{ "schema_version": "1.0", "model_id": "CLC-v5.9-global-detail-1", "reviewed_at": "2026-09-24", "scope": "Cumulative deep-detail provenance ledger: V5.7 Canada + V5.8 U.S. + V5.9 London/Singapore/Tokyo tranches. Core six-field records remain in the original derivation ledger.", "records": [ { "city": "Toronto", "metric": "housing.3br_nonprime", "label": "Three-bedroom non-prime", "unit": "money", "published_value": { "low": 3270.0, "mode": 3270.0, "high": 3270.0, "currency": "CAD" }, "basis": "Average asking rent for an apartment with three or more bedrooms in the city CMA, 2026-Q2.", "derivation_method": "Direct table observation; no city adjustment or competitor input.", "source_refs": [ "toronto_statcan_rent_2026q2" ], "source_evidence": [ { "source_id": "toronto_statcan_rent_2026q2", "city": "Toronto", "role": "rent_detail", "publisher": "Statistics Canada", "title": "Quarterly rent statistics by unit type and census metropolitan area", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=4610009201", "observation_period": "2026-Q2", "retrieved_at": "2026-09-24", "geography": "Toronto, Census metropolitan area (CMA)", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_rent_statistics", "upstream_dataset": "Quarterly rent statistics by unit type and census metropolitan area", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average paid and asking rents for selected apartment and house unit types in the city CMA.", "observation_values": [ { "metric": "House - 3 or more bedrooms — Average asking rent", "value": 3630.0, "unit": "CAD/month", "period": "2026-Q2" }, { "metric": "Apartment - 1 bedroom — Average asking rent", "value": 2090.0, "unit": "CAD/month", "period": "2026-Q2" }, { "metric": "Apartment - 1 bedroom — Average paid rent", "value": 1840.0, "unit": "CAD/month", "period": "2026-Q2" }, { "metric": "Apartment - 3 or more bedrooms — Average asking rent", "value": 3270.0, "unit": "CAD/month", "period": "2026-Q2" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Toronto", "metric": "housing.mortgage_rate", "label": "Mortgage interest-rate reference", "unit": "percent", "published_value": { "low": 6.09, "mode": 6.09, "high": 6.09, "display_unit": "%" }, "basis": "Bank of Canada conventional five-year posted rate on 2026-09-23.", "derivation_method": "Direct national reference rate; not a personalized effective mortgage rate.", "source_refs": [ "toronto_bank_canada_mortgage_2026" ], "source_evidence": [ { "source_id": "toronto_bank_canada_mortgage_2026", "city": "Toronto", "role": "mortgage_rate", "publisher": "Bank of Canada", "title": "Posted interest rates offered by chartered banks", "url": "https://www.bankofcanada.ca/rates/banking-and-financial-statistics/posted-interest-rates-offered-by-chartered-banks/", "observation_period": "2026-09-23", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "bank_of_canada", "upstream_dataset": "Posted interest rates offered by chartered banks", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Conventional five-year posted mortgage rate; a reference rate, not a personalized offer or effective borrowing cost.", "observation_values": [ { "metric": "conventional mortgage — 5 year", "value": 6.09, "unit": "percent" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Toronto", "metric": "housing.move_in_costs", "label": "Rental move-in cost rules", "unit": "text", "published_value": { "display": "If a rent deposit is agreed, Ontario limits it to one rental period and it is applied to the last rental period. Key deposits must be refundable and limited to expected replacement cost." }, "basis": "Provincial residential-tenancy rule; moving services, furnishings and utility connection charges are excluded.", "derivation_method": "Directly summarized from the cited official rule or program page; no numeric imputation.", "source_refs": [ "toronto_move_in_rules_2026" ], "source_evidence": [ { "source_id": "toronto_move_in_rules_2026", "city": "Toronto", "role": "move_in_costs", "publisher": "Government of Ontario", "title": "Guide to Ontario's standard lease", "url": "https://www.ontario.ca/page/guide-ontarios-standard-lease", "observation_period": "current at 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Ontario", "source_type": "official", "geography_match": "province_law", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "toronto_tenancy_rules", "upstream_dataset": "Guide to Ontario's standard lease", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Official residential-tenancy rule used to describe the permitted upfront rent/deposit exposure.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "Toronto", "metric": "utilities.energy_water", "label": "Energy/water for baseline dwelling", "unit": "money", "published_value": { "low": 144.17, "mode": 144.17, "high": 144.17, "display_unit": "/month", "currency": "CAD" }, "basis": "Canada-wide average annual expenditure for one-person households in 2023: Water, fuel and electricity for principal accommodation; divided by 12.", "derivation_method": "Annual official household expenditure divided by 12. National proxy; includes zero-spend households and is not a provider quote.", "source_refs": [ "toronto_statcan_shs_2023" ], "source_evidence": [ { "source_id": "toronto_statcan_shs_2023", "city": "Toronto", "role": "one_person_spending", "publisher": "Statistics Canada", "title": "Survey of Household Spending by household type", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110022401", "observation_period": "2023", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "statistics_canada_household_spending", "upstream_dataset": "Survey of Household Spending by household type", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average annual expenditures for one-person households, divided by 12 for monthly reference values. These are national spending exposures, not city market quotes.", "observation_values": [ { "metric": "Water, fuel and electricity for principal accommodation", "value": 144.17, "unit": "CAD/month" }, { "metric": "Cell phone and pager services", "value": 68.83, "unit": "CAD/month" }, { "metric": "Internet access services", "value": 70.42, "unit": "CAD/month" }, { "metric": "Prescribed medicines and pharmaceutical products", "value": 28.58, "unit": "CAD/month" }, { "metric": "Private health insurance plan premiums", "value": 30.58, "unit": "CAD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Toronto", "metric": "utilities.internet", "label": "Residential broadband", "unit": "money", "published_value": { "low": 70.42, "mode": 70.42, "high": 70.42, "display_unit": "/month", "currency": "CAD" }, "basis": "Canada-wide average annual expenditure for one-person households in 2023: Internet access services; divided by 12.", "derivation_method": "Annual official household expenditure divided by 12. National proxy; includes zero-spend households and is not a provider quote.", "source_refs": [ "toronto_statcan_shs_2023" ], "source_evidence": [ { "source_id": "toronto_statcan_shs_2023", "city": "Toronto", "role": "one_person_spending", "publisher": "Statistics Canada", "title": "Survey of Household Spending by household type", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110022401", "observation_period": "2023", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "statistics_canada_household_spending", "upstream_dataset": "Survey of Household Spending by household type", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average annual expenditures for one-person households, divided by 12 for monthly reference values. These are national spending exposures, not city market quotes.", "observation_values": [ { "metric": "Water, fuel and electricity for principal accommodation", "value": 144.17, "unit": "CAD/month" }, { "metric": "Cell phone and pager services", "value": 68.83, "unit": "CAD/month" }, { "metric": "Internet access services", "value": 70.42, "unit": "CAD/month" }, { "metric": "Prescribed medicines and pharmaceutical products", "value": 28.58, "unit": "CAD/month" }, { "metric": "Private health insurance plan premiums", "value": 30.58, "unit": "CAD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Toronto", "metric": "utilities.mobile", "label": "Mid-tier mobile plan", "unit": "money", "published_value": { "low": 68.83, "mode": 68.83, "high": 68.83, "display_unit": "/month", "currency": "CAD" }, "basis": "Canada-wide average annual expenditure for one-person households in 2023: Cell phone and pager services; divided by 12.", "derivation_method": "Annual official household expenditure divided by 12. National proxy; includes zero-spend households and is not a provider quote.", "source_refs": [ "toronto_statcan_shs_2023" ], "source_evidence": [ { "source_id": "toronto_statcan_shs_2023", "city": "Toronto", "role": "one_person_spending", "publisher": "Statistics Canada", "title": "Survey of Household Spending by household type", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110022401", "observation_period": "2023", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "statistics_canada_household_spending", "upstream_dataset": "Survey of Household Spending by household type", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average annual expenditures for one-person households, divided by 12 for monthly reference values. These are national spending exposures, not city market quotes.", "observation_values": [ { "metric": "Water, fuel and electricity for principal accommodation", "value": 144.17, "unit": "CAD/month" }, { "metric": "Cell phone and pager services", "value": 68.83, "unit": "CAD/month" }, { "metric": "Internet access services", "value": 70.42, "unit": "CAD/month" }, { "metric": "Prescribed medicines and pharmaceutical products", "value": 28.58, "unit": "CAD/month" }, { "metric": "Private health insurance plan premiums", "value": 30.58, "unit": "CAD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Toronto", "metric": "food.milk_1l", "label": "Milk 1 L", "unit": "money", "published_value": { "low": 3.96, "mode": 3.97, "high": 3.97, "currency": "CAD" }, "basis": "Three latest monthly Ontario retail-price observations for Milk, 1 litre. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "toronto_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "toronto_statcan_retail_2026m07", "city": "Toronto", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Ontario", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.96, "median": 3.97, "high": 3.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.39, "median": 2.41, "high": 2.42, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.52, "median": 4.62, "high": 4.68, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.0, "median": 5.0, "high": 5.0, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 14.01, "median": 14.14, "high": 14.26, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 16.15, "median": 16.17, "high": 16.63, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 28.03, "median": 28.47, "high": 28.73, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.98, "median": 6.14, "high": 6.33, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 4.71, "median": 4.82, "high": 6.8, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Toronto", "metric": "food.bread_500g", "label": "Bread 500 g", "unit": "money", "published_value": { "low": 2.39, "mode": 2.41, "high": 2.42, "currency": "CAD" }, "basis": "Three latest monthly Ontario retail-price observations for White bread, 675 grams. Converted from the source package with factor 0.740741.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "toronto_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "toronto_statcan_retail_2026m07", "city": "Toronto", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Ontario", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.96, "median": 3.97, "high": 3.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.39, "median": 2.41, "high": 2.42, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.52, "median": 4.62, "high": 4.68, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.0, "median": 5.0, "high": 5.0, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 14.01, "median": 14.14, "high": 14.26, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 16.15, "median": 16.17, "high": 16.63, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 28.03, "median": 28.47, "high": 28.73, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.98, "median": 6.14, "high": 6.33, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 4.71, "median": 4.82, "high": 6.8, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Toronto", "metric": "food.rice_1kg", "label": "Rice/grains 1 kg", "unit": "money", "published_value": { "low": 4.52, "mode": 4.62, "high": 4.68, "currency": "CAD" }, "basis": "Three latest monthly Ontario retail-price observations for White rice, 2 kilograms. Converted from the source package with factor 0.500000.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "toronto_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "toronto_statcan_retail_2026m07", "city": "Toronto", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Ontario", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.96, "median": 3.97, "high": 3.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.39, "median": 2.41, "high": 2.42, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.52, "median": 4.62, "high": 4.68, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.0, "median": 5.0, "high": 5.0, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 14.01, "median": 14.14, "high": 14.26, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 16.15, "median": 16.17, "high": 16.63, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 28.03, "median": 28.47, "high": 28.73, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.98, "median": 6.14, "high": 6.33, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 4.71, "median": 4.82, "high": 6.8, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Toronto", "metric": "food.eggs_12", "label": "Eggs 12", "unit": "money", "published_value": { "low": 5.0, "mode": 5.0, "high": 5.0, "currency": "CAD" }, "basis": "Three latest monthly Ontario retail-price observations for Eggs, 1 dozen. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "toronto_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "toronto_statcan_retail_2026m07", "city": "Toronto", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Ontario", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.96, "median": 3.97, "high": 3.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.39, "median": 2.41, "high": 2.42, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.52, "median": 4.62, "high": 4.68, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.0, "median": 5.0, "high": 5.0, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 14.01, "median": 14.14, "high": 14.26, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 16.15, "median": 16.17, "high": 16.63, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 28.03, "median": 28.47, "high": 28.73, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.98, "median": 6.14, "high": 6.33, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 4.71, "median": 4.82, "high": 6.8, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Toronto", "metric": "food.chicken_1kg", "label": "Chicken 1 kg", "unit": "money", "published_value": { "low": 14.01, "mode": 14.14, "high": 14.26, "currency": "CAD" }, "basis": "Three latest monthly Ontario retail-price observations for Chicken breasts, per kilogram. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "toronto_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "toronto_statcan_retail_2026m07", "city": "Toronto", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Ontario", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.96, "median": 3.97, "high": 3.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.39, "median": 2.41, "high": 2.42, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.52, "median": 4.62, "high": 4.68, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.0, "median": 5.0, "high": 5.0, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 14.01, "median": 14.14, "high": 14.26, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 16.15, "median": 16.17, "high": 16.63, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 28.03, "median": 28.47, "high": 28.73, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.98, "median": 6.14, "high": 6.33, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 4.71, "median": 4.82, "high": 6.8, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Toronto", "metric": "food.red_meat_1kg", "label": "Red-meat equivalent 1 kg", "unit": "money", "published_value": { "low": 16.15, "mode": 16.17, "high": 16.63, "currency": "CAD" }, "basis": "Three latest monthly Ontario retail-price observations for Ground beef, per kilogram. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "toronto_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "toronto_statcan_retail_2026m07", "city": "Toronto", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Ontario", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.96, "median": 3.97, "high": 3.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.39, "median": 2.41, "high": 2.42, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.52, "median": 4.62, "high": 4.68, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.0, "median": 5.0, "high": 5.0, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 14.01, "median": 14.14, "high": 14.26, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 16.15, "median": 16.17, "high": 16.63, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 28.03, "median": 28.47, "high": 28.73, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.98, "median": 6.14, "high": 6.33, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 4.71, "median": 4.82, "high": 6.8, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Toronto", "metric": "food.fish_1kg", "label": "Fish 1 kg", "unit": "money", "published_value": { "low": 28.03, "mode": 28.47, "high": 28.73, "currency": "CAD" }, "basis": "Three latest monthly Ontario retail-price observations for Salmon, per kilogram. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "toronto_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "toronto_statcan_retail_2026m07", "city": "Toronto", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Ontario", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.96, "median": 3.97, "high": 3.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.39, "median": 2.41, "high": 2.42, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.52, "median": 4.62, "high": 4.68, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.0, "median": 5.0, "high": 5.0, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 14.01, "median": 14.14, "high": 14.26, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 16.15, "median": 16.17, "high": 16.63, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 28.03, "median": 28.47, "high": 28.73, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.98, "median": 6.14, "high": 6.33, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 4.71, "median": 4.82, "high": 6.8, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Toronto", "metric": "food.fruit_1kg", "label": "Representative fruit 1 kg", "unit": "money", "published_value": { "low": 5.98, "mode": 6.14, "high": 6.33, "currency": "CAD" }, "basis": "Three latest monthly Ontario retail-price observations for Apples, per kilogram. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "toronto_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "toronto_statcan_retail_2026m07", "city": "Toronto", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Ontario", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.96, "median": 3.97, "high": 3.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.39, "median": 2.41, "high": 2.42, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.52, "median": 4.62, "high": 4.68, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.0, "median": 5.0, "high": 5.0, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 14.01, "median": 14.14, "high": 14.26, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 16.15, "median": 16.17, "high": 16.63, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 28.03, "median": 28.47, "high": 28.73, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.98, "median": 6.14, "high": 6.33, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 4.71, "median": 4.82, "high": 6.8, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Toronto", "metric": "food.vegetables_1kg", "label": "Representative vegetables 1 kg", "unit": "money", "published_value": { "low": 4.71, "mode": 4.82, "high": 6.8, "currency": "CAD" }, "basis": "Three latest monthly Ontario retail-price observations for Tomatoes, per kilogram. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "toronto_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "toronto_statcan_retail_2026m07", "city": "Toronto", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Ontario", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.96, "median": 3.97, "high": 3.