Methodology
How We Build Financial Intelligence for Your Home
HomeScore combines public research, regional market data, and proprietary analysis to deliver forecasts you can plan around — not guesswork.
Our Data Foundation
Every forecast in HomeScore is grounded in verified data sources. We selectively combine public benchmarks with our own proprietary dataset to produce projections that reflect real-world conditions.
NAHB / Bank of America
Lifecycle and durability benchmarks for residential construction materials and systems
U.S. Department of Energy (DOE)
Energy efficiency standards, equipment ratings, and homeownership cost frameworks
Environmental Protection Agency (EPA)
Environmental guidelines for HVAC refrigerants, water systems, and building materials
Regional Permit & Market Data
Labor rates, material costs, and contractor pricing across 159 U.S. metropolitan markets
Proprietary Field Data
Continuously refined dataset from real-world system performance, failure patterns, and replacement timelines
Additional sources contribute to our models but remain proprietary to protect the integrity and exclusivity of HomeScore's analysis.
What We Analyze
HomeScore evaluates your home across three core dimensions. We share the categories — the specific weights, formulas, and calibration methods are proprietary.
Lifecycle Analysis
We model how every major home system ages — from installation through end-of-life — using industry benchmarks and proprietary performance data.
Cost Clustering
We identify when multiple systems are likely to need replacement in overlapping windows, revealing hidden financial exposure.
Reserve Modeling
We calculate recommended monthly and annual reserve targets calibrated to your home's specific risk profile and system ages.
What Makes It Different
HomeScore's core advantage is not just what data we use — it's how we structure and calibrate it. Our proprietary Lifecycle Model™ maps every system through five distinct financial stages, while the Replacement Curve™ defines age-based risk windows that generic calculators miss entirely.
The scoring weights, cost clustering algorithms, and risk calibration formulas behind these frameworks are proprietary and continuously refined. This is what separates HomeScore from static lifespan tables or one-size-fits-all estimates.
240+
Brands
52+
Systems
187
Markets
640+
Cost Models
Continuous Updates
Our dataset is not static. We continuously refine cost models, update regional pricing, and recalibrate risk windows as new data becomes available. When you use HomeScore, you're working with the most current version of our analysis.
Dataset current as of June 2026 · 640+ cost models across 187 U.S. markets
See It Applied to Your Home
Get a personalized Home Financial Health Report powered by this methodology.
Get Your ReportPractical home and market insights
Sent only when we've got something useful — repair timing, cost shifts, market signals worth knowing. No cadence promises.