{"area":{"county":"Cedar County","state":"MO","stateName":"Missouri","slug":"cedar-mo","metro":null},"homeValue":{"series":[{"date":"2021-04-01","value":145994},{"date":"2021-07-01","value":151139},{"date":"2021-10-01","value":156515},{"date":"2022-01-01","value":162482},{"date":"2022-04-01","value":167376},{"date":"2022-07-01","value":168100},{"date":"2022-10-01","value":169618},{"date":"2023-01-01","value":171535},{"date":"2023-04-01","value":176053},{"date":"2023-07-01","value":179503},{"date":"2023-10-01","value":181705},{"date":"2024-01-01","value":185140},{"date":"2024-04-01","value":187584},{"date":"2024-07-01","value":189876},{"date":"2024-10-01","value":191334},{"date":"2025-01-01","value":193227},{"date":"2025-04-01","value":194404},{"date":"2025-07-01","value":195552},{"date":"2025-10-01","value":200116},{"date":"2026-01-01","value":200894},{"date":"2026-04-01","value":201712}],"latest":201712,"yoy":3.7591819098372463,"fiveYr":38.16458210611395,"sinceStart":309.34310124398803,"modeled":true},"rent":{"series":[{"date":"2026-11-01","value":962}],"latest":962,"yoy":null,"fiveYr":null,"sinceStart":null,"modeled":true},"census":{"medianIncome":48181,"population":14615,"povertyRate":16.984666620412128,"medianHomeValue":168100,"medianGrossRent":767,"medianPropertyTax":1044},"hud":{"county":"Cedar County","year":"2027","perUnit":962,"bedrooms":2,"estimated":false,"baseBedrooms":2},"crime":{"scope":"state","state":"Missouri","period":"10-2024 to 09-2026","window":{"from":"10-2024","to":"09-2026","fellBack":false},"violentCrime":{"total":50057,"ratePer100k":399.1441886752674},"propertyCrime":{"total":193566,"ratePer100k":1543.455341413125},"note":"State-level totals from the FBI CDE summarized offense endpoint."},"crimeVintage":{"from":"10-2024","to":"09-2026","fellBack":false},"priceToRentRatio":17.5,"ratioVerdict":"Borderline — at 17.5× the market leans renting (modeled investor cash flow is negative, so this is owner-occupant math — it is not a claim of strong rental yield)","priceCagr":6.680044932299167,"rentCagr":3,"cashFlow":{"price":201712,"monthlyRent":962,"grossRent":962,"downPct":20,"ratePct":6.75,"units":1,"state":"MO","down":40342.4,"loan":161369.6,"mortgagePI":1046.6401540397433,"monthlyTax":104.38596000000001,"taxRatePct":0.621,"taxRateSource":"Census ACS county effective rate 0.62% ($1,044 tax ÷ $168,100 ACS median), applied to current value","monthlyInsurance":100.856,"insuranceRatePct":0.6,"insuranceBasis":"Insurance: state-level estimate (MO avg 0.6%/yr)","insuranceHighRisk":false,"vacancyPct":5,"vacancyLoss":48.1,"egi":913.9,"mgmtPct":10,"monthlyMgmt":96.2,"maintenancePct":5,"monthlyMaint":48.1,"capexPct":5,"monthlyCapex":48.1,"hoaMonthly":0,"monthlyHoa":0,"operatingExpenses":397.64196000000004,"noi":516.2580399999999,"totalExpenses":1444.2821140397432,"cashFlow":-530.3821140397433,"annualCf":-6364.58536847692,"cocReturn":-15.776417289196775,"capRate":3.0712582692155146},"resilience":{"scenarios":[{"id":"rentDown","label":"Rent drops 10%","kind":"standard","detail":"Standard assumption","cashFlow":-602.5321140397432,"delta":-72,"survives":false},{"id":"vacancy","label":"Vacancy stretches to 8%","kind":"standard","detail":"Standard assumption","cashFlow":-559.2421140397433,"delta":-29,"survives":false},{"id":"insurance","label":"Insurance costs rise 25%","kind":"standard","detail":"Standard assumption","cashFlow":-555.5961140397433,"delta":-25,"survives":false},{"id":"rateReset","label":"If financed at 8.25% instead","kind":"standard","detail":"Fixed-rate comparison — the deal if you'd borrowed at a higher rate today; your actual fixed payment never resets","cashFlow":-696.057873890561,"delta":-166,"survives":false},{"id":"historyHome","label":"Worst market shock in available history (since 1991-01-01) (home values −7.1% over 12 months)","kind":"history","detail":"History-derived proxy: worst decline found in any window of up to 12 months in the state FHFA home-value series, 2010-04-01 → 2011-04-01, applied to rent","cashFlow":-581.9291156604888,"delta":-52,"survives":false}],"survived":0,"total":5,"score":0,"worstCashFlow":-696.057873890561,"baselineCashFlow":-530.3821140397433,"framing":"underwater","confidenceLabel":"crosscheck","omitted":[],"note":"Each scenario re-runs the same verified cash-flow engine with one shock applied, then re-checks the cash-flow identity before display. Standard shocks are fixed assumptions; the history-derived scenario is this market's own worst observed 12-month decline. Estimates only — not a guarantee of performance."