What It Measures
Assesses whether residents can realistically maintain housing over time across cost escalation, tax pressure, insurance overlap, and distress trends.
Framework Component 4
Ownership Sustainability
Ownership Sustainability evaluates long-term carrying viability for resident households beyond initial purchase access.
Long-run ownership strain can rise from tax, insurance, and recurring carrying costs even when headline prices appear manageable.
Interpretation
Higher scores indicate stronger long-term ownership viability.
Lower scores indicate elevated ongoing carrying-cost risk for residents.
Use trend direction to distinguish improving versus deteriorating ownership conditions.
Core Signals
Signal 1
Owner carrying-cost burden relative to local income levels.
Signal 2
Owner occupancy share and tenure durability context.
Signal 3
Expense escalation overlap across taxes, insurance, and maintenance pressure.
Signal 4
Distress-related pressure signals where available in standardized sources.
Questions This Component Answers
Question 1
Can households realistically maintain ownership long term?
Question 2
Are recurring carrying costs becoming structurally burdensome?
Question 3
How does local ownership viability compare with state and national peers?