@realvest/mcp-server/src/data/market-data.json

MCP server providing real estate investment calculators and resources for AI assistants

{
  "mortgage_rates": {
    "current": {
      "date": "2025-01-15",
      "rates": {
        "30_year_fixed": {
          "rate": 6.85,
          "apr": 6.92,
          "points": 0.6,
          "trend": "up",
          "change_from_last_week": 0.12
        },
        "15_year_fixed": {
          "rate": 6.02,
          "apr": 6.15,
          "points": 0.5,
          "trend": "up",
          "change_from_last_week": 0.08
        },
        "5_1_arm": {
          "rate": 5.95,
          "apr": 7.12,
          "points": 0.4,
          "trend": "stable",
          "change_from_last_week": 0.02
        },
        "fha_30_year": {
          "rate": 6.45,
          "apr": 7.21,
          "points": 0.5,
          "trend": "up",
          "change_from_last_week": 0.10
        },
        "va_30_year": {
          "rate": 6.25,
          "apr": 6.45,
          "points": 0.3,
          "trend": "up",
          "change_from_last_week": 0.08
        },
        "jumbo_30_year": {
          "rate": 7.15,
          "apr": 7.22,
          "points": 0.4,
          "trend": "up",
          "change_from_last_week": 0.15
        }
      }
    },
    "historical": {
      "one_year_ago": {
        "30_year_fixed": 6.35,
        "15_year_fixed": 5.52
      },
      "six_months_ago": {
        "30_year_fixed": 7.15,
        "15_year_fixed": 6.38
      },
      "peak_2023": {
        "date": "October 2023",
        "30_year_fixed": 7.79,
        "15_year_fixed": 7.03
      }
    },
    "forecast": {
      "q1_2025": {
        "30_year_fixed": "6.7-7.0%",
        "outlook": "Rates expected to remain elevated due to inflation concerns"
      },
      "q2_2025": {
        "30_year_fixed": "6.5-6.8%",
        "outlook": "Potential slight decrease if Fed signals rate cuts"
      }
    }
  },
  "home_prices": {
    "national": {
      "median_price": 412000,
      "year_over_year_change": 3.2,
      "month_over_month_change": -0.5,
      "price_per_sqft": 225,
      "inventory_months": 3.4
    },
    "top_markets": [
      {
        "metro": "Austin, TX",
        "median_price": 485000,
        "yoy_change": -2.1,
        "inventory_months": 4.2,
        "market_temp": "cooling"
      },
      {
        "metro": "Phoenix, AZ",
        "median_price": 445000,
        "yoy_change": 1.8,
        "inventory_months": 3.8,
        "market_temp": "balanced"
      },
      {
        "metro": "Miami, FL",
        "median_price": 595000,
        "yoy_change": 5.2,
        "inventory_months": 2.9,
        "market_temp": "hot"
      },
      {
        "metro": "Denver, CO",
        "median_price": 625000,
        "yoy_change": 2.5,
        "inventory_months": 2.2,
        "market_temp": "competitive"
      },
      {
        "metro": "Nashville, TN",
        "median_price": 425000,
        "yoy_change": 3.8,
        "inventory_months": 3.1,
        "market_temp": "balanced"
      }
    ]
  },
  "rental_market": {
    "national_average_rent": 1895,
    "year_over_year_change": 2.8,
    "vacancy_rate": 6.2,
    "rent_to_price_ratio": 0.0046,
    "top_rental_markets": [
      {
        "city": "Columbus, OH",
        "average_rent": 1425,
        "yoy_change": 4.2,
        "vacancy_rate": 5.1
      },
      {
        "city": "Kansas City, MO",
        "average_rent": 1355,
        "yoy_change": 3.8,
        "vacancy_rate": 5.8
      },
      {
        "city": "Charlotte, NC",
        "average_rent": 1685,
        "yoy_change": 3.2,
        "vacancy_rate": 6.5
      }
    ]
  },
  "investor_metrics": {
    "cap_rates": {
      "national_average": 5.8,
      "class_a": 4.5,
      "class_b": 5.8,
      "class_c": 7.2
    },
    "cash_on_cash_returns": {
      "sfr_average": 7.2,
      "small_multifamily": 8.5,
      "large_multifamily": 6.8
    },
    "market_sentiment": {
      "institutional_activity": "moderate",
      "first_time_investor_share": 18.5,
      "cash_buyer_percentage": 28.2
    }
  },
  "economic_indicators": {
    "inflation_rate": 3.4,
    "unemployment_rate": 3.9,
    "gdp_growth": 2.8,
    "consumer_confidence": 104.7,
    "fed_funds_rate": 4.75
  },
  "market_trends": [
    {
      "trend": "Mortgage Rate Lock-ins",
      "description": "70% of mortgages have rates below 5%, limiting inventory"
    },
    {
      "trend": "Build-to-Rent Growth",
      "description": "BTR sector expanding 15% annually as affordability challenges persist"
    },
    {
      "trend": "Climate Migration",
      "description": "Insurance costs driving migration from FL, CA to midwest markets"
    },
    {
      "trend": "Remote Work Stabilization",
      "description": "Hybrid work models creating sustained demand in secondary cities"
    }
  ],
  "sources": [
    "Freddie Mac Primary Mortgage Market Survey",
    "NAR Existing Home Sales Report",
    "Case-Shiller Home Price Index",
    "RealPage Market Analytics",
    "Federal Reserve Economic Data"
  ],
  "last_updated": "2025-01-15T12:00:00Z"
}