{"area":{"county":"Hoonah-Angoon Census Area","state":"AK","stateName":"Alaska","slug":"hoonah-angoon-census-area-ak","metro":null},"homeValue":{"series":[{"date":"2021-04-01","value":230143},{"date":"2021-07-01","value":239977},{"date":"2021-10-01","value":246921},{"date":"2022-01-01","value":250331},{"date":"2022-04-01","value":257569},{"date":"2022-07-01","value":262800},{"date":"2022-10-01","value":260723},{"date":"2023-01-01","value":266132},{"date":"2023-04-01","value":268078},{"date":"2023-07-01","value":269992},{"date":"2023-10-01","value":277772},{"date":"2024-01-01","value":276191},{"date":"2024-04-01","value":282259},{"date":"2024-07-01","value":288816},{"date":"2024-10-01","value":288436},{"date":"2025-01-01","value":293388},{"date":"2025-04-01","value":291838},{"date":"2025-07-01","value":291660},{"date":"2025-10-01","value":301657},{"date":"2026-01-01","value":312390},{"date":"2026-04-01","value":316071}],"latest":316071,"yoy":8.303579383082395,"fiveYr":37.336786258978115,"sinceStart":307.84933610333303,"modeled":true},"rent":{"series":[{"date":"2026-11-01","value":1566}],"latest":1566,"yoy":null,"fiveYr":null,"sinceStart":null,"modeled":true},"census":{"medianIncome":61406,"population":2311,"povertyRate":14.248592464270246,"medianHomeValue":262800,"medianGrossRent":1014,"medianPropertyTax":1136},"hud":{"county":"Hoonah-Angoon Census Area","year":"2027","perUnit":1566,"bedrooms":2,"estimated":false,"baseBedrooms":2},"crime":{"scope":"state","state":"Alaska","period":"11-2024 to 10-2026","window":{"from":"11-2024","to":"10-2026","fellBack":false},"violentCrime":{"total":8111,"ratePer100k":547.9420590623578},"propertyCrime":{"total":20573,"ratePer100k":1389.8177759943146},"note":"State-level totals from the FBI CDE summarized offense endpoint."},"crimeVintage":{"from":"11-2024","to":"10-2026","fellBack":false},"priceToRentRatio":16.8,"ratioVerdict":"Borderline — at 16.8× 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":6.551887902741083,"rentCagr":3,"cashFlow":{"price":316071,"monthlyRent":1566,"grossRent":1566,"downPct":20,"ratePct":6.75,"units":1,"state":"AK","down":63214.200000000004,"loan":252856.8,"mortgagePI":1640.0243918432998,"monthlyTax":113.78555999999999,"taxRatePct":0.432,"taxRateSource":"Census ACS county effective rate 0.43% ($1,136 tax ÷ $262,800 ACS median), applied to current value","monthlyInsurance":136.9641,"insuranceRatePct":0.52,"insuranceBasis":"Insurance: state-level estimate (AK avg 0.52%/yr)","insuranceHighRisk":false,"vacancyPct":5,"vacancyLoss":78.30000000000001,"egi":1487.7,"mgmtPct":10,"monthlyMgmt":156.60000000000002,"maintenancePct":5,"monthlyMaint":78.30000000000001,"capexPct":5,"monthlyCapex":78.30000000000001,"hoaMonthly":0,"monthlyHoa":0,"operatingExpenses":563.94966,"noi":923.75034,"totalExpenses":2203.9740518433,"cashFlow":-716.2740518432997,"annualCf":-8595.288622119597,"cocReturn":-13.59708518358153,"capRate":3.507124690338563},"resilience":{"scenarios":[{"id":"rentDown","label":"Rent drops 10%","kind":"standard","detail":"Standard assumption","cashFlow":-833.7240518432998,"delta":-117,"survives":false},{"id":"vacancy","label":"Vacancy stretches to 8%","kind":"standard","detail":"Standard assumption","cashFlow":-763.2540518432997,"delta":-47,"survives":false},{"id":"insurance","label":"Insurance costs rise 25%","kind":"standard","detail":"Standard assumption","cashFlow":-750.5150768432998,"delta":-34,"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":-975.8783544718385,"delta":-260,"survives":false},{"id":"historyHome","label":"Worst market shock in available history (since 1991-01-01) (home values −5.3% 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, 2009-01-01 → 2010-01-01, applied to rent","cashFlow":-778.4550395257816,"delta":-62,"survives":false}],"survived":0,"total":5,"score":0,"worstCashFlow":-975.8783544718385,"baselineCashFlow":-716.2740518432997,"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":6.551887902741083,"rentCagr":3,"totalRentPaid":143992.9893021386,"totalCashOutlay":274094.82776769745,"insuranceBasis":"Insurance: state-level estimate (AK avg 