{"area":{"county":"Crawford County","state":"KS","stateName":"Kansas","slug":"crawford-ks","metro":null},"homeValue":{"series":[{"date":"2021-04-01","value":117376},{"date":"2021-07-01","value":120807},{"date":"2021-10-01","value":123739},{"date":"2022-01-01","value":128460},{"date":"2022-04-01","value":132143},{"date":"2022-07-01","value":132600},{"date":"2022-10-01","value":134052},{"date":"2023-01-01","value":134780},{"date":"2023-04-01","value":138626},{"date":"2023-07-01","value":142363},{"date":"2023-10-01","value":144544},{"date":"2024-01-01","value":147603},{"date":"2024-04-01","value":148354},{"date":"2024-07-01","value":150275},{"date":"2024-10-01","value":152630},{"date":"2025-01-01","value":155167},{"date":"2025-04-01","value":155740},{"date":"2025-07-01","value":157169},{"date":"2025-10-01","value":158803},{"date":"2026-01-01","value":159853},{"date":"2026-04-01","value":160933}],"latest":160933,"yoy":3.3344034930011555,"fiveYr":37.10894901853871,"sinceStart":315.5468911381946,"modeled":true},"rent":{"series":[{"date":"2026-11-01","value":988}],"latest":988,"yoy":null,"fiveYr":null,"sinceStart":null,"modeled":true},"census":{"medianIncome":52844,"population":39008,"povertyRate":20.611791176706934,"medianHomeValue":132600,"medianGrossRent":849,"medianPropertyTax":1406},"hud":{"county":"Crawford County","year":"2027","perUnit":988,"bedrooms":2,"estimated":false,"baseBedrooms":2},"crime":{"scope":"state","state":"Kansas","period":"10-2024 to 09-2026","window":{"from":"10-2024","to":"09-2026","fellBack":false},"violentCrime":{"total":22775,"ratePer100k":382.4876898583242},"propertyCrime":{"total":92828,"ratePer100k":1558.971120709924},"note":"State-level totals from the FBI CDE summarized offense endpoint."},"crimeVintage":{"from":"10-2024","to":"09-2026","fellBack":false},"priceToRentRatio":13.6,"ratioVerdict":"Favorable for buying — price-to-rent favors owning (modeled investor cash flow is negative, so this is owner-occupant math — it is not a claim of strong rental yield)","priceCagr":6.516506356747831,"rentCagr":3,"cashFlow":{"price":160933,"monthlyRent":988,"grossRent":988,"downPct":20,"ratePct":6.75,"units":1,"state":"KS","down":32186.600000000002,"loan":128746.4,"mortgagePI":835.0466998001011,"monthlyTax":142.15748333333332,"taxRatePct":1.06,"taxRateSource":"Census ACS county effective rate 1.06% ($1,406 tax ÷ $132,600 ACS median), applied to current value","monthlyInsurance":104.60645000000001,"insuranceRatePct":0.78,"insuranceBasis":"Insurance: state-level estimate (KS avg 0.78%/yr)","insuranceHighRisk":true,"vacancyPct":5,"vacancyLoss":49.400000000000006,"egi":938.6,"mgmtPct":10,"monthlyMgmt":98.80000000000001,"maintenancePct":5,"monthlyMaint":49.400000000000006,"capexPct":5,"monthlyCapex":49.400000000000006,"hoaMonthly":0,"monthlyHoa":0,"operatingExpenses":444.3639333333333,"noi":494.2360666666667,"totalExpenses":1279.4106331334344,"cashFlow":-340.8106331334344,"annualCf":-4089.727597601213,"cocReturn":-12.706305100884258,"capRate":3.6852807068780176},"resilience":{"scenarios":[{"id":"rentDown","label":"Rent drops 10%","kind":"standard","detail":"Standard assumption","cashFlow":-414.91063313343454,"delta":-74,"survives":false},{"id":"vacancy","label":"Vacancy stretches to 8%","kind":"standard","detail":"Standard assumption","cashFlow":-370.4506331334344,"delta":-30,"survives":false},{"id":"insurance","label":"Insurance costs rise 25%","kind":"standard","detail":"Standard assumption","cashFlow":-366.96224563343446,"delta":-26,"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":-472.99264045115297,"delta":-132,"survives":false},{"id":"historyHome","label":"Worst market shock in available history (since 1991-01-01) (home values −5.1% 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":-378.40181568529204,"delta":-38,"survives":false}],"survived":0,"total":5,"score":0,"worstCashFlow":-472.99264045115297,"baselineCashFlow":-340.8106331334344,"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":6.516506356747831,"rentCagr":3,"totalRentPaid":90846.15161590862,"totalCashOutlay":145420.8163210104,"insuranceBasis":"Insurance: state-level estimate (KS avg 