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.39, "median": 2.41, "high": 2.42, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.52, "median": 4.62, "high": 4.68, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.0, "median": 5.0, "high": 5.0, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 14.01, "median": 14.14, "high": 14.26, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 16.15, "median": 16.17, "high": 16.63, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 28.03, "median": 28.47, "high": 28.73, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.98, "median": 6.14, "high": 6.33, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 4.71, "median": 4.82, "high": 6.8, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Toronto", "metric": "transport.single_fare", "label": "Single adult fare", "unit": "money", "published_value": { "low": 3.3, "mode": 3.3, "high": 3.35, "currency": "CAD" }, "basis": "Adult PRESTO/contactless fare; cash fare is the upper observation.", "derivation_method": "Direct current official-operator fare observations; the range reflects payment method where applicable.", "source_refs": [ "toronto_transit" ], "source_evidence": [ { "source_id": "toronto_transit", "city": "Toronto", "role": "transit", "publisher": "Toronto Transit Commission", "title": "Fares and passes", "url": "https://www.ttc.ca/Fares-and-passes", "observation_period": "effective 2026-07/09", "retrieved_at": "2026-09-24", "geography": "Toronto", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "toronto_transit_commission", "upstream_dataset": "Monthly fare capping", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Monthly fare capping — used as transit evidence for Toronto. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [ { "metric": "adult single fare", "low": 3.3, "mode": 3.3, "high": 3.35, "unit": "CAD/trip", "period": "2026" }, { "metric": "adult monthly fare cap", "value": 155.1, "unit": "CAD/month", "period": "effective 2026-08-31" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Toronto", "metric": "transport.gasoline_litre", "label": "Gasoline per litre", "unit": "money", "published_value": { "low": 1.65, "mode": 1.7, "high": 1.73, "display_unit": "/L", "currency": "CAD" }, "basis": "Three latest monthly city observations for regular unleaded gasoline at self-service stations.", "derivation_method": "Source cents per litre divided by 100; low/median/high cover June–August 2026.", "source_refs": [ "toronto_statcan_gas_2026m08" ], "source_evidence": [ { "source_id": "toronto_statcan_gas_2026m08", "city": "Toronto", "role": "gasoline", "publisher": "Statistics Canada", "title": "Monthly average retail prices for food and other selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810000101", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "Toronto, Ontario", "source_type": "official", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_gasoline_prices", "upstream_dataset": "Monthly average retail prices for food and other selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three latest monthly city observations for regular unleaded self-service gasoline.", "observation_values": [ { "metric": "regular self-service gasoline", "low": 1.65, "median": 1.7, "high": 1.73, "unit": "CAD/litre" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Toronto", "metric": "health.public_system", "label": "Public healthcare baseline/eligibility", "unit": "text", "published_value": { "display": "Eligible Ontario residents can apply for OHIP. Medically necessary physician and hospital services are covered; eligibility and exclusions apply." }, "basis": "Official provincial coverage and eligibility page; verify personal eligibility before relying on coverage.", "derivation_method": "Directly summarized from the cited official rule or program page; no numeric imputation.", "source_refs": [ "toronto_public_health_2026" ], "source_evidence": [ { "source_id": "toronto_public_health_2026", "city": "Toronto", "role": "health_system", "publisher": "Government of Ontario", "title": "Apply for OHIP and get a health card", "url": "https://www.ontario.ca/page/apply-ohip-and-get-health-card", "observation_period": "accessed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Ontario", "source_type": "official", "geography_match": "province", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "toronto_provincial_health", "upstream_dataset": "Apply for OHIP and get a health card", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Official public-plan coverage and eligibility context.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "Toronto", "metric": "health.prescriptions", "label": "Prescription exposure", "unit": "money", "published_value": { "low": 28.58, "mode": 28.58, "high": 28.58, "display_unit": "/month", "currency": "CAD" }, "basis": "Canada-wide average annual expenditure for one-person households in 2023: Prescribed medicines and pharmaceutical products; divided by 12.", "derivation_method": "Annual official household expenditure divided by 12. National proxy; includes zero-spend households and is not a provider quote.", "source_refs": [ "toronto_statcan_shs_2023" ], "source_evidence": [ { "source_id": "toronto_statcan_shs_2023", "city": "Toronto", "role": "one_person_spending", "publisher": "Statistics Canada", "title": "Survey of Household Spending by household type", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110022401", "observation_period": "2023", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "statistics_canada_household_spending", "upstream_dataset": "Survey of Household Spending by household type", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average annual expenditures for one-person households, divided by 12 for monthly reference values. These are national spending exposures, not city market quotes.", "observation_values": [ { "metric": "Water, fuel and electricity for principal accommodation", "value": 144.17, "unit": "CAD/month" }, { "metric": "Cell phone and pager services", "value": 68.83, "unit": "CAD/month" }, { "metric": "Internet access services", "value": 70.42, "unit": "CAD/month" }, { "metric": "Prescribed medicines and pharmaceutical products", "value": 28.58, "unit": "CAD/month" }, { "metric": "Private health insurance plan premiums", "value": 30.58, "unit": "CAD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Toronto", "metric": "health.private_cover", "label": "Supplemental/private coverage", "unit": "money", "published_value": { "low": 30.58, "mode": 30.58, "high": 30.58, "display_unit": "/month", "currency": "CAD" }, "basis": "Canada-wide average annual expenditure for one-person households in 2023: Private health insurance plan premiums; divided by 12.", "derivation_method": "Annual official household expenditure divided by 12. National proxy; includes zero-spend households and is not a provider quote.", "source_refs": [ "toronto_statcan_shs_2023" ], "source_evidence": [ { "source_id": "toronto_statcan_shs_2023", "city": "Toronto", "role": "one_person_spending", "publisher": "Statistics Canada", "title": "Survey of Household Spending by household type", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110022401", "observation_period": "2023", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "statistics_canada_household_spending", "upstream_dataset": "Survey of Household Spending by household type", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average annual expenditures for one-person households, divided by 12 for monthly reference values. These are national spending exposures, not city market quotes.", "observation_values": [ { "metric": "Water, fuel and electricity for principal accommodation", "value": 144.17, "unit": "CAD/month" }, { "metric": "Cell phone and pager services", "value": 68.83, "unit": "CAD/month" }, { "metric": "Internet access services", "value": 70.42, "unit": "CAD/month" }, { "metric": "Prescribed medicines and pharmaceutical products", "value": 28.58, "unit": "CAD/month" }, { "metric": "Private health insurance plan premiums", "value": 30.58, "unit": "CAD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Toronto", "metric": "family.childcare", "label": "Childcare/daycare", "unit": "money", "published_value": { "low": 22.0, "mode": 22.0, "high": 22.0, "display_unit": "/day", "currency": "CAD" }, "basis": "Maximum daily parent fee at participating CWELCC programs; space and eligibility are not guaranteed.", "derivation_method": "Direct published program fee/cap. This is not an unrestricted-market average and does not imply space availability.", "source_refs": [ "toronto_childcare_2026" ], "source_evidence": [ { "source_id": "toronto_childcare_2026", "city": "Toronto", "role": "childcare", "publisher": "City of Toronto", "title": "Canada-Wide Early Learning and Child Care (CWELCC) System", "url": "https://www.toronto.ca/community-people/community-partners/early-learning-child-care-partners/canada-wide-early-learning-child-care-agreement-cwelcc/", "observation_period": "2026", "retrieved_at": "2026-09-24", "geography": "Ontario", "source_type": "official", "geography_match": "province_program", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "toronto_childcare_program", "upstream_dataset": "Canada-Wide Early Learning and Child Care (CWELCC) System", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Maximum daily parent fee at participating CWELCC programs; space and eligibility are not guaranteed.", "observation_values": [ { "metric": "subsidized/participating program daily fee reference", "value": 22.0, "unit": "CAD/day" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Toronto", "metric": "income.earnings", "label": "Official earnings benchmark", "unit": "money", "published_value": { "low": 5183.33, "mode": 5183.33, "high": 5183.33, "display_unit": "/month gross", "currency": "CAD" }, "basis": "Median wages, salaries and commissions excluding zeros, age 25–54, total gender, city geography, 2024; monthly gross equivalent.", "derivation_method": "Official annual median divided by 12; no tax or benefit adjustment.", "source_refs": [ "toronto_statcan_income_2024" ], "source_evidence": [ { "source_id": "toronto_statcan_income_2024", "city": "Toronto", "role": "earnings", "publisher": "Statistics Canada", "title": "Income of individuals by age group, sex and geography", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110023901", "observation_period": "2024 income year; 2024 constant dollars", "retrieved_at": "2026-09-24", "geography": "Toronto, Ontario", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_income", "upstream_dataset": "Income of individuals by age group, sex and geography", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Median wages, salaries and commissions excluding zeros for people aged 25–54; converted from annual to monthly gross without a tax adjustment.", "observation_values": [ { "metric": "median wages, salaries and commissions", "value": 62200.0, "unit": "CAD/year gross", "monthly_equivalent": 5183.33 } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Toronto", "metric": "income.core_cost_share", "label": "Core cost divided by earnings", "unit": "percent", "published_value": { "low": 75.0, "mode": 75.0, "high": 75.0, "display_unit": "% of gross" }, "basis": "CLC six-component one-person model midpoint divided by the official monthly gross earnings benchmark.", "derivation_method": "3890.00 / 5183.33 × 100. This is a gross-income planning ratio, not a disposable-income burden measure.", "source_refs": [ "toronto_statcan_income_2024", "toronto_rent", "toronto_household", "toronto_transit" ], "source_evidence": [ { "source_id": "toronto_statcan_income_2024", "city": "Toronto", "role": "earnings", "publisher": "Statistics Canada", "title": "Income of individuals by age group, sex and geography", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110023901", "observation_period": "2024 income year; 2024 constant dollars", "retrieved_at": "2026-09-24", "geography": "Toronto, Ontario", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_income", "upstream_dataset": "Income of individuals by age group, sex and geography", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Median wages, salaries and commissions excluding zeros for people aged 25–54; converted from annual to monthly gross without a tax adjustment.", "observation_values": [ { "metric": "median wages, salaries and commissions", "value": 62200.0, "unit": "CAD/year gross", "monthly_equivalent": 5183.33 } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "toronto_rent", "city": "Toronto", "role": "rent", "publisher": "City of Toronto / CMHC", "title": "2026 market rent information", "url": "https://www.toronto.ca/services-payments/permits-licences-bylaws/renovictions-bylaw-development/information-for-tenants/", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "Toronto", "source_type": "official", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "city_of_toronto_cmhc", "upstream_dataset": "2026 market rent information", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "2026 market rent information — used as rent evidence for Toronto. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "toronto_household", "city": "Toronto", "role": "household", "publisher": "Statistics Canada", "title": "Survey of Household Spending, 2023 updated release", "url": "https://www150.statcan.gc.ca/n1/daily-quotidien/260918/dq260918a-eng.htm", "observation_period": "2023; weights updated 2026-09", "retrieved_at": "2026-09-23", "geography": "Canada / Ontario and household-type tables", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada", "upstream_dataset": "Survey of Household Spending, 2023 updated release", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Survey of Household Spending, 2023 updated release — used as household evidence for Toronto. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "toronto_transit", "city": "Toronto", "role": "transit", "publisher": "Toronto Transit Commission", "title": "Fares and passes", "url": "https://www.ttc.ca/Fares-and-passes", "observation_period": "effective 2026-07/09", "retrieved_at": "2026-09-24", "geography": "Toronto", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "toronto_transit_commission", "upstream_dataset": "Monthly fare capping", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Monthly fare capping — used as transit evidence for Toronto. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [ { "metric": "adult single fare", "low": 3.3, "mode": 3.3, "high": 3.35, "unit": "CAD/trip", "period": "2026" }, { "metric": "adult monthly fare cap", "value": 155.1, "unit": "CAD/month", "period": "effective 2026-08-31" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Toronto", "metric": "income.after_core", "label": "Income remaining after core spend", "unit": "money", "published_value": { "low": 1293.33, "mode": 1293.33, "high": 1293.33, "display_unit": "/month before tax", "currency": "CAD" }, "basis": "Official monthly gross earnings benchmark minus the CLC six-component model midpoint.", "derivation_method": "5183.33 − 3890.00. Taxes, payroll deductions, savings and excluded categories have not been deducted.", "source_refs": [ "toronto_statcan_income_2024", "toronto_rent", "toronto_household", "toronto_transit" ], "source_evidence": [ { "source_id": "toronto_statcan_income_2024", "city": "Toronto", "role": "earnings", "publisher": "Statistics Canada", "title": "Income of individuals by age group, sex and geography", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110023901", "observation_period": "2024 income year; 2024 constant dollars", "retrieved_at": "2026-09-24", "geography": "Toronto, Ontario", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_income", "upstream_dataset": "Income of individuals by age group, sex and geography", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Median wages, salaries and commissions excluding zeros for people aged 25–54; converted from annual to monthly gross without a tax adjustment.", "observation_values": [ { "metric": "median wages, salaries and commissions", "value": 62200.0, "unit": "CAD/year gross", "monthly_equivalent": 5183.33 } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "toronto_rent", "city": "Toronto", "role": "rent", "publisher": "City of Toronto / CMHC", "title": "2026 market rent information", "url": "https://www.toronto.ca/services-payments/permits-licences-bylaws/renovictions-bylaw-development/information-for-tenants/", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "Toronto", "source_type": "official", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "city_of_toronto_cmhc", "upstream_dataset": "2026 market rent information", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "2026 market rent information — used as rent evidence for Toronto. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "toronto_household", "city": "Toronto", "role": "household", "publisher": "Statistics Canada", "title": "Survey of Household Spending, 2023 updated release", "url": "https://www150.statcan.gc.ca/n1/daily-quotidien/260918/dq260918a-eng.htm", "observation_period": "2023; weights updated 2026-09", "retrieved_at": "2026-09-23", "geography": "Canada / Ontario and household-type tables", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada", "upstream_dataset": "Survey of Household Spending, 2023 updated release", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Survey of Household Spending, 2023 updated release — used as household evidence for Toronto. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "toronto_transit", "city": "Toronto", "role": "transit", "publisher": "Toronto Transit Commission", "title": "Fares and passes", "url": "https://www.ttc.ca/Fares-and-passes", "observation_period": "effective 2026-07/09", "retrieved_at": "2026-09-24", "geography": "Toronto", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "toronto_transit_commission", "upstream_dataset": "Monthly fare capping", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Monthly fare capping — used as transit evidence for Toronto. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [ { "metric": "adult single fare", "low": 3.3, "mode": 3.3, "high": 3.35, "unit": "CAD/trip", "period": "2026" }, { "metric": "adult monthly fare cap", "value": 155.1, "unit": "CAD/month", "period": "effective 2026-08-31" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Toronto", "metric": "tax.context", "label": "Tax structure", "unit": "text", "published_value": { "display": "2026 marginal personal income tax uses federal brackets of 14%–33% plus Ontario brackets of 5.05%–13.16%. Credits, Ontario surtax and payroll contributions affect the effective rate." }, "basis": "2026 official marginal personal income tax brackets; not a tax estimate for a particular person.", "derivation_method": "Directly summarized from the cited official rule or program page; no numeric imputation.", "source_refs": [ "toronto_tax_2026" ], "source_evidence": [ { "source_id": "toronto_tax_2026", "city": "Toronto", "role": "tax_context", "publisher": "Canada Revenue Agency", "title": "Current year tax rates and income brackets (2026)", "url": "https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html", "observation_period": "2026 tax year", "retrieved_at": "2026-09-24", "geography": "Canada / province of residence", "source_type": "official", "geography_match": "province", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "canada_revenue_agency", "upstream_dataset": "Current year tax rates and income brackets (2026)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Official marginal personal income tax brackets; effective tax depends on credits, deductions, payroll contributions and individual circumstances.