0.52%/yr)","homeValueAfter":492847.6539674083,"equityBuilt":263285.35415273963,"netCostOfBuying":74023.67361495784,"buyingCheaper":true,"savings":69969.31568718076},"priceToIncome":{"ratio":5.147233169397127,"price":316071,"medianIncome":61406,"label":"Stretched (>5x — historically expensive vs local incomes)"},"countyTaxRatePct":0.432,"countyTaxSource":"Census ACS county effective rate 0.43% ($1,136 tax ÷ $262,800 ACS median), applied to current value","dataCheck":{"status":"crosscheck","checks":[{"metric":"home value (vintage update)","primary":316071,"secondary":262800,"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":1566,"secondary":1014,"primarySource":"HUD FMR (county)","secondarySource":"Census ACS (county gross rent)","ratio":1.54,"grade":"crosscheck","consistent":false,"hidePoint":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":262800,"high":316071}},"rent":{"label":"crosscheck","ratio":1.54,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":true,"range":{"low":1014,"high":1566}},"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 (227d 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 (13d 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 6.6%/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":227,"cadence":"quarterly","current":true},"rent":{"date":"2026-11-01","ageDays":13,"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":262800,"high":316071}},"rent":{"label":"crosscheck","ratio":1.54,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":true,"range":{"low":1014,"high":1566}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"verdict":"Hoonah-Angoon Census Area, AK is a moderate market — a 16.8x price-to-rent ratio is borderline, leaning renting; individual deals decide the outcome.","faqs":[{"q":"Is Hoonah-Angoon Census Area, AK a good rental market?","a":"Mixed. Hoonah-Angoon Census Area's 16.8x price-to-rent ratio is moderate; rentals can cash flow, but only on well-priced properties."},{"q":"What is the median home value in Hoonah-Angoon Census Area?","a":"The typical home value in Hoonah-Angoon Census Area is about $316,071 (county-level, Census ACS & FHFA state HPI), up 8.3% year-over-year, and up 37.3% over five years."},{"q":"What is the median rent in Hoonah-Angoon Census Area?","a":"The typical rent in Hoonah-Angoon Census Area is about $1,566/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 Hoonah-Angoon Census Area?","a":"Over a 7-year horizon, buying is cheaper in Hoonah-Angoon Census Area — roughly $69,969 ahead of renting, with about $263,285 in equity built."},{"q":"Is Hoonah-Angoon Census Area affordable for homebuyers?","a":"Hoonah-Angoon Census Area's median home value is 5.1x the local median household income — Stretched (>5x — historically expensive vs local incomes)."},{"q":"What is the property tax rate in Hoonah-Angoon Census Area?","a":"Hoonah-Angoon Census Area's effective property tax rate is about 0.43% of home value (Census ACS county effective rate 0.43% ($1,136 tax ÷ $262,800 ACS median), applied to current value), which on a $316,071 median home is roughly $114/mo."}],"takeaways":["The median home value in Hoonah-Angoon Census Area, AK was $316,071 as of April 2026, up 8.3% year over year (FHFA HPI applied to the Census ACS county median).","The typical market rent in Hoonah-Angoon Census Area, AK was $1,566/mo as of November 2026, a current modeled estimate (HUD Fair Market Rent, FY2027, bridged from Census ACS gross rent).","Hoonah-Angoon Census Area, AK has a price-to-rent ratio of 16.8 — 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=hoonah-angoon-census-area-ak","url":"https://areal.studio/functions/getCountyReport?slug=hoonah-angoon-census-area-ak"},"assumptions":{"downPct":20,"ratePct":6.75,"years":7},"dataVintage":{"pulledAt":"2026-11-14T11:39:22.418Z","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":316071,"countyFmr":1566,"countyRatio":null,"hpiLevel":"state","hpiMetro":null},"links":{"stateDir":"AK","stateName":"Alaska","cityPages":[],"zips":[]},"sources":["Census ACS 5-year","FHFA HPI","HUD Fair Market Rent","FBI CDE (state-level context)"]}