3,100+
Markets Analyzed
26
Data Sources
50+
Factors Scored
2.6x
Avg Top-10 PTI
Tazewell County, IL
Extreme affordability (PTI 2.14x) with strong cash flow and diversified manufacturing base.
Cash Flow
Appreciation
LadderScore12
Peoria, IL
Perfect 100 cash flow score. Medical and education employment anchors (OSF Healthcare, Bradley University).
Cash Flow
Appreciation
LadderScore12
Sangamon County, IL
State capital (Springfield) provides government employment stability and recession resilience.
Cash Flow
Appreciation
LadderScore12
Winnebago County, IL
Rockford metro — strong manufacturing, healthcare, and logistics hub on I-90 corridor.
Cash Flow
Appreciation
LadderScore12
Trumbull County, OH
Near-perfect cash flow (97/100). Youngstown area with ultra-low entry prices and strong rents.
Cash Flow
Appreciation
LadderScore12
Suffolk County, NY
Long Island suburbs — high population, low unemployment, strong rental demand from NYC commuters.
Cash Flow
Appreciation
LadderScore12
Taylor County, TX
Abilene metro — perfect cash flow, strong military presence (Dyess AFB), and ultra-low unemployment.
Cash Flow
Appreciation
LadderScore12
Onondaga County, NY
Syracuse metro — Micron's $100B chip fab is transforming this market. Massive job growth incoming.
Cash Flow
Appreciation
LadderScore12
Gloucester County, NJ
Philadelphia suburbs — affordable entry to a major metro with strong rent-to-price ratios.
Cash Flow
Appreciation
LadderScore12
Saginaw County, MI
Michigan's hidden gem — extreme affordability with diversified economy (GM, Dow, Covenant Health).
Cash Flow
Appreciation
LadderScore12
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Methodology
LadderScore is Capital Ladder's proprietary market rating system. It evaluates 3,100+ U.S. markets on a 0-100 scale using 50+ quantitative factors from 26 data sources including Zillow, Redfin, FHFA, Census Bureau, BLS, FEMA, HUD, IRS, EPA, and more. The algorithm was backtested against actual Zillow ZHVI appreciation data and optimized via coordinate descent to maximize rank correlation between predicted scores and realized 12-month returns. LadderScore3 (3-month) and LadderScore12 (12-month) forecasts use OLS regression models trained on historical outcomes. Rankings are updated weekly. This is not investment advice.