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "Toronto", "metric": "context.safety", "label": "Official crime/safety context", "unit": "number", "published_value": { "low": 55.0, "mode": 55.0, "high": 55.0, "display_unit": " CSI" }, "basis": "2025 police-reported Crime Severity Index for the city CMA; 2006 Canada=100 and lower is less severe.", "derivation_method": "Direct official table observation. Enforcement, reporting and jurisdiction differences limit causal interpretation.", "source_refs": [ "toronto_crime_csi_2025" ], "source_evidence": [ { "source_id": "toronto_crime_csi_2025", "city": "Toronto", "role": "safety_context", "publisher": "Statistics Canada", "title": "Police-reported Crime Severity Index and crime rate by CMA, 2025", "url": "https://www150.statcan.gc.ca/n1/daily-quotidien/260722/t004a-eng.htm", "observation_period": "2025", "retrieved_at": "2026-09-24", "geography": "Toronto census metropolitan area", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_crime", "upstream_dataset": "Police-reported Crime Severity Index and crime rate by CMA, 2025", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Police-reported Crime Severity Index. Lower is less severe; reporting and enforcement differences affect comparisons.", "observation_values": [ { "metric": "Crime Severity Index", "value": 55.0, "unit": "index; 2006 Canada=100" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Toronto", "metric": "context.climate", "label": "Climate normals", "unit": "text", "published_value": { "display": "1991–2020 daily-average normals: January -3.5°C; July 22.5°C; annual 9.7°C (Toronto (City))." }, "basis": "Environment and Climate Change Canada 1991–2020 composite-station climate normals.", "derivation_method": "Directly summarized from the cited official rule or program page; no numeric imputation.", "source_refs": [ "toronto_climate_normals_1991_2020" ], "source_evidence": [ { "source_id": "toronto_climate_normals_1991_2020", "city": "Toronto", "role": "climate", "publisher": "Environment and Climate Change Canada", "title": "Canadian Climate Normals 1991–2020 — Toronto (City)", "url": "https://climate.weather.gc.ca/climate_normals/results_1991_2020_e.html?climate_id=6158350&dispBack=0", "observation_period": "1991–2020 climate normals", "retrieved_at": "2026-09-24", "geography": "Toronto (City)", "source_type": "official", "geography_match": "city_station", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "environment_canada_climate_normals", "upstream_dataset": "Canadian Climate Normals 1991–2020 — Toronto (City)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Daily-average temperature normals for January, July and the annual period.", "observation_values": [ { "metric": "January daily average", "value": -3.5, "unit": "°C" }, { "metric": "July daily average", "value": 22.5, "unit": "°C" }, { "metric": "Annual daily average", "value": 9.7, "unit": "°C" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Vancouver", "metric": "housing.3br_nonprime", "label": "Three-bedroom non-prime", "unit": "money", "published_value": { "low": 4150.0, "mode": 4150.0, "high": 4150.0, "currency": "CAD" }, "basis": "Average asking rent for an apartment with three or more bedrooms in the city CMA, 2026-Q2.", "derivation_method": "Direct table observation; no city adjustment or competitor input.", "source_refs": [ "vancouver_statcan_rent_2026q2" ], "source_evidence": [ { "source_id": "vancouver_statcan_rent_2026q2", "city": "Vancouver", "role": "rent_detail", "publisher": "Statistics Canada", "title": "Quarterly rent statistics by unit type and census metropolitan area", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=4610009201", "observation_period": "2026-Q2", "retrieved_at": "2026-09-24", "geography": "Vancouver, Census metropolitan area (CMA)", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_rent_statistics", "upstream_dataset": "Quarterly rent statistics by unit type and census metropolitan area", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average paid and asking rents for selected apartment and house unit types in the city CMA.", "observation_values": [ { "metric": "House - 3 or more bedrooms — Average asking rent", "value": 4950.0, "unit": "CAD/month", "period": "2026-Q2" }, { "metric": "Apartment - 1 bedroom — Average asking rent", "value": 2280.0, "unit": "CAD/month", "period": "2026-Q2" }, { "metric": "Apartment - 1 bedroom — Average paid rent", "value": 1890.0, "unit": "CAD/month", "period": "2026-Q2" }, { "metric": "Apartment - 3 or more bedrooms — Average asking rent", "value": 4150.0, "unit": "CAD/month", "period": "2026-Q2" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Vancouver", "metric": "housing.mortgage_rate", "label": "Mortgage interest-rate reference", "unit": "percent", "published_value": { "low": 6.09, "mode": 6.09, "high": 6.09, "display_unit": "%" }, "basis": "Bank of Canada conventional five-year posted rate on 2026-09-23.", "derivation_method": "Direct national reference rate; not a personalized effective mortgage rate.", "source_refs": [ "vancouver_bank_canada_mortgage_2026" ], "source_evidence": [ { "source_id": "vancouver_bank_canada_mortgage_2026", "city": "Vancouver", "role": "mortgage_rate", "publisher": "Bank of Canada", "title": "Posted interest rates offered by chartered banks", "url": "https://www.bankofcanada.ca/rates/banking-and-financial-statistics/posted-interest-rates-offered-by-chartered-banks/", "observation_period": "2026-09-23", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "bank_of_canada", "upstream_dataset": "Posted interest rates offered by chartered banks", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Conventional five-year posted mortgage rate; a reference rate, not a personalized offer or effective borrowing cost.", "observation_values": [ { "metric": "conventional mortgage — 5 year", "value": 6.09, "unit": "percent" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Vancouver", "metric": "housing.move_in_costs", "label": "Rental move-in cost rules", "unit": "text", "published_value": { "display": "A landlord may charge up to one-half month's rent as a security deposit. A separate pet damage deposit, when permitted, may also be up to one-half month's rent." }, "basis": "Provincial residential-tenancy rule; moving services, furnishings and utility connection charges are excluded.", "derivation_method": "Directly summarized from the cited official rule or program page; no numeric imputation.", "source_refs": [ "vancouver_move_in_rules_2026" ], "source_evidence": [ { "source_id": "vancouver_move_in_rules_2026", "city": "Vancouver", "role": "move_in_costs", "publisher": "Province of British Columbia", "title": "Tenancy deposits and fees", "url": "https://www2.gov.bc.ca/gov/content/housing-tenancy/residential-tenancies/starting-a-tenancy/deposits-fees", "observation_period": "current at 2026-09-24", "retrieved_at": "2026-09-24", "geography": "British Columbia", "source_type": "official", "geography_match": "province_law", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "vancouver_tenancy_rules", "upstream_dataset": "Tenancy deposits and fees", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Official residential-tenancy rule used to describe the permitted upfront rent/deposit exposure.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "Vancouver", "metric": "utilities.energy_water", "label": "Energy/water for baseline dwelling", "unit": "money", "published_value": { "low": 144.17, "mode": 144.17, "high": 144.17, "display_unit": "/month", "currency": "CAD" }, "basis": "Canada-wide average annual expenditure for one-person households in 2023: Water, fuel and electricity for principal accommodation; divided by 12.", "derivation_method": "Annual official household expenditure divided by 12. National proxy; includes zero-spend households and is not a provider quote.", "source_refs": [ "vancouver_statcan_shs_2023" ], "source_evidence": [ { "source_id": "vancouver_statcan_shs_2023", "city": "Vancouver", "role": "one_person_spending", "publisher": "Statistics Canada", "title": "Survey of Household Spending by household type", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110022401", "observation_period": "2023", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "statistics_canada_household_spending", "upstream_dataset": "Survey of Household Spending by household type", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average annual expenditures for one-person households, divided by 12 for monthly reference values. These are national spending exposures, not city market quotes.", "observation_values": [ { "metric": "Water, fuel and electricity for principal accommodation", "value": 144.17, "unit": "CAD/month" }, { "metric": "Cell phone and pager services", "value": 68.83, "unit": "CAD/month" }, { "metric": "Internet access services", "value": 70.42, "unit": "CAD/month" }, { "metric": "Prescribed medicines and pharmaceutical products", "value": 28.58, "unit": "CAD/month" }, { "metric": "Private health insurance plan premiums", "value": 30.58, "unit": "CAD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Vancouver", "metric": "utilities.internet", "label": "Residential broadband", "unit": "money", "published_value": { "low": 70.42, "mode": 70.42, "high": 70.42, "display_unit": "/month", "currency": "CAD" }, "basis": "Canada-wide average annual expenditure for one-person households in 2023: Internet access services; divided by 12.", "derivation_method": "Annual official household expenditure divided by 12. National proxy; includes zero-spend households and is not a provider quote.", "source_refs": [ "vancouver_statcan_shs_2023" ], "source_evidence": [ { "source_id": "vancouver_statcan_shs_2023", "city": "Vancouver", "role": "one_person_spending", "publisher": "Statistics Canada", "title": "Survey of Household Spending by household type", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110022401", "observation_period": "2023", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "statistics_canada_household_spending", "upstream_dataset": "Survey of Household Spending by household type", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average annual expenditures for one-person households, divided by 12 for monthly reference values. These are national spending exposures, not city market quotes.", "observation_values": [ { "metric": "Water, fuel and electricity for principal accommodation", "value": 144.17, "unit": "CAD/month" }, { "metric": "Cell phone and pager services", "value": 68.83, "unit": "CAD/month" }, { "metric": "Internet access services", "value": 70.42, "unit": "CAD/month" }, { "metric": "Prescribed medicines and pharmaceutical products", "value": 28.58, "unit": "CAD/month" }, { "metric": "Private health insurance plan premiums", "value": 30.58, "unit": "CAD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Vancouver", "metric": "utilities.mobile", "label": "Mid-tier mobile plan", "unit": "money", "published_value": { "low": 68.83, "mode": 68.83, "high": 68.83, "display_unit": "/month", "currency": "CAD" }, "basis": "Canada-wide average annual expenditure for one-person households in 2023: Cell phone and pager services; divided by 12.", "derivation_method": "Annual official household expenditure divided by 12. National proxy; includes zero-spend households and is not a provider quote.", "source_refs": [ "vancouver_statcan_shs_2023" ], "source_evidence": [ { "source_id": "vancouver_statcan_shs_2023", "city": "Vancouver", "role": "one_person_spending", "publisher": "Statistics Canada", "title": "Survey of Household Spending by household type", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110022401", "observation_period": "2023", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "statistics_canada_household_spending", "upstream_dataset": "Survey of Household Spending by household type", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average annual expenditures for one-person households, divided by 12 for monthly reference values. These are national spending exposures, not city market quotes.", "observation_values": [ { "metric": "Water, fuel and electricity for principal accommodation", "value": 144.17, "unit": "CAD/month" }, { "metric": "Cell phone and pager services", "value": 68.83, "unit": "CAD/month" }, { "metric": "Internet access services", "value": 70.42, "unit": "CAD/month" }, { "metric": "Prescribed medicines and pharmaceutical products", "value": 28.58, "unit": "CAD/month" }, { "metric": "Private health insurance plan premiums", "value": 30.58, "unit": "CAD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Vancouver", "metric": "food.milk_1l", "label": "Milk 1 L", "unit": "money", "published_value": { "low": 3.17, "mode": 3.18, "high": 3.18, "currency": "CAD" }, "basis": "Three latest monthly British Columbia retail-price observations for Milk, 1 litre. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "vancouver_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "vancouver_statcan_retail_2026m07", "city": "Vancouver", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "British Columbia", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.17, "median": 3.18, "high": 3.18, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.83, "median": 2.99, "high": 3.09, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.33, "median": 4.45, "high": 4.46, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.63, "median": 5.69, "high": 5.75, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 17.3, "median": 17.34, "high": 17.72, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 17.41, "median": 17.81, "high": 18.39, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 33.82, "median": 34.5, "high": 34.71, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 6.62, "median": 6.71, "high": 6.87, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.01, "median": 5.07, "high": 6.47, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Vancouver", "metric": "food.bread_500g", "label": "Bread 500 g", "unit": "money", "published_value": { "low": 2.83, "mode": 2.99, "high": 3.09, "currency": "CAD" }, "basis": "Three latest monthly British Columbia retail-price observations for White bread, 675 grams. Converted from the source package with factor 0.740741.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "vancouver_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "vancouver_statcan_retail_2026m07", "city": "Vancouver", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "British Columbia", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.17, "median": 3.18, "high": 3.18, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.83, "median": 2.99, "high": 3.09, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.33, "median": 4.45, "high": 4.46, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.63, "median": 5.69, "high": 5.75, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 17.3, "median": 17.34, "high": 17.72, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 17.41, "median": 17.81, "high": 18.39, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 33.82, "median": 34.5, "high": 34.71, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 6.62, "median": 6.71, "high": 6.87, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.01, "median": 5.07, "high": 6.47, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Vancouver", "metric": "food.rice_1kg", "label": "Rice/grains 1 kg", "unit": "money", "published_value": { "low": 4.33, "mode": 4.45, "high": 4.46, "currency": "CAD" }, "basis": "Three latest monthly British Columbia retail-price observations for White rice, 2 kilograms. Converted from the source package with factor 0.500000.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "vancouver_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "vancouver_statcan_retail_2026m07", "city": "Vancouver", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "British Columbia", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.17, "median": 3.18, "high": 3.18, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.83, "median": 2.99, "high": 3.09, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.33, "median": 4.45, "high": 4.46, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.63, "median": 5.69, "high": 5.75, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 17.3, "median": 17.34, "high": 17.72, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 17.41, "median": 17.81, "high": 18.39, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 33.82, "median": 34.5, "high": 34.71, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 6.62, "median": 6.71, "high": 6.87, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.01, "median": 5.07, "high": 6.47, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Vancouver", "metric": "food.eggs_12", "label": "Eggs 12", "unit": "money", "published_value": { "low": 5.63, "mode": 5.69, "high": 5.75, "currency": "CAD" }, "basis": "Three latest monthly British Columbia retail-price observations for Eggs, 1 dozen. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "vancouver_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "vancouver_statcan_retail_2026m07", "city": "Vancouver", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "British Columbia", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.17, "median": 3.18, "high": 3.18, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.83, "median": 2.99, "high": 3.09, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.33, "median": 4.45, "high": 4.46, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.63, "median": 5.69, "high": 5.75, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 17.3, "median": 17.34, "high": 17.72, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 17.41, "median": 17.81, "high": 18.39, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 33.82, "median": 34.5, "high": 34.71, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 6.62, "median": 6.71, "high": 6.87, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.01, "median": 5.07, "high": 6.47, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Vancouver", "metric": "food.chicken_1kg", "label": "Chicken 1 kg", "unit": "money", "published_value": { "low": 17.3, "mode": 17.34, "high": 17.72, "currency": "CAD" }, "basis": "Three latest monthly British Columbia retail-price observations for Chicken breasts, per kilogram. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "vancouver_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "vancouver_statcan_retail_2026m07", "city": "Vancouver", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "British Columbia", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.17, "median": 3.18, "high": 3.18, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.83, "median": 2.99, "high": 3.09, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.33, "median": 4.45, "high": 4.46, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.63, "median": 5.69, "high": 5.75, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 17.3, "median": 17.34, "high": 17.72, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 17.41, "median": 17.81, "high": 18.39, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 33.82, "median": 34.5, "high": 34.71, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 6.62, "median": 6.71, "high": 6.87, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.01, "median": 5.07, "high": 6.47, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Vancouver", "metric": "food.red_meat_1kg", "label": "Red-meat equivalent 1 kg", "unit": "money", "published_value": { "low": 17.41, "mode": 17.81, "high": 18.39, "currency": "CAD" }, "basis": "Three latest monthly British Columbia retail-price observations for Ground beef, per kilogram. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "vancouver_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "vancouver_statcan_retail_2026m07", "city": "Vancouver", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "British Columbia", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.17, "median": 3.18, "high": 3.18, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.83, "median": 2.99, "high": 3.09, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.33, "median": 4.45, "high": 4.46, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.63, "median": 5.69, "high": 5.75, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 17.3, "median": 17.34, "high": 17.72, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 17.41, "median": 17.81, "high": 18.39, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 33.82, "median": 34.5, "high": 34.71, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 6.62, "median": 6.71, "high": 6.87, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.01, "median": 5.07, "high": 6.47, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Vancouver", "metric": "food.fish_1kg", "label": "Fish 1 kg", "unit": "money", "published_value": { "low": 33.82, "mode": 34.5, "high": 34.71, "currency": "CAD" }, "basis": "Three latest monthly British Columbia retail-price observations for Salmon, per kilogram. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "vancouver_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "vancouver_statcan_retail_2026m07", "city": "Vancouver", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "British Columbia", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.17, "median": 3.18, "high": 3.18, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.83, "median": 2.99, "high": 3.09, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.33, "median": 4.45, "high": 4.46, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.63, "median": 5.69, "high": 5.75, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 17.3, "median": 17.34, "high": 17.72, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 17.41, "median": 17.81, "high": 18.39, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 33.82, "median": 34.5, "high": 34.71, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 6.62, "median": 6.71, "high": 6.87, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.01, "median": 5.07, "high": 6.47, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Vancouver", "metric": "food.fruit_1kg", "label": "Representative fruit 1 kg", "unit": "money", "published_value": { "low": 6.62, "mode": 6.71, "high": 6.87, "currency": "CAD" }, "basis": "Three latest monthly British Columbia retail-price observations for Apples, per kilogram. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "vancouver_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "vancouver_statcan_retail_2026m07", "city": "Vancouver", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "British Columbia", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.17, "median": 3.18, "high": 3.18, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.83, "median": 2.99, "high": 3.09, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.33, "median": 4.45, "high": 4.46, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.63, "median": 5.69, "high": 5.75, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 17.3, "median": 17.34, "high": 17.72, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 17.41, "median": 17.81, "high": 18.39, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 33.82, "median": 34.5, "high": 34.71, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 6.62, "median": 6.71, "high": 6.87, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.01, "median": 5.07, "high": 6.47, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Vancouver", "metric": "food.vegetables_1kg", "label": "Representative vegetables 1 kg", "unit": "money", "published_value": { "low": 5.01, "mode": 5.07, "high": 6.47, "currency": "CAD" }, "basis": "Three latest monthly British Columbia retail-price observations for Tomatoes, per kilogram. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "vancouver_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "vancouver_statcan_retail_2026m07", "city": "Vancouver", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "British Columbia", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 3.17, "median": 3.18, "high": 3.18, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.83, "median": 2.99, "high": 3.09, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 4.33, "median": 4.45, "high": 4.46, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 5.63, "median": 5.69, "high": 5.75, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 17.3, "median": 17.34, "high": 17.72, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 17.41, "median": 17.81, "high": 18.39, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 33.82, "median": 34.5, "high": 34.71, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 6.62, "median": 6.71, "high": 6.87, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.01, "median": 5.07, "high": 6.47, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Vancouver", "metric": "transport.single_fare", "label": "Single adult fare", "unit": "money", "published_value": { "low": 2.85, "mode": 2.85, "high": 3.5, "currency": "CAD" }, "basis": "Adult one-zone Compass stored-value fare; cash/contactless fare is the upper observation.", "derivation_method": "Direct current official-operator fare observations; the range reflects payment method where applicable.", "source_refs": [ "vancouver_transit" ], "source_evidence": [ { "source_id": "vancouver_transit", "city": "Vancouver", "role": "transit", "publisher": "TransLink", "title": "Transit fares and fare zones", "url": "https://www.translink.ca/transit-fares/pricing-and-fare-zones", "observation_period": "effective 2026-07/09", "retrieved_at": "2026-09-24", "geography": "Metro Vancouver", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "vancouver_transit", "upstream_dataset": "Transit fares and fare zones", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "Current adult fare products used to calibrate a one-zone monthly transit benchmark.", "observation_values": [ { "metric": "adult single fare", "low": 2.85, "mode": 2.85, "high": 3.5, "unit": "CAD/trip", "period": "2026" }, { "metric": "adult one-zone monthly pass", "value": 117.2, "unit": "CAD/month", "period": "2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Vancouver", "metric": "transport.gasoline_litre", "label": "Gasoline per litre", "unit": "money", "published_value": { "low": 2.01, "mode": 2.02, "high": 2.07, "display_unit": "/L", "currency": "CAD" }, "basis": "Three latest monthly city observations for regular unleaded gasoline at self-service stations.", "derivation_method": "Source cents per litre divided by 100; low/median/high cover June–August 2026.", "source_refs": [ "vancouver_statcan_gas_2026m08" ], "source_evidence": [ { "source_id": "vancouver_statcan_gas_2026m08", "city": "Vancouver", "role": "gasoline", "publisher": "Statistics Canada", "title": "Monthly average retail prices for food and other selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810000101", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "Vancouver, British Columbia", "source_type": "official", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_gasoline_prices", "upstream_dataset": "Monthly average retail prices for food and other selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three latest monthly city observations for regular unleaded self-service gasoline.", "observation_values": [ { "metric": "regular self-service gasoline", "low": 2.01, "median": 2.02, "high": 2.07, "unit": "CAD/litre" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Vancouver", "metric": "health.public_system", "label": "Public healthcare baseline/eligibility", "unit": "text", "published_value": { "display": "MSP is mandatory for eligible B.C. residents and pays for medically required physician, surgeon and midwife services. Residents must enrol; exclusions apply." }, "basis": "Official provincial coverage and eligibility page; verify personal eligibility before relying on coverage.", "derivation_method": "Directly summarized from the cited official rule or program page; no numeric imputation.", "source_refs": [ "vancouver_public_health_2026" ], "source_evidence": [ { "source_id": "vancouver_public_health_2026", "city": "Vancouver", "role": "health_system", "publisher": "Province of British Columbia", "title": "Medical Services Plan (MSP) for B.C. residents", "url": "https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents", "observation_period": "accessed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "British Columbia", "source_type": "official", "geography_match": "province", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "vancouver_provincial_health", "upstream_dataset": "Medical Services Plan (MSP) for B.C. residents", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Official public-plan coverage and eligibility context.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "Vancouver", "metric": "health.prescriptions", "label": "Prescription exposure", "unit": "money", "published_value": { "low": 28.58, "mode": 28.58, "high": 28.58, "display_unit": "/month", "currency": "CAD" }, "basis": "Canada-wide average annual expenditure for one-person households in 2023: Prescribed medicines and pharmaceutical products; divided by 12.", "derivation_method": "Annual official household expenditure divided by 12. National proxy; includes zero-spend households and is not a provider quote.", "source_refs": [ "vancouver_statcan_shs_2023" ], "source_evidence": [ { "source_id": "vancouver_statcan_shs_2023", "city": "Vancouver", "role": "one_person_spending", "publisher": "Statistics Canada", "title": "Survey of Household Spending by household type", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110022401", "observation_period": "2023", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "statistics_canada_household_spending", "upstream_dataset": "Survey of Household Spending by household type", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average annual expenditures for one-person households, divided by 12 for monthly reference values. These are national spending exposures, not city market quotes.", "observation_values": [ { "metric": "Water, fuel and electricity for principal accommodation", "value": 144.17, "unit": "CAD/month" }, { "metric": "Cell phone and pager services", "value": 68.83, "unit": "CAD/month" }, { "metric": "Internet access services", "value": 70.42, "unit": "CAD/month" }, { "metric": "Prescribed medicines and pharmaceutical products", "value": 28.58, "unit": "CAD/month" }, { "metric": "Private health insurance plan premiums", "value": 30.58, "unit": "CAD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Vancouver", "metric": "health.private_cover", "label": "Supplemental/private coverage", "unit": "money", "published_value": { "low": 30.58, "mode": 30.58, "high": 30.58, "display_unit": "/month", "currency": "CAD" }, "basis": "Canada-wide average annual expenditure for one-person households in 2023: Private health insurance plan premiums; divided by 12.", "derivation_method": "Annual official household expenditure divided by 12. National proxy; includes zero-spend households and is not a provider quote.", "source_refs": [ "vancouver_statcan_shs_2023" ], "source_evidence": [ { "source_id": "vancouver_statcan_shs_2023", "city": "Vancouver", "role": "one_person_spending", "publisher": "Statistics Canada", "title": "Survey of Household Spending by household type", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110022401", "observation_period": "2023", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "statistics_canada_household_spending", "upstream_dataset": "Survey of Household Spending by household type", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average annual expenditures for one-person households, divided by 12 for monthly reference values. These are national spending exposures, not city market quotes.", "observation_values": [ { "metric": "Water, fuel and electricity for principal accommodation", "value": 144.17, "unit": "CAD/month" }, { "metric": "Cell phone and pager services", "value": 68.83, "unit": "CAD/month" }, { "metric": "Internet access services", "value": 70.42, "unit": "CAD/month" }, { "metric": "Prescribed medicines and pharmaceutical products", "value": 28.58, "unit": "CAD/month" }, { "metric": "Private health insurance plan premiums", "value": 30.58, "unit": "CAD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Vancouver", "metric": "family.childcare", "label": "Childcare/daycare", "unit": "money", "published_value": { "low": 10.0, "mode": 10.0, "high": 10.0, "display_unit": "/day", "currency": "CAD" }, "basis": "$10-a-day program reference at participating ChildCareBC centres; space is limited and not universal.", "derivation_method": "Direct published program fee/cap. This is not an unrestricted-market average and does not imply space availability.", "source_refs": [ "vancouver_childcare_2026" ], "source_evidence": [ { "source_id": "vancouver_childcare_2026", "city": "Vancouver", "role": "childcare", "publisher": "Province of British Columbia", "title": "$10 a Day ChildCareBC centres", "url": "https://www2.gov.bc.ca/gov/content/family-social-supports/caring-for-young-children/childcarebc-programs/10-a-day-childcarebc-centres", "observation_period": "2026", "retrieved_at": "2026-09-24", "geography": "British Columbia", "source_type": "official", "geography_match": "province_program", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "vancouver_childcare_program", "upstream_dataset": "$10 a Day ChildCareBC centres", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "$10-a-day program reference at participating ChildCareBC centres; space is limited and not universal.", "observation_values": [ { "metric": "subsidized/participating program daily fee reference", "value": 10.0, "unit": "CAD/day" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Vancouver", "metric": "income.earnings", "label": "Official earnings benchmark", "unit": "money", "published_value": { "low": 5000.0, "mode": 5000.0, "high": 5000.0, "display_unit": "/month gross", "currency": "CAD" }, "basis": "Median wages, salaries and commissions excluding zeros, age 25–54, total gender, city geography, 2024; monthly gross equivalent.", "derivation_method": "Official annual median divided by 12; no tax or benefit adjustment.", "source_refs": [ "vancouver_statcan_income_2024" ], "source_evidence": [ { "source_id": "vancouver_statcan_income_2024", "city": "Vancouver", "role": "earnings", "publisher": "Statistics Canada", "title": "Income of individuals by age group, sex and geography", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110023901", "observation_period": "2024 income year; 2024 constant dollars", "retrieved_at": "2026-09-24", "geography": "Vancouver, British Columbia", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_income", "upstream_dataset": "Income of individuals by age group, sex and geography", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Median wages, salaries and commissions excluding zeros for people aged 25–54; converted from annual to monthly gross without a tax adjustment.", "observation_values": [ { "metric": "median wages, salaries and commissions", "value": 60000.0, "unit": "CAD/year gross", "monthly_equivalent": 5000.0 } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Vancouver", "metric": "income.core_cost_share", "label": "Core cost divided by earnings", "unit": "percent", "published_value": { "low": 74.6, "mode": 74.6, "high": 74.6, "display_unit": "% of gross" }, "basis": "CLC six-component one-person model midpoint divided by the official monthly gross earnings benchmark.", "derivation_method": "3730.00 / 5000.00 × 100. This is a gross-income planning ratio, not a disposable-income burden measure.", "source_refs": [ "vancouver_statcan_income_2024", "vancouver_rent", "vancouver_household", "vancouver_transit" ], "source_evidence": [ { "source_id": "vancouver_statcan_income_2024", "city": "Vancouver", "role": "earnings", "publisher": "Statistics Canada", "title": "Income of individuals by age group, sex and geography", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110023901", "observation_period": "2024 income year; 2024 constant dollars", "retrieved_at": "2026-09-24", "geography": "Vancouver, British Columbia", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_income", "upstream_dataset": "Income of individuals by age group, sex and geography", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Median wages, salaries and commissions excluding zeros for people aged 25–54; converted from annual to monthly gross without a tax adjustment.", "observation_values": [ { "metric": "median wages, salaries and commissions", "value": 60000.0, "unit": "CAD/year gross", "monthly_equivalent": 5000.0 } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "vancouver_rent", "city": "Vancouver", "role": "rent", "publisher": "Statistics Canada", "title": "Quarterly asking rent statistics", "url": "https://www150.statcan.gc.ca/n1/en/catalogue/4610009201", "observation_period": "2025-Q4 / 2026-Q2", "retrieved_at": "2026-09-23", "geography": "Vancouver CMA", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "vancouver_rent", "upstream_dataset": "Quarterly asking rent statistics", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "Official asking-rent series provides current Vancouver rental-market calibration for apartment size bands.", "observation_values": [ { "metric": "1-bedroom asking rent reference", "value": 2320, "unit": "CAD/month", "period": "2025-Q4" }, { "metric": "2-bedroom asking rent reference", "value": 3030, "unit": "CAD/month", "period": "2026-Q2" } ], "evidence_extraction_status": "SOURCE_VALUES_OR_METADATA_REVIEWED" }, { "source_id": "vancouver_household", "city": "Vancouver", "role": "household", "publisher": "Statistics Canada", "title": "Survey of Household Spending, 2023 — updated weights", "url": "https://www150.statcan.gc.ca/n1/daily-quotidien/260918/dq260918a-eng.htm", "observation_period": "2023; weights updated 2026-09", "retrieved_at": "2026-09-23", "geography": "Canada / British Columbia and household-type tables", "source_type": "official", "geography_match": "province_and_household_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "vancouver_household", "upstream_dataset": "Survey of Household Spending, 2023 — updated weights", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "Updated 2023 SHS supports Canadian one-person and provincial consumption calibration; used for non-rent components.", "observation_values": [ { "metric": "Canadian average household spending", "value": 76750, "unit": "CAD/year", "period": "2023" } ], "evidence_extraction_status": "SOURCE_VALUES_OR_METADATA_REVIEWED" }, { "source_id": "vancouver_transit", "city": "Vancouver", "role": "transit", "publisher": "TransLink", "title": "Transit fares and fare zones", "url": "https://www.translink.ca/transit-fares/pricing-and-fare-zones", "observation_period": "effective 2026-07/09", "retrieved_at": "2026-09-24", "geography": "Metro Vancouver", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "vancouver_transit", "upstream_dataset": "Transit fares and fare zones", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "Current adult fare products used to calibrate a one-zone monthly transit benchmark.", "observation_values": [ { "metric": "adult single fare", "low": 2.85, "mode": 2.85, "high": 3.5, "unit": "CAD/trip", "period": "2026" }, { "metric": "adult one-zone monthly pass", "value": 117.2, "unit": "CAD/month", "period": "2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Vancouver", "metric": "income.after_core", "label": "Income remaining after core spend", "unit": "money", "published_value": { "low": 1270.0, "mode": 1270.0, "high": 1270.0, "display_unit": "/month before tax", "currency": "CAD" }, "basis": "Official monthly gross earnings benchmark minus the CLC six-component model midpoint.", "derivation_method": "5000.00 − 3730.00. Taxes, payroll deductions, savings and excluded categories have not been deducted.", "source_refs": [ "vancouver_statcan_income_2024", "vancouver_rent", "vancouver_household", "vancouver_transit" ], "source_evidence": [ { "source_id": "vancouver_statcan_income_2024", "city": "Vancouver", "role": "earnings", "publisher": "Statistics Canada", "title": "Income of individuals by age group, sex and geography", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110023901", "observation_period": "2024 income year; 2024 constant dollars", "retrieved_at": "2026-09-24", "geography": "Vancouver, British Columbia", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_income", "upstream_dataset": "Income of individuals by age group, sex and geography", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Median wages, salaries and commissions excluding zeros for people aged 25–54; converted from annual to monthly gross without a tax adjustment.", "observation_values": [ { "metric": "median wages, salaries and commissions", "value": 60000.0, "unit": "CAD/year gross", "monthly_equivalent": 5000.0 } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "vancouver_rent", "city": "Vancouver", "role": "rent", "publisher": "Statistics Canada", "title": "Quarterly asking rent statistics", "url": "https://www150.statcan.gc.ca/n1/en/catalogue/4610009201", "observation_period": "2025-Q4 / 2026-Q2", "retrieved_at": "2026-09-23", "geography": "Vancouver CMA", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "vancouver_rent", "upstream_dataset": "Quarterly asking rent statistics", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "Official asking-rent series provides current Vancouver rental-market calibration for apartment size bands.", "observation_values": [ { "metric": "1-bedroom asking rent reference", "value": 2320, "unit": "CAD/month", "period": "2025-Q4" }, { "metric": "2-bedroom asking rent reference", "value": 3030, "unit": "CAD/month", "period": "2026-Q2" } ], "evidence_extraction_status": "SOURCE_VALUES_OR_METADATA_REVIEWED" }, { "source_id": "vancouver_household", "city": "Vancouver", "role": "household", "publisher": "Statistics Canada", "title": "Survey of Household Spending, 2023 — updated weights", "url": "https://www150.statcan.gc.ca/n1/daily-quotidien/260918/dq260918a-eng.htm", "observation_period": "2023; weights updated 2026-09", "retrieved_at": "2026-09-23", "geography": "Canada / British Columbia and household-type tables", "source_type": "official", "geography_match": "province_and_household_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "vancouver_household", "upstream_dataset": "Survey of Household Spending, 2023 — updated weights", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "Updated 2023 SHS supports Canadian one-person and provincial consumption calibration; used for non-rent components.", "observation_values": [ { "metric": "Canadian average household spending", "value": 76750, "unit": "CAD/year", "period": "2023" } ], "evidence_extraction_status": "SOURCE_VALUES_OR_METADATA_REVIEWED" }, { "source_id": "vancouver_transit", "city": "Vancouver", "role": "transit", "publisher": "TransLink", "title": "Transit fares and fare zones", "url": "https://www.translink.ca/transit-fares/pricing-and-fare-zones", "observation_period": "effective 2026-07/09", "retrieved_at": "2026-09-24", "geography": "Metro Vancouver", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "vancouver_transit", "upstream_dataset": "Transit fares and fare zones", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "Current adult fare products used to calibrate a one-zone monthly transit benchmark.", "observation_values": [ { "metric": "adult single fare", "low": 2.85, "mode": 2.85, "high": 3.5, "unit": "CAD/trip", "period": "2026" }, { "metric": "adult one-zone monthly pass", "value": 117.2, "unit": "CAD/month", "period": "2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Vancouver", "metric": "tax.context", "label": "Tax structure", "unit": "text", "published_value": { "display": "2026 marginal personal income tax uses federal brackets of 14%–33% plus British Columbia brackets of 5.6%–20.5%. Credits and payroll contributions affect the effective rate." }, "basis": "2026 official marginal personal income tax brackets; not a tax estimate for a particular person.", "derivation_method": "Directly summarized from the cited official rule or program page; no numeric imputation.", "source_refs": [ "vancouver_tax_2026" ], "source_evidence": [ { "source_id": "vancouver_tax_2026", "city": "Vancouver", "role": "tax_context", "publisher": "Canada Revenue Agency", "title": "Current year tax rates and income brackets (2026)", "url": "https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html", "observation_period": "2026 tax year", "retrieved_at": "2026-09-24", "geography": "Canada / province of residence", "source_type": "official", "geography_match": "province", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "canada_revenue_agency", "upstream_dataset": "Current year tax rates and income brackets (2026)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Official marginal personal income tax brackets; effective tax depends on credits, deductions, payroll contributions and individual circumstances.