0.78%/yr)","homeValueAfter":250359.1693481579,"equityBuilt":133473.56580947805,"netCostOfBuying":44133.850511532364,"buyingCheaper":true,"savings":46712.30110437625},"priceToIncome":{"ratio":3.045435621830293,"price":160933,"medianIncome":52844,"label":"Moderate (3–5x — tighter budgets)"},"countyTaxRatePct":1.06,"countyTaxSource":"Census ACS county effective rate 1.06% ($1,406 tax ÷ $132,600 ACS median), applied to current value","dataCheck":{"status":"crosscheck","checks":[{"metric":"home value (vintage update)","primary":160933,"secondary":132600,"primarySource":"current estimate (ACS county median × FHFA state HPI growth)","secondarySource":"raw ACS 2023 county median (as measured ~2021)","ratio":1.21,"grade":"crosscheck","consistent":false,"hidePoint":false},{"metric":"HUD fair market rent","primary":988,"secondary":849,"primarySource":"HUD FMR (county)","secondarySource":"Census ACS (county gross rent)","ratio":1.16,"grade":"crosscheck","consistent":false,"hidePoint":false}],"confidence":{"homeValue":{"label":"crosscheck","ratio":1.21,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":132600,"high":160933}},"rent":{"label":"crosscheck","ratio":1.16,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":849,"high":988}},"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 6.5%/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":1.21,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":132600,"high":160933}},"rent":{"label":"crosscheck","ratio":1.16,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":849,"high":988}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"verdict":"Crawford County, KS leans favorable for buying: a price-to-rent ratio of 13.6 favors owning at the median, and modeled investor cash flow is negative, so this is owner-occupant math — not a claim of strong rental yield.","faqs":[{"q":"Is Crawford County, KS a good rental market?","a":"For owning at the median, yes — Crawford County's price-to-rent ratio of 13.6 is in the favorable range, but modeled investor cash flow is negative, so it is not a claim of strong rental yield."},{"q":"What is the median home value in Crawford County?","a":"The typical home value in Crawford County is about $160,933 (county-level, Census ACS & FHFA state HPI), up 3.3% year-over-year, and up 37.1% over five years."},{"q":"What is the median rent in Crawford County?","a":"The typical rent in Crawford County is about $988/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 Crawford County?","a":"Over a 7-year horizon, buying is cheaper in Crawford County — roughly $46,712 ahead of renting, with about $133,474 in equity built."},{"q":"Is Crawford County affordable for homebuyers?","a":"Crawford County's median home value is 3.0x the local median household income — Moderate (3–5x — tighter budgets)."},{"q":"What is the property tax rate in Crawford County?","a":"Crawford County's effective property tax rate is about 1.06% of home value (Census ACS county effective rate 1.06% ($1,406 tax ÷ $132,600 ACS median), applied to current value), which on a $160,933 median home is roughly $142/mo."}],"takeaways":["The median home value in Crawford County, KS was $160,933 as of April 2026, up 3.3% year over year (FHFA HPI applied to the Census ACS county median).","The typical market rent in Crawford County, KS was $988/mo as of November 2026, a current modeled estimate (HUD Fair Market Rent, FY2027, bridged from Census ACS gross rent).","Crawford County, KS has a price-to-rent ratio of 13.6 — a reading that favors owning (owner-occupant math — not automatically strong investor cash flow). (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=crawford-ks","url":"https://areal.studio/functions/getCountyReport?slug=crawford-ks"},"assumptions":{"downPct":20,"ratePct":6.75,"years":7},"dataVintage":{"pulledAt":"2026-11-15T11:15:30.685Z","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":160933,"countyFmr":988,"countyRatio":null,"hpiLevel":"state","hpiMetro":null},"links":{"stateDir":"KS","stateName":"Kansas","cityPages":[],"zips":[]},"sources":["Census ACS 5-year","FHFA HPI","HUD Fair Market Rent","FBI CDE (state-level context)"]}