},"rentVsBuy":{"years":7,"priceCagr":6.680044932299167,"rentCagr":3,"totalRentPaid":88455.46341548998,"totalCashOutlay":172167.67129857166,"insuranceBasis":"Insurance: state-level estimate (MO avg 0.6%/yr)","homeValueAfter":317186.0401198941,"equityBuilt":170682.657588069,"netCostOfBuying":41827.413710502646,"buyingCheaper":true,"savings":46628.04970498734},"priceToIncome":{"ratio":4.186546563998257,"price":201712,"medianIncome":48181,"label":"Moderate (3–5x — tighter budgets)"},"countyTaxRatePct":0.621,"countyTaxSource":"Census ACS county effective rate 0.62% ($1,044 tax ÷ $168,100 ACS median), applied to current value","dataCheck":{"status":"crosscheck","checks":[{"metric":"home value (vintage update)","primary":201712,"secondary":168100,"primarySource":"current estimate (ACS county median × FHFA state HPI growth)","secondarySource":"raw ACS 2023 county median (as measured ~2021)","ratio":1.2,"grade":"crosscheck","consistent":false,"hidePoint":false},{"metric":"HUD fair market rent","primary":962,"secondary":767,"primarySource":"HUD FMR (county)","secondarySource":"Census ACS (county gross rent)","ratio":1.25,"grade":"crosscheck","consistent":false,"hidePoint":false}],"confidence":{"homeValue":{"label":"crosscheck","ratio":1.2,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":168100,"high":201712}},"rent":{"label":"crosscheck","ratio":1.25,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":767,"high":962}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"note":"Every headline metric is checked against a second figure, and each check names its own basis. The rent and property-price checks pair genuinely independent datasets (HUD FMR vs Census ACS gross rent; your price vs the county estimate). The home-value check compares our current estimate (ACS county median updated by the FHFA state index) against the raw ACS 2023 median — its spread reflects price movement since the ACS measurement period (~2021), not disagreement between unrelated sources. 'Verified' means the two figures agree within 15%; 'Cross-checked' means they diverge more than 15%; 'Divergent' flags a >2x difference. A spread beyond 35% is too wide to defend a single point — the headline shows the source range instead, flagged 'sources disagree'."},"integrity":{"status":"pass","checks":[{"name":"home value freshness","status":"pass","detail":"latest 2026-04-01 (228d old — current for quarterly cadence)"},{"name":"home value card↔chart","status":"pass","detail":"card matches chart"},{"name":"home value growth window","status":"pass","detail":"growth matches the 5.0yr available window"},{"name":"rent freshness","status":"pass","detail":"latest 2026-11-01 (14d old — current for monthly cadence)"},{"name":"rent card↔chart","status":"pass","detail":"card matches chart"},{"name":"cash flow identity","status":"pass","detail":"NOI − P&I = cash flow"},{"name":"cash-on-cash","status":"pass","detail":"annual CF ÷ down matches"},{"name":"cap rate","status":"pass","detail":"NOI×12 ÷ price matches"},{"name":"price-to-rent","status":"pass","detail":"price ÷ (rent×12) matches"},{"name":"income plausibility","status":"pass","detail":"within expected range"},{"name":"price-to-income","status":"pass","detail":"price ÷ income matches"},{"name":"buy-vs-rent: home value at term","status":"pass","detail":"compounds at 6.7%/yr"},{"name":"buy-vs-rent: total rent paid","status":"pass","detail":"geometric series matches"},{"name":"buy-vs-rent: equity