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "Vancouver", "metric": "context.safety", "label": "Official crime/safety context", "unit": "number", "published_value": { "low": 83.5, "mode": 83.5, "high": 83.5, "display_unit": " CSI" }, "basis": "2025 police-reported Crime Severity Index for the city CMA; 2006 Canada=100 and lower is less severe.", "derivation_method": "Direct official table observation. Enforcement, reporting and jurisdiction differences limit causal interpretation.", "source_refs": [ "vancouver_crime_csi_2025" ], "source_evidence": [ { "source_id": "vancouver_crime_csi_2025", "city": "Vancouver", "role": "safety_context", "publisher": "Statistics Canada", "title": "Police-reported Crime Severity Index and crime rate by CMA, 2025", "url": "https://www150.statcan.gc.ca/n1/daily-quotidien/260722/t004a-eng.htm", "observation_period": "2025", "retrieved_at": "2026-09-24", "geography": "Vancouver census metropolitan area", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_crime", "upstream_dataset": "Police-reported Crime Severity Index and crime rate by CMA, 2025", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Police-reported Crime Severity Index. Lower is less severe; reporting and enforcement differences affect comparisons.", "observation_values": [ { "metric": "Crime Severity Index", "value": 83.5, "unit": "index; 2006 Canada=100" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Vancouver", "metric": "context.climate", "label": "Climate normals", "unit": "text", "published_value": { "display": "1991–2020 daily-average normals: January 5.3°C; July 19.0°C; annual 11.4°C (Vancouver (Harbour))." }, "basis": "Environment and Climate Change Canada 1991–2020 composite-station climate normals.", "derivation_method": "Directly summarized from the cited official rule or program page; no numeric imputation.", "source_refs": [ "vancouver_climate_normals_1991_2020" ], "source_evidence": [ { "source_id": "vancouver_climate_normals_1991_2020", "city": "Vancouver", "role": "climate", "publisher": "Environment and Climate Change Canada", "title": "Canadian Climate Normals 1991–2020 — Vancouver (Harbour)", "url": "https://climate.weather.gc.ca/climate_normals/results_1991_2020_e.html?climate_id=1108446&dispBack=0", "observation_period": "1991–2020 climate normals", "retrieved_at": "2026-09-24", "geography": "Vancouver (Harbour)", "source_type": "official", "geography_match": "city_station", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "environment_canada_climate_normals", "upstream_dataset": "Canadian Climate Normals 1991–2020 — Vancouver (Harbour)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Daily-average temperature normals for January, July and the annual period.", "observation_values": [ { "metric": "January daily average", "value": 5.3, "unit": "°C" }, { "metric": "July daily average", "value": 19.0, "unit": "°C" }, { "metric": "Annual daily average", "value": 11.4, "unit": "°C" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Montréal", "metric": "housing.3br_nonprime", "label": "Three-bedroom non-prime", "unit": "money", "published_value": { "low": 2260.0, "mode": 2260.0, "high": 2260.0, "currency": "CAD" }, "basis": "Average asking rent for an apartment with three or more bedrooms in the city CMA, 2026-Q2.", "derivation_method": "Direct table observation; no city adjustment or competitor input.", "source_refs": [ "montreal_statcan_rent_2026q2" ], "source_evidence": [ { "source_id": "montreal_statcan_rent_2026q2", "city": "Montréal", "role": "rent_detail", "publisher": "Statistics Canada", "title": "Quarterly rent statistics by unit type and census metropolitan area", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=4610009201", "observation_period": "2026-Q2", "retrieved_at": "2026-09-24", "geography": "Montréal, Census metropolitan area (CMA)", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_rent_statistics", "upstream_dataset": "Quarterly rent statistics by unit type and census metropolitan area", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average paid and asking rents for selected apartment and house unit types in the city CMA.", "observation_values": [ { "metric": "House - 3 or more bedrooms — Average asking rent", "value": 2820.0, "unit": "CAD/month", "period": "2026-Q2" }, { "metric": "Apartment - 1 bedroom — Average asking rent", "value": 1480.0, "unit": "CAD/month", "period": "2026-Q2" }, { "metric": "Apartment - 1 bedroom — Average paid rent", "value": 1170.0, "unit": "CAD/month", "period": "2026-Q2" }, { "metric": "Apartment - 3 or more bedrooms — Average asking rent", "value": 2260.0, "unit": "CAD/month", "period": "2026-Q2" }, { "metric": "Apartment - 3 or more bedrooms — Average paid rent", "value": 1440.0, "unit": "CAD/month", "period": "2026-Q2" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Montréal", "metric": "housing.mortgage_rate", "label": "Mortgage interest-rate reference", "unit": "percent", "published_value": { "low": 6.09, "mode": 6.09, "high": 6.09, "display_unit": "%" }, "basis": "Bank of Canada conventional five-year posted rate on 2026-09-23.", "derivation_method": "Direct national reference rate; not a personalized effective mortgage rate.", "source_refs": [ "montreal_bank_canada_mortgage_2026" ], "source_evidence": [ { "source_id": "montreal_bank_canada_mortgage_2026", "city": "Montréal", "role": "mortgage_rate", "publisher": "Bank of Canada", "title": "Posted interest rates offered by chartered banks", "url": "https://www.bankofcanada.ca/rates/banking-and-financial-statistics/posted-interest-rates-offered-by-chartered-banks/", "observation_period": "2026-09-23", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "bank_of_canada", "upstream_dataset": "Posted interest rates offered by chartered banks", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Conventional five-year posted mortgage rate; a reference rate, not a personalized offer or effective borrowing cost.", "observation_values": [ { "metric": "conventional mortgage — 5 year", "value": 6.09, "unit": "percent" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Montréal", "metric": "housing.move_in_costs", "label": "Rental move-in cost rules", "unit": "text", "published_value": { "display": "A lessor cannot require more than one month's rent or advance rent beyond the first payment period, and cannot require an additional security deposit." }, "basis": "Provincial residential-tenancy rule; moving services, furnishings and utility connection charges are excluded.", "derivation_method": "Directly summarized from the cited official rule or program page; no numeric imputation.", "source_refs": [ "montreal_move_in_rules_2026" ], "source_evidence": [ { "source_id": "montreal_move_in_rules_2026", "city": "Montréal", "role": "move_in_costs", "publisher": "Tribunal administratif du logement", "title": "Paying the rent", "url": "https://www.tal.gouv.qc.ca/en/being-a-lessee/paying-the-rent", "observation_period": "current at 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Quebec", "source_type": "official", "geography_match": "province_law", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "montreal_tenancy_rules", "upstream_dataset": "Paying the rent", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Official residential-tenancy rule used to describe the permitted upfront rent/deposit exposure.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "Montréal", "metric": "utilities.energy_water", "label": "Energy/water for baseline dwelling", "unit": "money", "published_value": { "low": 144.17, "mode": 144.17, "high": 144.17, "display_unit": "/month", "currency": "CAD" }, "basis": "Canada-wide average annual expenditure for one-person households in 2023: Water, fuel and electricity for principal accommodation; divided by 12.", "derivation_method": "Annual official household expenditure divided by 12. National proxy; includes zero-spend households and is not a provider quote.", "source_refs": [ "montreal_statcan_shs_2023" ], "source_evidence": [ { "source_id": "montreal_statcan_shs_2023", "city": "Montréal", "role": "one_person_spending", "publisher": "Statistics Canada", "title": "Survey of Household Spending by household type", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110022401", "observation_period": "2023", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "statistics_canada_household_spending", "upstream_dataset": "Survey of Household Spending by household type", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average annual expenditures for one-person households, divided by 12 for monthly reference values. These are national spending exposures, not city market quotes.", "observation_values": [ { "metric": "Water, fuel and electricity for principal accommodation", "value": 144.17, "unit": "CAD/month" }, { "metric": "Cell phone and pager services", "value": 68.83, "unit": "CAD/month" }, { "metric": "Internet access services", "value": 70.42, "unit": "CAD/month" }, { "metric": "Prescribed medicines and pharmaceutical products", "value": 28.58, "unit": "CAD/month" }, { "metric": "Private health insurance plan premiums", "value": 30.58, "unit": "CAD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Montréal", "metric": "utilities.internet", "label": "Residential broadband", "unit": "money", "published_value": { "low": 70.42, "mode": 70.42, "high": 70.42, "display_unit": "/month", "currency": "CAD" }, "basis": "Canada-wide average annual expenditure for one-person households in 2023: Internet access services; divided by 12.", "derivation_method": "Annual official household expenditure divided by 12. National proxy; includes zero-spend households and is not a provider quote.", "source_refs": [ "montreal_statcan_shs_2023" ], "source_evidence": [ { "source_id": "montreal_statcan_shs_2023", "city": "Montréal", "role": "one_person_spending", "publisher": "Statistics Canada", "title": "Survey of Household Spending by household type", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110022401", "observation_period": "2023", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "statistics_canada_household_spending", "upstream_dataset": "Survey of Household Spending by household type", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average annual expenditures for one-person households, divided by 12 for monthly reference values. These are national spending exposures, not city market quotes.", "observation_values": [ { "metric": "Water, fuel and electricity for principal accommodation", "value": 144.17, "unit": "CAD/month" }, { "metric": "Cell phone and pager services", "value": 68.83, "unit": "CAD/month" }, { "metric": "Internet access services", "value": 70.42, "unit": "CAD/month" }, { "metric": "Prescribed medicines and pharmaceutical products", "value": 28.58, "unit": "CAD/month" }, { "metric": "Private health insurance plan premiums", "value": 30.58, "unit": "CAD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Montréal", "metric": "utilities.mobile", "label": "Mid-tier mobile plan", "unit": "money", "published_value": { "low": 68.83, "mode": 68.83, "high": 68.83, "display_unit": "/month", "currency": "CAD" }, "basis": "Canada-wide average annual expenditure for one-person households in 2023: Cell phone and pager services; divided by 12.", "derivation_method": "Annual official household expenditure divided by 12. National proxy; includes zero-spend households and is not a provider quote.", "source_refs": [ "montreal_statcan_shs_2023" ], "source_evidence": [ { "source_id": "montreal_statcan_shs_2023", "city": "Montréal", "role": "one_person_spending", "publisher": "Statistics Canada", "title": "Survey of Household Spending by household type", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110022401", "observation_period": "2023", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "statistics_canada_household_spending", "upstream_dataset": "Survey of Household Spending by household type", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average annual expenditures for one-person households, divided by 12 for monthly reference values. These are national spending exposures, not city market quotes.", "observation_values": [ { "metric": "Water, fuel and electricity for principal accommodation", "value": 144.17, "unit": "CAD/month" }, { "metric": "Cell phone and pager services", "value": 68.83, "unit": "CAD/month" }, { "metric": "Internet access services", "value": 70.42, "unit": "CAD/month" }, { "metric": "Prescribed medicines and pharmaceutical products", "value": 28.58, "unit": "CAD/month" }, { "metric": "Private health insurance plan premiums", "value": 30.58, "unit": "CAD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Montréal", "metric": "food.milk_1l", "label": "Milk 1 L", "unit": "money", "published_value": { "low": 2.95, "mode": 2.97, "high": 2.97, "currency": "CAD" }, "basis": "Three latest monthly Quebec retail-price observations for Milk, 1 litre. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "montreal_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "montreal_statcan_retail_2026m07", "city": "Montréal", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Quebec", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 2.95, "median": 2.97, "high": 2.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.9, "median": 2.91, "high": 2.92, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 5.41, "median": 5.43, "high": 5.61, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 4.19, "median": 4.29, "high": 4.43, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 13.77, "median": 14.03, "high": 14.07, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 15.26, "median": 15.77, "high": 16.13, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 24.48, "median": 25.75, "high": 26.21, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.79, "median": 6.01, "high": 6.01, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.08, "median": 5.3, "high": 7.53, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Montréal", "metric": "food.bread_500g", "label": "Bread 500 g", "unit": "money", "published_value": { "low": 2.9, "mode": 2.91, "high": 2.92, "currency": "CAD" }, "basis": "Three latest monthly Quebec retail-price observations for White bread, 675 grams. Converted from the source package with factor 0.740741.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "montreal_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "montreal_statcan_retail_2026m07", "city": "Montréal", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Quebec", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 2.95, "median": 2.97, "high": 2.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.9, "median": 2.91, "high": 2.92, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 5.41, "median": 5.43, "high": 5.61, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 4.19, "median": 4.29, "high": 4.43, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 13.77, "median": 14.03, "high": 14.07, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 15.26, "median": 15.77, "high": 16.13, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 24.48, "median": 25.75, "high": 26.21, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.79, "median": 6.01, "high": 6.01, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.08, "median": 5.3, "high": 7.53, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Montréal", "metric": "food.rice_1kg", "label": "Rice/grains 1 kg", "unit": "money", "published_value": { "low": 5.41, "mode": 5.43, "high": 5.61, "currency": "CAD" }, "basis": "Three latest monthly Quebec retail-price observations for White rice, 2 kilograms. Converted from the source package with factor 0.500000.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "montreal_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "montreal_statcan_retail_2026m07", "city": "Montréal", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Quebec", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 2.95, "median": 2.97, "high": 2.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.9, "median": 2.91, "high": 2.92, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 5.41, "median": 5.43, "high": 5.61, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 4.19, "median": 4.29, "high": 4.43, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 13.77, "median": 14.03, "high": 14.07, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 15.26, "median": 15.77, "high": 16.13, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 24.48, "median": 25.75, "high": 26.21, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.79, "median": 6.01, "high": 6.01, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.08, "median": 5.3, "high": 7.53, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Montréal", "metric": "food.eggs_12", "label": "Eggs 12", "unit": "money", "published_value": { "low": 4.19, "mode": 4.29, "high": 4.43, "currency": "CAD" }, "basis": "Three latest monthly Quebec retail-price observations for Eggs, 1 dozen. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "montreal_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "montreal_statcan_retail_2026m07", "city": "Montréal", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Quebec", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 2.95, "median": 2.97, "high": 2.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.9, "median": 2.91, "high": 2.92, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 5.41, "median": 5.43, "high": 5.61, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 4.19, "median": 4.29, "high": 4.43, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 13.77, "median": 14.03, "high": 14.07, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 15.26, "median": 15.77, "high": 16.13, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 24.48, "median": 25.75, "high": 26.21, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.79, "median": 6.01, "high": 6.01, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.08, "median": 5.3, "high": 7.53, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Montréal", "metric": "food.chicken_1kg", "label": "Chicken 1 kg", "unit": "money", "published_value": { "low": 13.77, "mode": 14.03, "high": 14.07, "currency": "CAD" }, "basis": "Three latest monthly Quebec retail-price observations for Chicken breasts, per kilogram. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "montreal_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "montreal_statcan_retail_2026m07", "city": "Montréal", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Quebec", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 2.95, "median": 2.97, "high": 2.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.9, "median": 2.91, "high": 2.92, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 5.41, "median": 5.43, "high": 5.61, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 4.19, "median": 4.29, "high": 4.43, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 13.77, "median": 14.03, "high": 14.07, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 15.26, "median": 15.77, "high": 16.13, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 24.48, "median": 25.75, "high": 26.21, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.79, "median": 6.01, "high": 6.01, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.08, "median": 5.3, "high": 7.53, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Montréal", "metric": "food.red_meat_1kg", "label": "Red-meat equivalent 1 kg", "unit": "money", "published_value": { "low": 15.26, "mode": 15.77, "high": 16.13, "currency": "CAD" }, "basis": "Three latest monthly Quebec retail-price observations for Ground beef, per kilogram. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "montreal_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "montreal_statcan_retail_2026m07", "city": "Montréal", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Quebec", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 2.95, "median": 2.97, "high": 2.