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✓ Zillow neighborhood rents ✓ HUD Fair Market Rents ✓ Live Census Bureau ACS housing data ✓ Live EIA electricity prices ✓ USDA food plan baselines ✓ Live BLS Consumer Price Index ✓ NOAA climate normals ✓ US Census commute data ✓ State & federal income tax ✓ NAIC insurance rates ✓ EPI childcare cost index ✓ Live city crime data

Step 1 of 2

Your household

Personalizes housing, grocery, insurance, and childcare estimates.

Home size

Rent or buy?

Bathrooms

Adults in household

Children

🏢 Commute setup

I work remotely in the target city — no commute needed

Work address — target city (optional, for exact distance)

Commute mode — target city

Driving commute details

Days per week in office: 5

Monthly parking cost (0 if free or included)

Add a separate commute for Adult 2 Leave unchecked if Adult 2 is remote or shares the same commute

Adult 2 works remotely in target city

Adult 2 work address — target city (optional)

Adult 2 commute mode — target city

Driving commute details

Days/wk in office: 5

Monthly parking

Spending breakdown

total

Location

🌤 Climate & Energy Impact

🏙️ Neighborhood Quality

🔒 Crime & Safety

Housing: Blended multi-source estimate. Static data: Zillow ZORI metro 1BR medians (2024), neighborhood multipliers from Zillow + RentCafé, HUD Fair Market Rents. Live API data: U.S. Census Bureau ACS 5-year median gross rent by ZIP code (table B25064 + B25031 by bedroom), HUD FMR API by ZIP (when token configured). Final estimate = 55% static multi-source avg + 45% live API data when available; falls back to static-only if APIs are unreachable. Bedroom multipliers: 1BR=1×, 2BR=1.45×, 3BR=1.85×.

Commute (driving): Average city commute distance from US Census ACSM data. Monthly fuel cost = (round-trip miles × working days) ÷ 28 MPG × state gas price (EIA 2024). Vehicle wear = miles × $0.27/mi. Oil change: ~$80 every 3,000 miles. Distance capped at 80 miles one-way to prevent cross-city errors.

Commute (transit): Monthly pass rates from official transit agency websites (2024). Single-ride costs used where monthly pass unavailable.

Income tax: Federal 2024 brackets with standard deductions (Single $14,600, MFJ $29,200, HOH $21,900). FICA: Social Security 6.2% (up to $168,600 cap) + Medicare 1.45%. State income tax uses simplified progressive rates. Local income taxes excluded.

Groceries: USDA Official Food Plans 2023 as baseline. Budget: $210/adult, Standard: $290/adult, Premium: $400/adult. Regional CPI index from BLS Consumer Expenditure Survey. Neighborhood premium where available.

Utilities: EIA Average Retail Electricity Price by State 2023. Climate adjustment: NOAA 30-year HDD/CDD normals (more heating/cooling days = higher bill). User's electricity usage tier applies ±20% modifier.

Childcare: State average for full-time infant/toddler center-based care from Economic Policy Institute 2023 Child Care Costs by the Numbers.

Insurance: Car insurance from NAIC Annual Auto Insurance Database Report 2022. Renters insurance from Insurance Information Institute state averages 2022.

Sales tax: Tax Foundation combined state + average local rates, 2024.

Confidence: ●●● High = neighborhood/ZIP match. ●●○ Medium = city/metro data. ●○○ Low = state average or national estimate.

See what life wouldreally cost there.

Your household

Your lifestyle

See what life would
really cost there.