built","status":"pass","detail":"home value − loan balance matches"},{"name":"buy-vs-rent: net cost","status":"pass","detail":"outlay − equity gain matches"},{"name":"buy-vs-rent: savings & verdict","status":"pass","detail":"savings = rent − net cost, verdict matches"}],"summary":"16/16 verified","freshness":{"homeValue":{"date":"2026-04-01","ageDays":228,"cadence":"quarterly","current":true},"rent":{"date":"2026-11-01","ageDays":14,"cadence":"monthly","current":true}}},"confidence":{"homeValue":{"label":"crosscheck","ratio":1.2,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":168100,"high":201712}},"rent":{"label":"crosscheck","ratio":1.25,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":767,"high":962}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"verdict":"Cedar County, MO is a moderate market — a 17.5x price-to-rent ratio is borderline, leaning renting; individual deals decide the outcome.","faqs":[{"q":"Is Cedar County, MO a good rental market?","a":"Mixed. Cedar County's 17.5x price-to-rent ratio is moderate; rentals can cash flow, but only on well-priced properties."},{"q":"What is the median home value in Cedar County?","a":"The typical home value in Cedar County is about $201,712 (county-level, Census ACS & FHFA state HPI), up 3.8% year-over-year, and up 38.2% over five years."},{"q":"What is the median rent in Cedar County?","a":"The typical rent in Cedar County is about $962/mo (county-level, HUD 2-bedroom benchmark bridged from Census ACS gross rent), a current modeled estimate."},{"q":"Is it cheaper to rent or buy in Cedar County?","a":"Over a 7-year horizon, buying is cheaper in Cedar County — roughly $46,628 ahead of renting, with about $170,683 in equity built."},{"q":"Is Cedar County affordable for homebuyers?","a":"Cedar County's median home value is 4.2x the local median household income — Moderate (3–5x — tighter budgets)."},{"q":"What is the property tax rate in Cedar County?","a":"Cedar County's effective property tax rate is about 0.62% of home value (Census ACS county effective rate 0.62% ($1,044 tax ÷ $168,100 ACS median), applied to current value), which on a $201,712 median home is roughly $104/mo."}],"takeaways":["The median home value in Cedar County, MO was $201,712 as of April 2026, up 3.8% year over year (FHFA HPI applied to the Census ACS county median).","The typical market rent in Cedar County, MO was $962/mo as of November 2026, a current modeled estimate (HUD Fair Market Rent, FY2027, bridged from Census ACS gross rent).","Cedar County, MO has a price-to-rent ratio of 17.5 — a moderate reading where individual deals decide the outcome. (Computed by Areal from the figures above.)"],"citationSources":[{"name":"U.S. Census Bureau — ACS ACS 2024 5-year estimates","url":"https://www.census.gov/programs-surveys/acs/"},{"name":"FHFA House Price Index","url":"https://www.fhfa.gov/data/hpi"},{"name":"HUD Fair Market Rent","url":"https://www.huduser.gov/portal/datasets/fmr.html"},{"name":"FBI Crime Data Explorer","url":"https://cde.ucr.cjis.gov/"}],"jsonApi":{"function":"getCountyReport","query":"slug=cedar-mo","url":"https://areal.studio/functions/getCountyReport?slug=cedar-mo"},"assumptions":{"downPct":20,"ratePct":6.75,"years":7},"dataVintage":{"pulledAt":"2026-11-14T15:09:18.451Z","homeValueBasis":"FHFA state HPI (quarterly) × ACS county anchor","rentBasis":"HUD county FMR — flat current estimate (modeled, no public trend)","zhviThrough":null,"zoriThrough":null,"fhfaHpiThrough":"2026-04-01","hpiLevel":"state","hpiMetro":null,"acsVintage":"ACS 2024 5-year estimates","acsVintageMisses":[],"hudFy":"2027","safmrFy":null},"zipAnchors":{"homeValueTier":"county-fhfa-acs","rentTier":"county-acs-hud","zhvi":null,"zori":null,"safmr":null,"countyHomeEstimate":201712,"countyFmr":962,"countyRatio":null,"hpiLevel":"state","hpiMetro":null},"links":{"stateDir":"MO","stateName":"Missouri","cityPages":[],"zips":[]},"sources":["Census ACS 5-year","FHFA HPI","HUD Fair Market Rent","FBI CDE (state-level context)"]}