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.9, "median": 2.91, "high": 2.92, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 5.41, "median": 5.43, "high": 5.61, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 4.19, "median": 4.29, "high": 4.43, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 13.77, "median": 14.03, "high": 14.07, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 15.26, "median": 15.77, "high": 16.13, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 24.48, "median": 25.75, "high": 26.21, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.79, "median": 6.01, "high": 6.01, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.08, "median": 5.3, "high": 7.53, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Montréal", "metric": "food.fish_1kg", "label": "Fish 1 kg", "unit": "money", "published_value": { "low": 24.48, "mode": 25.75, "high": 26.21, "currency": "CAD" }, "basis": "Three latest monthly Quebec retail-price observations for Salmon, per kilogram. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "montreal_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "montreal_statcan_retail_2026m07", "city": "Montréal", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Quebec", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 2.95, "median": 2.97, "high": 2.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.9, "median": 2.91, "high": 2.92, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 5.41, "median": 5.43, "high": 5.61, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 4.19, "median": 4.29, "high": 4.43, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 13.77, "median": 14.03, "high": 14.07, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 15.26, "median": 15.77, "high": 16.13, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 24.48, "median": 25.75, "high": 26.21, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.79, "median": 6.01, "high": 6.01, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.08, "median": 5.3, "high": 7.53, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Montréal", "metric": "food.fruit_1kg", "label": "Representative fruit 1 kg", "unit": "money", "published_value": { "low": 5.79, "mode": 6.01, "high": 6.01, "currency": "CAD" }, "basis": "Three latest monthly Quebec retail-price observations for Apples, per kilogram. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "montreal_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "montreal_statcan_retail_2026m07", "city": "Montréal", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Quebec", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 2.95, "median": 2.97, "high": 2.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.9, "median": 2.91, "high": 2.92, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 5.41, "median": 5.43, "high": 5.61, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 4.19, "median": 4.29, "high": 4.43, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 13.77, "median": 14.03, "high": 14.07, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 15.26, "median": 15.77, "high": 16.13, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 24.48, "median": 25.75, "high": 26.21, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.79, "median": 6.01, "high": 6.01, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.08, "median": 5.3, "high": 7.53, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Montréal", "metric": "food.vegetables_1kg", "label": "Representative vegetables 1 kg", "unit": "money", "published_value": { "low": 5.08, "mode": 5.3, "high": 7.53, "currency": "CAD" }, "basis": "Three latest monthly Quebec retail-price observations for Tomatoes, per kilogram. No package-size conversion.", "derivation_method": "Low/median/high are the minimum, median and maximum of May–July 2026 official observations; province is a city proxy.", "source_refs": [ "montreal_statcan_retail_2026m07" ], "source_evidence": [ { "source_id": "montreal_statcan_retail_2026m07", "city": "Montréal", "role": "grocery_detail", "publisher": "Statistics Canada", "title": "Monthly average retail prices for selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810024501", "observation_period": "2026-05 to 2026-07", "retrieved_at": "2026-09-24", "geography": "Quebec", "source_type": "official", "geography_match": "province_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statistics_canada_retail_prices", "upstream_dataset": "Monthly average retail prices for selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three-month provincial retail-price observations normalized only where package size differed from the metric definition.", "observation_values": [ { "metric": "food.milk_1l", "low": 2.95, "median": 2.97, "high": 2.97, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.bread_500g", "low": 2.9, "median": 2.91, "high": 2.92, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.rice_1kg", "low": 5.41, "median": 5.43, "high": 5.61, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.eggs_12", "low": 4.19, "median": 4.29, "high": 4.43, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.chicken_1kg", "low": 13.77, "median": 14.03, "high": 14.07, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.red_meat_1kg", "low": 15.26, "median": 15.77, "high": 16.13, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fish_1kg", "low": 24.48, "median": 25.75, "high": 26.21, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.fruit_1kg", "low": 5.79, "median": 6.01, "high": 6.01, "unit": "CAD", "period": "2026-05 to 2026-07" }, { "metric": "food.vegetables_1kg", "low": 5.08, "median": 5.3, "high": 7.53, "unit": "CAD", "period": "2026-05 to 2026-07" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Montréal", "metric": "transport.single_fare", "label": "Single adult fare", "unit": "money", "published_value": { "low": 3.75, "mode": 3.75, "high": 3.75, "currency": "CAD" }, "basis": "Adult one-trip All Modes A fare.", "derivation_method": "Direct current official-operator fare observations; the range reflects payment method where applicable.", "source_refs": [ "montreal_transit" ], "source_evidence": [ { "source_id": "montreal_transit", "city": "Montréal", "role": "transit", "publisher": "Société de transport de Montréal", "title": "Fare schedule", "url": "https://stm.info/sites/default/files/pdf/en/tarifs.pdf", "observation_period": "effective 2026-07/09", "retrieved_at": "2026-09-24", "geography": "Montréal Zone A", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "montreal_transit", "upstream_dataset": "Fare schedule", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "Current STM/ARTM fare schedule supports the monthly transit benchmark.", "observation_values": [ { "metric": "adult single fare", "low": 3.75, "mode": 3.75, "high": 3.75, "unit": "CAD/trip", "period": "2026" }, { "metric": "adult Monthly All Modes A", "value": 110.0, "unit": "CAD/month", "period": "effective 2026-07-01" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Montréal", "metric": "transport.gasoline_litre", "label": "Gasoline per litre", "unit": "money", "published_value": { "low": 1.79, "mode": 1.85, "high": 1.87, "display_unit": "/L", "currency": "CAD" }, "basis": "Three latest monthly city observations for regular unleaded gasoline at self-service stations.", "derivation_method": "Source cents per litre divided by 100; low/median/high cover June–August 2026.", "source_refs": [ "montreal_statcan_gas_2026m08" ], "source_evidence": [ { "source_id": "montreal_statcan_gas_2026m08", "city": "Montréal", "role": "gasoline", "publisher": "Statistics Canada", "title": "Monthly average retail prices for food and other selected products", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810000101", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "Montréal, Quebec", "source_type": "official", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_gasoline_prices", "upstream_dataset": "Monthly average retail prices for food and other selected products", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Three latest monthly city observations for regular unleaded self-service gasoline.", "observation_values": [ { "metric": "regular self-service gasoline", "low": 1.79, "median": 1.85, "high": 1.87, "unit": "CAD/litre" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Montréal", "metric": "health.public_system", "label": "Public healthcare baseline/eligibility", "unit": "text", "published_value": { "display": "Québec residents have public hospital and medical coverage through provincial plans. Prescription coverage is coordinated between the public plan and eligible private plans; eligibility and exclusions apply." }, "basis": "Official provincial coverage and eligibility page; verify personal eligibility before relying on coverage.", "derivation_method": "Directly summarized from the cited official rule or program page; no numeric imputation.", "source_refs": [ "montreal_public_health_2026" ], "source_evidence": [ { "source_id": "montreal_public_health_2026", "city": "Montréal", "role": "health_system", "publisher": "Gouvernement du Québec", "title": "Health insurance and prescription drug insurance", "url": "https://www.quebec.ca/en/health/health-system-and-services/insurance-schemes/health-insurance-prescription-drug-insurance", "observation_period": "accessed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Quebec", "source_type": "official", "geography_match": "province", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "montreal_provincial_health", "upstream_dataset": "Health insurance and prescription drug insurance", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Official public-plan coverage and eligibility context.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "Montréal", "metric": "health.prescriptions", "label": "Prescription exposure", "unit": "money", "published_value": { "low": 28.58, "mode": 28.58, "high": 28.58, "display_unit": "/month", "currency": "CAD" }, "basis": "Canada-wide average annual expenditure for one-person households in 2023: Prescribed medicines and pharmaceutical products; divided by 12.", "derivation_method": "Annual official household expenditure divided by 12. National proxy; includes zero-spend households and is not a provider quote.", "source_refs": [ "montreal_statcan_shs_2023" ], "source_evidence": [ { "source_id": "montreal_statcan_shs_2023", "city": "Montréal", "role": "one_person_spending", "publisher": "Statistics Canada", "title": "Survey of Household Spending by household type", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110022401", "observation_period": "2023", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "statistics_canada_household_spending", "upstream_dataset": "Survey of Household Spending by household type", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average annual expenditures for one-person households, divided by 12 for monthly reference values. These are national spending exposures, not city market quotes.", "observation_values": [ { "metric": "Water, fuel and electricity for principal accommodation", "value": 144.17, "unit": "CAD/month" }, { "metric": "Cell phone and pager services", "value": 68.83, "unit": "CAD/month" }, { "metric": "Internet access services", "value": 70.42, "unit": "CAD/month" }, { "metric": "Prescribed medicines and pharmaceutical products", "value": 28.58, "unit": "CAD/month" }, { "metric": "Private health insurance plan premiums", "value": 30.58, "unit": "CAD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Montréal", "metric": "health.private_cover", "label": "Supplemental/private coverage", "unit": "money", "published_value": { "low": 30.58, "mode": 30.58, "high": 30.58, "display_unit": "/month", "currency": "CAD" }, "basis": "Canada-wide average annual expenditure for one-person households in 2023: Private health insurance plan premiums; divided by 12.", "derivation_method": "Annual official household expenditure divided by 12. National proxy; includes zero-spend households and is not a provider quote.", "source_refs": [ "montreal_statcan_shs_2023" ], "source_evidence": [ { "source_id": "montreal_statcan_shs_2023", "city": "Montréal", "role": "one_person_spending", "publisher": "Statistics Canada", "title": "Survey of Household Spending by household type", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110022401", "observation_period": "2023", "retrieved_at": "2026-09-24", "geography": "Canada", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "statistics_canada_household_spending", "upstream_dataset": "Survey of Household Spending by household type", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Average annual expenditures for one-person households, divided by 12 for monthly reference values. These are national spending exposures, not city market quotes.", "observation_values": [ { "metric": "Water, fuel and electricity for principal accommodation", "value": 144.17, "unit": "CAD/month" }, { "metric": "Cell phone and pager services", "value": 68.83, "unit": "CAD/month" }, { "metric": "Internet access services", "value": 70.42, "unit": "CAD/month" }, { "metric": "Prescribed medicines and pharmaceutical products", "value": 28.58, "unit": "CAD/month" }, { "metric": "Private health insurance plan premiums", "value": 30.58, "unit": "CAD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Montréal", "metric": "family.childcare", "label": "Childcare/daycare", "unit": "money", "published_value": { "low": 9.65, "mode": 9.65, "high": 9.65, "display_unit": "/day", "currency": "CAD" }, "basis": "2026 reduced-contribution daily rate at subsidized childcare; admission and availability are not guaranteed.", "derivation_method": "Direct published program fee/cap. This is not an unrestricted-market average and does not imply space availability.", "source_refs": [ "montreal_childcare_2026" ], "source_evidence": [ { "source_id": "montreal_childcare_2026", "city": "Montréal", "role": "childcare", "publisher": "Gouvernement du Québec", "title": "Educational childcare rates", "url": "https://www.quebec.ca/en/family-and-support-for-individuals/childhood/childcare-centres/costs", "observation_period": "2026", "retrieved_at": "2026-09-24", "geography": "Quebec", "source_type": "official", "geography_match": "province_program", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "montreal_childcare_program", "upstream_dataset": "Educational childcare rates", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "2026 reduced-contribution daily rate at subsidized childcare; admission and availability are not guaranteed.", "observation_values": [ { "metric": "subsidized/participating program daily fee reference", "value": 9.65, "unit": "CAD/day" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Montréal", "metric": "income.earnings", "label": "Official earnings benchmark", "unit": "money", "published_value": { "low": 4916.67, "mode": 4916.67, "high": 4916.67, "display_unit": "/month gross", "currency": "CAD" }, "basis": "Median wages, salaries and commissions excluding zeros, age 25–54, total gender, city geography, 2024; monthly gross equivalent.", "derivation_method": "Official annual median divided by 12; no tax or benefit adjustment.", "source_refs": [ "montreal_statcan_income_2024" ], "source_evidence": [ { "source_id": "montreal_statcan_income_2024", "city": "Montréal", "role": "earnings", "publisher": "Statistics Canada", "title": "Income of individuals by age group, sex and geography", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110023901", "observation_period": "2024 income year; 2024 constant dollars", "retrieved_at": "2026-09-24", "geography": "Montréal, Quebec", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_income", "upstream_dataset": "Income of individuals by age group, sex and geography", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Median wages, salaries and commissions excluding zeros for people aged 25–54; converted from annual to monthly gross without a tax adjustment.", "observation_values": [ { "metric": "median wages, salaries and commissions", "value": 59000.0, "unit": "CAD/year gross", "monthly_equivalent": 4916.67 } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Montréal", "metric": "income.core_cost_share", "label": "Core cost divided by earnings", "unit": "percent", "published_value": { "low": 58.2, "mode": 58.2, "high": 58.2, "display_unit": "% of gross" }, "basis": "CLC six-component one-person model midpoint divided by the official monthly gross earnings benchmark.", "derivation_method": "2860.00 / 4916.67 × 100. This is a gross-income planning ratio, not a disposable-income burden measure.", "source_refs": [ "montreal_statcan_income_2024", "montreal_rent", "montreal_household", "montreal_transit" ], "source_evidence": [ { "source_id": "montreal_statcan_income_2024", "city": "Montréal", "role": "earnings", "publisher": "Statistics Canada", "title": "Income of individuals by age group, sex and geography", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110023901", "observation_period": "2024 income year; 2024 constant dollars", "retrieved_at": "2026-09-24", "geography": "Montréal, Quebec", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_income", "upstream_dataset": "Income of individuals by age group, sex and geography", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Median wages, salaries and commissions excluding zeros for people aged 25–54; converted from annual to monthly gross without a tax adjustment.", "observation_values": [ { "metric": "median wages, salaries and commissions", "value": 59000.0, "unit": "CAD/year gross", "monthly_equivalent": 4916.67 } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "montreal_rent", "city": "Montréal", "role": "rent", "publisher": "Statistics Canada", "title": "Quarterly asking rent statistics", "url": "https://www150.statcan.gc.ca/n1/en/catalogue/4610009201", "observation_period": "2025-Q4 / 2026-Q2", "retrieved_at": "2026-09-23", "geography": "Montréal CMA", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "montreal_rent", "upstream_dataset": "Quarterly asking rent statistics", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "Official asking-rent series provides Montréal rental-market calibration.", "observation_values": [ { "metric": "1-bedroom asking rent reference", "value": 1550, "unit": "CAD/month", "period": "2025-Q4" }, { "metric": "2-bedroom asking rent reference", "value": 1820, "unit": "CAD/month", "period": "2026-Q2" } ], "evidence_extraction_status": "SOURCE_VALUES_OR_METADATA_REVIEWED" }, { "source_id": "montreal_household", "city": "Montréal", "role": "household", "publisher": "Statistics Canada", "title": "Survey of Household Spending, 2023 — updated weights", "url": "https://www150.statcan.gc.ca/n1/daily-quotidien/260918/dq260918a-eng.htm", "observation_period": "2023; weights updated 2026-09", "retrieved_at": "2026-09-23", "geography": "Canada / Quebec and household-type tables", "source_type": "official", "geography_match": "province_and_household_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statscan_shs_2023", "upstream_dataset": "Survey of Household Spending, 2023 — updated weights", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "Updated 2023 SHS supports Canadian one-person and Quebec consumption calibration.", "observation_values": [ { "metric": "Canadian average household spending", "value": 76750, "unit": "CAD/year", "period": "2023" } ], "evidence_extraction_status": "SOURCE_VALUES_OR_METADATA_REVIEWED" }, { "source_id": "montreal_transit", "city": "Montréal", "role": "transit", "publisher": "Société de transport de Montréal", "title": "Fare schedule", "url": "https://stm.info/sites/default/files/pdf/en/tarifs.pdf", "observation_period": "effective 2026-07/09", "retrieved_at": "2026-09-24", "geography": "Montréal Zone A", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "montreal_transit", "upstream_dataset": "Fare schedule", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "Current STM/ARTM fare schedule supports the monthly transit benchmark.", "observation_values": [ { "metric": "adult single fare", "low": 3.75, "mode": 3.75, "high": 3.75, "unit": "CAD/trip", "period": "2026" }, { "metric": "adult Monthly All Modes A", "value": 110.0, "unit": "CAD/month", "period": "effective 2026-07-01" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Montréal", "metric": "income.after_core", "label": "Income remaining after core spend", "unit": "money", "published_value": { "low": 2056.67, "mode": 2056.67, "high": 2056.67, "display_unit": "/month before tax", "currency": "CAD" }, "basis": "Official monthly gross earnings benchmark minus the CLC six-component model midpoint.", "derivation_method": "4916.67 − 2860.00. Taxes, payroll deductions, savings and excluded categories have not been deducted.", "source_refs": [ "montreal_statcan_income_2024", "montreal_rent", "montreal_household", "montreal_transit" ], "source_evidence": [ { "source_id": "montreal_statcan_income_2024", "city": "Montréal", "role": "earnings", "publisher": "Statistics Canada", "title": "Income of individuals by age