateModified": "2026-04-01"
    }
  ]
}