LOCAL SIGNALS / HUMAN DECISIONS
Start with the county.
Understand the situation.
Explore county household income, debt burdens and delinquency alongside housing, employment and loan limits—with clearly labeled state credit and national equity context.
01 / FIND THE LOCAL CONTEXT
Loading county coverage…Choose the county directly; ZIP codes can cross county lines. Coverage and historical geography differ by source. Missing data stay unavailable.
Select a county
FIPS / —02 / BORROWER MARKET INTELLIGENCE
Earnings. Debt. Credit. Equity. Understand the local financial context before asking about an individual’s situation.
Aggregate populations, not a list of borrowers. Figures describe different groups and years. State and national context are labeled separately; they are never substituted for a missing county observation.
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Coverage, definitions and attribution
County credit measures come from Urban Institute’s August 2025 credit-bureau sample. Suppressed values remain unavailable; consumers without credit records are not represented. Household income uses 2023 or 2019–2023 ACS estimates in 2023 dollars. Connecticut uses historical county boundaries; availability differs between sources.
County debt-to-income ranges come from the Federal Reserve’s household-debt maps. These describe debt balances relative to annual income, not monthly mortgage underwriting DTI. BEA personal income per person includes wages and other income; it is not household earnings or qualifying income.
State median credit scores are historical VantageScores for credit-file residents. State net worth and emergency savings are modeled estimates, not observed borrower assets or home equity. Do not combine unrelated medians to estimate equity.
Urban Institute attribution: Breno Braga, Signe-Mary McKernan, Samantha Atherton, and Kassandra Martinchek, Debt in America, updated November 20, 2025. Mingli Zhong, Aaron R. Williams, Miranda Santillo, Noah Johnson, Signe-Mary McKernan, and Breno Braga, Financial Health and Wealth Dashboard 2025. Data reused under ODC-BY 1.0. BEA county income · Federal Reserve household debt · Federal Reserve household real-estate equity via FRED.
03 / THE LOCAL READOUT
CONTEXT, NOT A CREDIT SCORECounty house-price history
Inspect annual observations and methodology
| Year | Annual change | Native index |
|---|
FHFA developmental annual all-transactions index, not seasonally adjusted, using sales and appraisals for mortgages bought or guaranteed by Fannie Mae or Freddie Mac. Native index bases differ by county. The trend does not estimate a specific home’s value or equity.
04 / OPTIONAL BORROWER SCENARIO
Enter approximate or hypothetical figures. No names, addresses, credit files or account numbers. Scenario values stay in this page’s memory; they are not sent, saved or added to the URL. Reloading clears them.
Additional borrowing retains all existing liens. First-lien scenarios assume the proposed loan replaces every existing lien; adjust the loan amount for financed costs. Verify the actual lien structure separately.
05 / TURN THE CONTEXT INTO A CONVERSATION
LO conversation prompt
Explore the conversation flow →Executive discussion
Use local trends to ask better business questions. No county ranking, borrower targeting, eligibility prediction or approval recommendation is produced.
06 / SOURCES & NEXT RESEARCH
KNOW WHAT IS CONNECTED| Source | Included here | Period / limitation |
|---|---|---|
| FHFA county loan limits ↗ | 1–4 unit conforming loan limits | Calendar 2026. A size reference, not eligibility or lender availability. |
| FHFA county HPI ↗ | Annual price history where published | File updated March 31, 2026. Developmental / NSA. County periods may differ. |
| BLS county labor force ↗ | Latest available unemployment, labor force and employment | September 2026 preliminary / NSA where available. Not a measure of this borrower’s job stability. |
| Fannie Mae income reference ↗ | 2026 AMI range across published tracts within a county | Address-level results may differ. County income is not borrower qualifying income. |
Additional official checks
These links open external research tools; HMDA, ACS, flood, FHA, property records, insurance, listings and lender pricing are not integrated into the calculations. No information is prefilled or sent to those tools. Verify current program requirements and approved pricing separately.