group, sex and geography", "url": "https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110023901", "observation_period": "2024 income year; 2024 constant dollars", "retrieved_at": "2026-09-24", "geography": "Montréal, Quebec", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_income", "upstream_dataset": "Income of individuals by age group, sex and geography", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Median wages, salaries and commissions excluding zeros for people aged 25–54; converted from annual to monthly gross without a tax adjustment.", "observation_values": [ { "metric": "median wages, salaries and commissions", "value": 59000.0, "unit": "CAD/year gross", "monthly_equivalent": 4916.67 } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "montreal_rent", "city": "Montréal", "role": "rent", "publisher": "Statistics Canada", "title": "Quarterly asking rent statistics", "url": "https://www150.statcan.gc.ca/n1/en/catalogue/4610009201", "observation_period": "2025-Q4 / 2026-Q2", "retrieved_at": "2026-09-23", "geography": "Montréal CMA", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "montreal_rent", "upstream_dataset": "Quarterly asking rent statistics", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "Official asking-rent series provides Montréal rental-market calibration.", "observation_values": [ { "metric": "1-bedroom asking rent reference", "value": 1550, "unit": "CAD/month", "period": "2025-Q4" }, { "metric": "2-bedroom asking rent reference", "value": 1820, "unit": "CAD/month", "period": "2026-Q2" } ], "evidence_extraction_status": "SOURCE_VALUES_OR_METADATA_REVIEWED" }, { "source_id": "montreal_household", "city": "Montréal", "role": "household", "publisher": "Statistics Canada", "title": "Survey of Household Spending, 2023 — updated weights", "url": "https://www150.statcan.gc.ca/n1/daily-quotidien/260918/dq260918a-eng.htm", "observation_period": "2023; weights updated 2026-09", "retrieved_at": "2026-09-23", "geography": "Canada / Quebec and household-type tables", "source_type": "official", "geography_match": "province_and_household_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "statscan_shs_2023", "upstream_dataset": "Survey of Household Spending, 2023 — updated weights", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "Updated 2023 SHS supports Canadian one-person and Quebec consumption calibration.", "observation_values": [ { "metric": "Canadian average household spending", "value": 76750, "unit": "CAD/year", "period": "2023" } ], "evidence_extraction_status": "SOURCE_VALUES_OR_METADATA_REVIEWED" }, { "source_id": "montreal_transit", "city": "Montréal", "role": "transit", "publisher": "Société de transport de Montréal", "title": "Fare schedule", "url": "https://stm.info/sites/default/files/pdf/en/tarifs.pdf", "observation_period": "effective 2026-07/09", "retrieved_at": "2026-09-24", "geography": "Montréal Zone A", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "montreal_transit", "upstream_dataset": "Fare schedule", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "Current STM/ARTM fare schedule supports the monthly transit benchmark.", "observation_values": [ { "metric": "adult single fare", "low": 3.75, "mode": 3.75, "high": 3.75, "unit": "CAD/trip", "period": "2026" }, { "metric": "adult Monthly All Modes A", "value": 110.0, "unit": "CAD/month", "period": "effective 2026-07-01" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Montréal", "metric": "tax.context", "label": "Tax structure", "unit": "text", "published_value": { "display": "2026 marginal personal income tax uses federal brackets of 14%–33% plus Québec brackets of 14%–25.75%. The Québec abatement, credits and payroll contributions affect the effective rate." }, "basis": "2026 official marginal personal income tax brackets; not a tax estimate for a particular person.", "derivation_method": "Directly summarized from the cited official rule or program page; no numeric imputation.", "source_refs": [ "montreal_tax_2026_1", "montreal_tax_2026_2" ], "source_evidence": [ { "source_id": "montreal_tax_2026_1", "city": "Montréal", "role": "tax_context", "publisher": "Canada Revenue Agency", "title": "Current year tax rates and income brackets (2026)", "url": "https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html", "observation_period": "2026 tax year", "retrieved_at": "2026-09-24", "geography": "Canada / province of residence", "source_type": "official", "geography_match": "province", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "canada_revenue_agency", "upstream_dataset": "Current year tax rates and income brackets (2026)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Official marginal personal income tax brackets; effective tax depends on credits, deductions, payroll contributions and individual circumstances.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" }, { "source_id": "montreal_tax_2026_2", "city": "Montréal", "role": "tax_context", "publisher": "Revenu Québec", "title": "Income tax rates for 2026", "url": "https://www.revenuquebec.ca/en/citizens/income-tax-return/completing-your-income-tax-return/income-tax-rates/", "observation_period": "2026 tax year", "retrieved_at": "2026-09-24", "geography": "Canada / province of residence", "source_type": "official", "geography_match": "province", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "revenu_québec", "upstream_dataset": "Income tax rates for 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Official marginal personal income tax brackets; effective tax depends on credits, deductions, payroll contributions and individual circumstances.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "Montréal", "metric": "context.safety", "label": "Official crime/safety context", "unit": "number", "published_value": { "low": 61.3, "mode": 61.3, "high": 61.3, "display_unit": " CSI" }, "basis": "2025 police-reported Crime Severity Index for the city CMA; 2006 Canada=100 and lower is less severe.", "derivation_method": "Direct official table observation. Enforcement, reporting and jurisdiction differences limit causal interpretation.", "source_refs": [ "montreal_crime_csi_2025" ], "source_evidence": [ { "source_id": "montreal_crime_csi_2025", "city": "Montréal", "role": "safety_context", "publisher": "Statistics Canada", "title": "Police-reported Crime Severity Index and crime rate by CMA, 2025", "url": "https://www150.statcan.gc.ca/n1/daily-quotidien/260722/t004a-eng.htm", "observation_period": "2025", "retrieved_at": "2026-09-24", "geography": "Montréal census metropolitan area", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "statistics_canada_crime", "upstream_dataset": "Police-reported Crime Severity Index and crime rate by CMA, 2025", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Police-reported Crime Severity Index. Lower is less severe; reporting and enforcement differences affect comparisons.", "observation_values": [ { "metric": "Crime Severity Index", "value": 61.3, "unit": "index; 2006 Canada=100" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Montréal", "metric": "context.climate", "label": "Climate normals", "unit": "text", "published_value": { "display": "1991–2020 daily-average normals: January -9.2°C; July 21.7°C; annual 7.0°C (Montreal Trudeau (Airport))." }, "basis": "Environment and Climate Change Canada 1991–2020 composite-station climate normals.", "derivation_method": "Directly summarized from the cited official rule or program page; no numeric imputation.", "source_refs": [ "montreal_climate_normals_1991_2020" ], "source_evidence": [ { "source_id": "montreal_climate_normals_1991_2020", "city": "Montréal", "role": "climate", "publisher": "Environment and Climate Change Canada", "title": "Canadian Climate Normals 1991–2020 — Montreal Trudeau (Airport)", "url": "https://climate.weather.gc.ca/climate_normals/results_1991_2020_e.html?climate_id=7025250&dispBack=0", "observation_period": "1991–2020 climate normals", "retrieved_at": "2026-09-24", "geography": "Montreal Trudeau (Airport)", "source_type": "official", "geography_match": "city_station", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "environment_canada_climate_normals", "upstream_dataset": "Canadian Climate Normals 1991–2020 — Montreal Trudeau (Airport)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact official source and observation definition checked during the V5.7 Canada detail build.", "observation_summary": "Daily-average temperature normals for January, July and the annual period.", "observation_values": [ { "metric": "January daily average", "value": -9.2, "unit": "°C" }, { "metric": "July daily average", "value": 21.7, "unit": "°C" }, { "metric": "Annual daily average", "value": 7.0, "unit": "°C" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "New York", "metric": "housing.3br_nonprime", "label": "Three-bedroom non-prime", "unit": "money", "published_value": { "low": 3644.0, "mode": 3644.0, "high": 3644.0, "currency": "USD" }, "basis": "HUD FY2026 three-bedroom Fair Market Rent for the metropolitan/HMFA area.", "derivation_method": "Direct HUD schedule observation. FMR is a gross-rent program benchmark, not an advertised asking-rent quote.", "source_refs": [ "new_york_hud_fmr_2026" ], "source_evidence": [ { "source_id": "new_york_hud_fmr_2026", "city": "New York", "role": "rent_detail", "publisher": "U.S. Department of Housing and Urban Development", "title": "FY 2026 Fair Market Rent Schedule", "url": "https://www.huduser.gov/portal/datasets/fmr/fmr2026/FY2026_FMR_Schedule.pdf", "observation_period": "FY 2026", "retrieved_at": "2026-09-24", "geography": "New York-Newark-Jersey City metro / New York City context", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "hud_fmr", "upstream_dataset": "FY 2026 Fair Market Rent Schedule", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "HUD 3-bedroom Fair Market Rent (gross-rent program benchmark), used as a transparent three-bedroom reference rather than an asking-rent quote.", "observation_values": [ { "metric": "3-bedroom Fair Market Rent", "value": 3644.0, "unit": "USD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "New York", "metric": "housing.mortgage_rate", "label": "Mortgage interest-rate reference", "unit": "percent", "published_value": { "low": 6.95, "mode": 6.95, "high": 6.95 }, "basis": "Freddie Mac national 30-year fixed-rate mortgage average as of 2026-09-17.", "derivation_method": "Direct national reference rate; not adjusted for borrower credit, points, down payment or lender.", "source_refs": [ "new_york_freddie_pmms_2026_09" ], "source_evidence": [ { "source_id": "new_york_freddie_pmms_2026_09", "city": "New York", "role": "mortgage_rate", "publisher": "Freddie Mac", "title": "Primary Mortgage Market Survey", "url": "https://www.freddiemac.com/pmms", "observation_period": "2026-09-17", "retrieved_at": "2026-09-24", "geography": "United States", "source_type": "official", "geography_match": "national", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "freddie_mac_pmms", "upstream_dataset": "Primary Mortgage Market Survey", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "National weekly average for a 30-year fixed-rate mortgage; reference rate, not a personalized quote.", "observation_values": [ { "metric": "30-year fixed-rate mortgage", "value": 6.95, "unit": "percent" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "New York", "metric": "housing.move_in_costs", "label": "Rental move-in cost rules", "unit": "text", "published_value": { "display": "New York generally caps a residential security deposit at one month of rent; landlords cannot stack a separate last-month-rent deposit on top of that security deposit. Local or housing-program rules can add requirements." }, "basis": "Current state/local rental-deposit context from the cited tenant-rights source.", "derivation_method": "Rule text summarized conservatively; users should confirm any local ordinance or housing-program exception.", "source_refs": [ "new_york_move_in_rules_2026" ], "source_evidence": [ { "source_id": "new_york_move_in_rules_2026", "city": "New York", "role": "move_in_rules", "publisher": "New York State Office of the Attorney General", "title": "Residential Tenants’ Rights Guide", "url": "https://ag.ny.gov/publications/residential-tenants-rights-guide", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "New York", "source_type": "official", "geography_match": "state", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "new_york_tenant_rules", "upstream_dataset": "Residential Tenants’ Rights Guide", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "New York generally caps a residential security deposit at one month of rent; landlords cannot stack a separate last-month-rent deposit on top of that security deposit. Local or housing-program rules can add requirements.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "New York", "metric": "utilities.energy_water", "label": "Energy/water for baseline dwelling", "unit": "money", "published_value": { "low": 177.42, "mode": 177.42, "high": 177.42, "currency": "USD" }, "basis": "2024 BLS annual one-person consumer-unit spending on electricity, natural gas, fuel oil/other fuels, and water/public services, divided by 12.", "derivation_method": "Sum four official national expenditure series and divide by 12. National spending proxy; not a local utility tariff.", "source_refs": [ "new_york_bls_electricity_2024", "new_york_bls_natural_gas_2024", "new_york_bls_other_fuels_2024", "new_york_bls_water_2024" ], "source_evidence": [ { "source_id": "new_york_bls_electricity_2024", "city": "New York", "role": "utilities_energy_water", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Electricity by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXUELECTRICLB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Electricity by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual mean for one-person consumer units, accessed through FRED; national spending proxy rather than a local tariff quote.", "observation_values": [ { "metric": "Expenditures: Electricity by Size of Consumer Unit: One Person Consumer Unit", "value": 1197, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "new_york_bls_natural_gas_2024", "city": "New York", "role": "utilities_energy_water", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Natural Gas by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXUNATRLGASLB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Natural Gas by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual mean for one-person consumer units, accessed through FRED; national spending proxy rather than a local tariff quote.", "observation_values": [ { "metric": "Expenditures: Natural Gas by Size of Consumer Unit: One Person Consumer Unit", "value": 329, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "new_york_bls_other_fuels_2024", "city": "New York", "role": "utilities_energy_water", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Fuel Oil and Other Fuels by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXUOTHRFUELLB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Fuel Oil and Other Fuels by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual mean for one-person consumer units, accessed through FRED; national spending proxy rather than a local tariff quote.", "observation_values": [ { "metric": "Expenditures: Fuel Oil and Other Fuels by Size of Consumer Unit: One Person Consumer Unit", "value": 71, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "new_york_bls_water_2024", "city": "New York", "role": "utilities_energy_water", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Water and Other Public Services by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXUWATERLB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Water and Other Public Services by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual mean for one-person consumer units, accessed through FRED; national spending proxy rather than a local tariff quote.", "observation_values": [ { "metric": "Expenditures: Water and Other Public Services by Size of Consumer Unit: One Person Consumer Unit", "value": 532, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "New York", "metric": "utilities.mobile", "label": "Mid-tier mobile plan", "unit": "money", "published_value": { "low": 61.08, "mode": 61.08, "high": 61.08, "currency": "USD" }, "basis": "2024 BLS annual cellular-service expenditure for one-person consumer units, divided by 12.", "derivation_method": "Official national expenditure divided by 12; proxy rather than a local advertised plan quote.", "source_refs": [ "new_york_bls_mobile_2024" ], "source_evidence": [ { "source_id": "new_york_bls_mobile_2024", "city": "New York", "role": "mobile", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Cellular Phone Service by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXU270102LB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Cellular Phone Service by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual cellular-service spending for one-person consumer units, accessed through FRED; national spending proxy.", "observation_values": [ { "metric": "cellular phone service", "value": 733, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "New York", "metric": "food.milk_1l", "label": "Milk 1 L", "unit": "money", "published_value": { "low": 1.12, "mode": 1.14, "high": 1.14, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "new_york_bls_food_milk_2026q3" ], "source_evidence": [ { "source_id": "new_york_bls_food_milk_2026q3", "city": "New York", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Milk, fresh, whole, fortified, per gal. (3.8 lit)", "url": "https://fred.stlouisfed.org/series/APU0000709112", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Milk, fresh, whole, fortified, per gal. (3.8 lit)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 4.317, "source_unit": "USD/US gal", "normalized_value": 1.1404, "normalized_unit": "Milk 1 L" }, { "period": "2026-07", "source_value": 4.313, "source_unit": "USD/US gal", "normalized_value": 1.1394, "normalized_unit": "Milk 1 L" }, { "period": "2026-08", "source_value": 4.229, "source_unit": "USD/US gal", "normalized_value": 1.1172, "normalized_unit": "Milk 1 L" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "New York", "metric": "food.bread_500g", "label": "Bread 500 g", "unit": "money", "published_value": { "low": 2.0, "mode": 2.01, "high": 2.01, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "new_york_bls_food_bread_2026q3" ], "source_evidence": [ { "source_id": "new_york_bls_food_bread_2026q3", "city": "New York", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Bread, white, pan, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000702111", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Bread, white, pan, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 1.814, "source_unit": "USD/lb", "normalized_value": 1.9996, "normalized_unit": "Bread 500 g" }, { "period": "2026-07", "source_value": 1.82, "source_unit": "USD/lb", "normalized_value": 2.0062, "normalized_unit": "Bread 500 g" }, { "period": "2026-08", "source_value": 1.823, "source_unit": "USD/lb", "normalized_value": 2.0095, "normalized_unit": "Bread 500 g" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "New York", "metric": "food.rice_1kg", "label": "Rice/grains 1 kg", "unit": "money", "published_value": { "low": 2.4, "mode": 2.43, "high": 2.45, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "new_york_bls_food_rice_2026q3" ], "source_evidence": [ { "source_id": "new_york_bls_food_rice_2026q3", "city": "New York", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Rice, white, long grain, uncooked, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000701312", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Rice, white, long grain, uncooked, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 1.089, "source_unit": "USD/lb", "normalized_value": 2.4008, "normalized_unit": "Rice/grains 1 kg" }, { "period": "2026-07", "source_value": 1.1, "source_unit": "USD/lb", "normalized_value": 2.4251, "normalized_unit": "Rice/grains 1 kg" }, { "period": "2026-08", "source_value": 1.111, "source_unit": "USD/lb", "normalized_value": 2.4493, "normalized_unit": "Rice/grains 1 kg" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "New York", "metric": "food.eggs_12", "label": "Eggs 12", "unit": "money", "published_value": { "low": 2.14, "mode": 2.19, "high": 2.27, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "new_york_bls_food_eggs_2026q3" ], "source_evidence": [ { "source_id": "new_york_bls_food_eggs_2026q3", "city": "New York", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Eggs, grade A, large, per doz.", "url": "https://fred.stlouisfed.org/series/APU0000708111", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Eggs, grade A, large, per doz.", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 2.141, "source_unit": "USD/dozen", "normalized_value": 2.141, "normalized_unit": "Eggs 12" }, { "period": "2026-07", "source_value": 2.189, "source_unit": "USD/dozen", "normalized_value": 2.189, "normalized_unit": "Eggs 12" }, { "period": "2026-08", "source_value": 2.272, "source_unit": "USD/dozen", "normalized_value": 2.272, "normalized_unit": "Eggs 12" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "New York", "metric": "food.chicken_1kg", "label": "Chicken 1 kg", "unit": "money", "published_value": { "low": 4.42, "mode": 4.44, "high": 4.51, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "new_york_bls_food_chicken_2026q3" ], "source_evidence": [ { "source_id": "new_york_bls_food_chicken_2026q3", "city": "New York", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Chicken, fresh, whole, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000706111", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Chicken, fresh, whole, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 2.044, "source_unit": "USD/lb", "normalized_value": 4.5062, "normalized_unit": "Chicken 1 kg" }, { "period": "2026-07", "source_value": 2.005, "source_unit": "USD/lb", "normalized_value": 4.4203, "normalized_unit": "Chicken 1 kg" }, { "period": "2026-08", "source_value": 2.012, "source_unit": "USD/lb", "normalized_value": 4.4357, "normalized_unit": "Chicken 1 kg" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "New York", "metric": "food.red_meat_1kg", "label": "Red-meat equivalent 1 kg", "unit": "money", "published_value": { "low": 15.05, "mode": 15.18, "high": 15.26, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "new_york_bls_food_beef_2026q3" ], "source_evidence": [ { "source_id": "new_york_bls_food_beef_2026q3", "city": "New York", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Ground beef, 100% beef, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000703112", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Ground beef, 100% beef, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 6.825, "source_unit": "USD/lb", "normalized_value": 15.0465, "normalized_unit": "Red-meat equivalent 1 kg" }, { "period": "2026-07", "source_value": 6.885, "source_unit": "USD/lb", "normalized_value": 15.1788, "normalized_unit": "Red-meat equivalent 1 kg" }, { "period": "2026-08", "source_value": 6.923, "source_unit": "USD/lb", "normalized_value": 15.2626, "normalized_unit": "Red-meat equivalent 1 kg" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "New York", "metric": "food.fruit_1kg", "label": "Representative fruit 1 kg", "unit": "money", "published_value": { "low": 1.42, "mode": 1.43, "high": 1.44, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "new_york_bls_food_banana_2026q3" ], "source_evidence": [ { "source_id": "new_york_bls_food_banana_2026q3", "city": "New York", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Bananas, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000711211", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Bananas, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 0.645, "source_unit": "USD/lb", "normalized_value": 1.422, "normalized_unit": "Representative fruit 1 kg" }, { "period": "2026-07", "source_value": 0.65, "source_unit": "USD/lb", "normalized_value": 1.433, "normalized_unit": "Representative fruit 1 kg" }, { "period": "2026-08", "source_value": 0.652, "source_unit": "USD/lb", "normalized_value": 1.4374, "normalized_unit": "Representative fruit 1 kg" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "New York", "metric": "food.vegetables_1kg", "label": "Representative vegetables 1 kg", "unit": "money", "published_value": { "low": 4.36, "mode": 4.42, "high": 4.75, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "new_york_bls_food_tomato_2026q3" ], "source_evidence": [ { "source_id": "new_york_bls_food_tomato_2026q3", "city": "New York", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Tomatoes, field grown, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000712311", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Tomatoes, field grown, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 2.154, "source_unit": "USD/lb", "normalized_value": 4.7488, "normalized_unit": "Representative vegetables 1 kg" }, { "period": "2026-07", "source_value": 2.003, "source_unit": "USD/lb", "normalized_value": 4.4159, "normalized_unit": "Representative vegetables 1 kg" }, { "period": "2026-08", "source_value": 1.977, "source_unit": "USD/lb", "normalized_value": 4.3585, "normalized_unit": "Representative vegetables 1 kg" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "New York", "metric": "transport.single_fare", "label": "Single adult fare", "unit": "money", "published_value": { "low": 3.0, "mode": 3.0, "high": 3.0, "currency": "USD" }, "basis": "Current adult base fare from the local transit operator.", "derivation_method": "Direct operator fare schedule; range only where bus and rail base fares differ.", "source_refs": [ "new_york_transit_fare_2026" ], "source_evidence": [ { "source_id": "new_york_transit_fare_2026", "city": "New York", "role": "transit_detail", "publisher": "Metropolitan Transportation Authority", "title": "Subway and bus fares", "url": "https://www.mta.info/fares-tolls/subway-bus", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "New York", "source_type": "official", "geography_match": "city_system", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "new_york_transit", "upstream_dataset": "Subway and bus fares", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "Current adult base fare used for the single-fare detail field.", "observation_values": [ { "metric": "single adult fare range", "low": 3.0, "mode": 3.0, "high": 3.0, "unit": "USD/ride" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "New York", "metric": "transport.gasoline_litre", "label": "Gasoline per litre", "unit": "money", "published_value": { "low": 1.08, "mode": 1.09, "high": 1.11, "currency": "USD" }, "basis": "BLS metropolitan-area average regular-unleaded gasoline prices for June–August 2026.", "derivation_method": "Observed three-month range converted from USD/US gallon to USD/litre.", "source_refs": [ "new_york_bls_gasoline_2026q3" ], "source_evidence": [ { "source_id": "new_york_bls_gasoline_2026q3", "city": "New York", "role": "gasoline", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Average Price: Gasoline, unleaded regular", "url": "https://fred.stlouisfed.org/series/APUS12A74714", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "New York area", "source_type": "official_aggregator", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Average Price: Gasoline, unleaded regular", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS metropolitan-area average retail price for regular unleaded gasoline; converted from USD/US gallon to USD/litre.", "observation_values": [ { "period": "2026-06", "value": 4.204, "unit": "USD/US gal" }, { "period": "2026-07", "value": 4.074, "unit": "USD/US gal" }, { "period": "2026-08", "value": 4.125, "unit": "USD/US gal" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "New York", "metric": "health.public_system", "label": "Public healthcare baseline/eligibility", "unit": "text", "published_value": { "display": "New York Medicaid is public health coverage for eligible residents. Eligibility and benefits depend on household, income, age, disability, pregnancy and other program rules; this is context, not an eligibility determination." }, "basis": "Public-program context from the state Medicaid/Medi-Cal authority.", "derivation_method": "Eligibility-sensitive context only; no individualized eligibility claim.", "source_refs": [ "new_york_medicaid_2026" ], "source_evidence": [ { "source_id": "new_york_medicaid_2026", "city": "New York", "role": "public_health", "publisher": "New York State Department of Health", "title": "Medicaid in New York State", "url": "https://www.health.ny.gov/health_care/medicaid/", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "New York-Newark-Jersey City metro / New York City context", "source_type": "official", "geography_match": "state", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "new_york_medicaid", "upstream_dataset": "Medicaid in New York State", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "New York Medicaid is public health coverage for eligible residents. Eligibility and benefits depend on household, income, age, disability, pregnancy and other program rules; this is context, not an eligibility determination.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "New York", "metric": "health.private_cover", "label": "Health-insurance spending proxy", "unit": "money", "published_value": { "low": 206.83, "mode": 206.83, "high": 206.83, "currency": "USD" }, "basis": "2024 BLS annual health-insurance expenditure for one-person consumer units, divided by 12.", "derivation_method": "National average spending proxy across health-insurance expenditures; not a personalized private-plan premium quote.", "source_refs": [ "new_york_bls_health_insurance_2024" ], "source_evidence": [ { "source_id": "new_york_bls_health_insurance_2024", "city": "New York", "role": "health_insurance_spending", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Health Insurance by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXUHLTHINSRLB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Health Insurance by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual health-insurance spending for one-person consumer units, accessed through FRED. This is a national spending proxy, not an insurance premium quote or eligibility estimate.", "observation_values": [ { "metric": "health insurance expenditure", "value": 2482, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "New York", "metric": "income.earnings", "label": "Official mean earnings benchmark", "unit": "money", "published_value": { "low": 7193.33, "mode": 7193.33, "high": 7193.33, "currency": "USD" }, "basis": "BLS OEWS all-occupations mean hourly wage for the metro area, May 2025; annualized at 2,080 hours and divided by 12.", "derivation_method": "Mean hourly wage × 2,080 ÷ 12. Gross benchmark before tax; not a median and not individualized.", "source_refs": [ "new_york_bls_oews_2025" ], "source_evidence": [ { "source_id": "new_york_bls_oews_2025", "city": "New York", "role": "earnings", "publisher": "U.S. Bureau of Labor Statistics", "title": "Occupational Employment and Wages — May 2025", "url": "https://www.bls.gov/regions/northeast/news-release/occupationalemploymentandwages_newyork.htm", "observation_period": "May 2025", "retrieved_at": "2026-09-24", "geography": "New York-Newark-Jersey City metro / New York City context", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "bls_oews", "upstream_dataset": "Occupational Employment and Wages — May 2025", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "All-occupations mean hourly wage from BLS OEWS; annualized at 2,080 hours and divided by 12 for a monthly gross benchmark.", "observation_values": [ { "metric": "all occupations mean hourly wage", "value": 41.5, "unit": "USD/hour" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "New York", "metric": "income.core_cost_share", "label": "Core cost divided by earnings", "unit": "percent", "published_value": { "low": 53.38, "mode": 53.38, "high": 53.38 }, "basis": "CLC core monthly model midpoint of USD 3,840 divided by the BLS-derived monthly gross mean earnings benchmark of USD 7,193.33.", "derivation_method": "Existing source-backed core midpoint ÷ official mean-earnings benchmark × 100. Planning ratio before tax; not an affordability verdict.", "source_refs": [ "new_york_bls_oews_2025", "new_york_rent", "new_york_household", "new_york_transit" ], "source_evidence": [ { "source_id": "new_york_bls_oews_2025", "city": "New York", "role": "earnings", "publisher": "U.S. Bureau of Labor Statistics", "title": "Occupational Employment and Wages — May 2025", "url": "https://www.bls.gov/regions/northeast/news-release/occupationalemploymentandwages_newyork.htm", "observation_period": "May 2025", "retrieved_at": "2026-09-24", "geography": "New York-Newark-Jersey City metro / New York City context", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "bls_oews", "upstream_dataset": "Occupational Employment and Wages — May 2025", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "All-occupations mean hourly wage from BLS OEWS; annualized at 2,080 hours and divided by 12 for a monthly gross benchmark.", "observation_values": [ { "metric": "all occupations mean hourly wage", "value": 41.5, "unit": "USD/hour" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "new_york_rent", "city": "New York", "role": "rent", "publisher": "Leasebreak/LeaseSwap NYC", "title": "NYC 1-bedroom asking-rent series", "url": "https://leaseswap.nyc/rent/report", "observation_period": "2026-09", "retrieved_at": "2026-09-23", "geography": "New York City", "source_type": "market_index", "geography_match": "city", "quality_score": 2, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "leasebreak_leaseswap_nyc", "upstream_dataset": "NYC 1-bedroom asking-rent series", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "NYC 1-bedroom asking-rent series — used as rent evidence for New York. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "new_york_household", "city": "New York", "role": "household", "publisher": "U.S. Bureau of Labor Statistics", "title": "Consumer Expenditures in New York metro 2023-24", "url": "https://www.bls.gov/regions/northeast/news-release/consumerexpenditures_newyork.htm", "observation_period": "2023-24", "retrieved_at": "2026-09-23", "geography": "New York-Newark-Jersey City metro", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 2, "definition_match_score": 3, "independence_cluster": "u_s_bureau_of_labor_statistics", "upstream_dataset": "Consumer Expenditures in New York metro 2023-24", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Consumer Expenditures in New York metro 2023-24 — used as household evidence for New York. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "new_york_transit", "city": "New York", "role": "transit", "publisher": "MTA", "title": "2026 fare materials / OMNY fare capping", "url": "https://www.mta.info/document/186881", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "New York City", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "mta", "upstream_dataset": "2026 fare materials / OMNY fare capping", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "2026 fare materials / OMNY fare capping — used as transit evidence for New York. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" } ], "confidence": "Medium" }, { "city": "New York", "metric": "income.after_core", "label": "Income remaining after core spend", "unit": "money", "published_value": { "low": 3353.33, "mode": 3353.33, "high": 3353.33, "currency": "USD" }, "basis": "BLS-derived monthly gross mean earnings benchmark less the existing CLC core monthly model midpoint of USD 3,840.", "derivation_method": "Official mean-earnings benchmark minus existing core midpoint. Before tax and before costs outside the six-component core.", "source_refs": [ "new_york_bls_oews_2025", "new_york_rent", "new_york_household", "new_york_transit" ], "source_evidence": [ { "source_id": "new_york_bls_oews_2025", "city": "New York", "role": "earnings", "publisher": "U.S. Bureau of Labor Statistics", "title": "Occupational Employment and Wages — May 2025", "url": "https://www.bls.gov/regions/northeast/news-release/occupationalemploymentandwages_newyork.htm", "observation_period": "May 2025", "retrieved_at": "2026-09-24", "geography": "New York-Newark-Jersey City metro / New York City context", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "bls_oews", "upstream_dataset": "Occupational Employment and Wages — May 2025", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "All-occupations mean hourly wage from BLS OEWS; annualized at 2,080 hours and divided by 12 for a monthly gross benchmark.", "observation_values": [ { "metric": "all occupations mean hourly wage", "value": 41.5, "unit": "USD/hour" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "new_york_rent", "city": "New York", "role": "rent", "publisher": "Leasebreak/LeaseSwap NYC", "title": "NYC 1-bedroom asking-rent series", "url": "https://leaseswap.nyc/rent/report", "observation_period": "2026-09", "retrieved_at": "2026-09-23", "geography": "New York City", "source_type": "market_index", "geography_match": "city", "quality_score": 2, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "leasebreak_leaseswap_nyc", "upstream_dataset": "NYC 1-bedroom asking-rent series", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "NYC 1-bedroom asking-rent series — used as rent evidence for New York. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "new_york_household", "city": "New York", "role": "household", "publisher": "U.S. Bureau of Labor Statistics", "title": "Consumer Expenditures in New York metro 2023-24", "url": "https://www.bls.gov/regions/northeast/news-release/consumerexpenditures_newyork.htm", "observation_period": "2023-24", "retrieved_at": "2026-09-23", "geography": "New York-Newark-Jersey City metro", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 2, "definition_match_score": 3, "independence_cluster": "u_s_bureau_of_labor_statistics", "upstream_dataset": "Consumer Expenditures in New York metro 2023-24", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Consumer Expenditures in New York metro 2023-24 — used as household evidence for New York. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "new_york_transit", "city": "New York", "role": "transit", "publisher": "MTA", "title": "2026 fare materials / OMNY fare capping", "url": "https://www.mta.info/document/186881", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "New York City", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "mta", "upstream_dataset": "2026 fare materials / OMNY fare capping", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "2026 fare materials / OMNY fare capping — used as transit evidence for New York. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" } ], "confidence": "Medium" }, { "city": "New York", "metric": "tax.context", "label": "Tax structure", "unit": "text", "published_value": { "display": "2026 federal marginal individual income-tax rates run from 10% to 37%. New York also uses graduated state personal-income-tax rates, and New York City residents can face a separate city personal income tax. Actual liability depends on filing status, deductions, credits and residency." }, "basis": "Federal and state tax-structure context from official tax authorities.", "derivation_method": "Descriptive bracket/rate context only; no tax-liability calculation.", "source_refs": [ "new_york_irs_tax_2026", "new_york_state_tax_2026" ], "source_evidence": [ { "source_id": "new_york_irs_tax_2026", "city": "New York", "role": "tax_context", "publisher": "Internal Revenue Service", "title": "IRS releases tax inflation adjustments for tax year 2026", "url": "https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-bill", "observation_period": "2026 tax year", "retrieved_at": "2026-09-24", "geography": "United States", "source_type": "official", "geography_match": "national", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "irs", "upstream_dataset": "IRS releases tax inflation adjustments for tax year 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "Federal individual income-tax brackets and standard deductions for tax year 2026.", "observation_values": [ { "metric": "federal marginal rate range", "low": 10, "high": 37, "unit": "percent" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "new_york_state_tax_2026", "city": "New York", "role": "tax_context", "publisher": "New York State Department of Taxation and Finance", "title": "Personal income tax — provisions in effect for 2026", "url": "https://www.tax.ny.gov/data/stats/ter/fiscal-year27/personal-income-tax.htm", "observation_period": "2026 context / latest published schedule where noted", "retrieved_at": "2026-09-24", "geography": "New York", "source_type": "official", "geography_match": "state", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "new_york_state_tax", "upstream_dataset": "Personal income tax — provisions in effect for 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "2026 federal marginal individual income-tax rates run from 10% to 37%. New York also uses graduated state personal-income-tax rates, and New York City residents can face a separate city personal income tax. Actual liability depends on filing status, deductions, credits and residency.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "New York", "metric": "context.climate", "label": "Climate normals", "unit": "text", "published_value": { "display": "NOAA 1991–2020 normals at New York Central Park: annual mean about 13.2 °C; January mean about 0.9 °C; July mean about 25.3 °C." }, "basis": "NOAA 1991–2020 climate normals for a representative city weather station.", "derivation_method": "Direct climate-normal observations converted from °F to °C and rounded to one decimal.", "source_refs": [ "new_york_noaa_normals_1991_2020" ], "source_evidence": [ { "source_id": "new_york_noaa_normals_1991_2020", "city": "New York", "role": "climate", "publisher": "NOAA National Centers for Environmental Information", "title": "U.S. Climate Normals 1991–2020 — Monthly Normals", "url": "https://www.ncei.noaa.gov/access/services/data/v1?dataset=normals-monthly-1991-2020&startDate=0001-01-01&endDate=9996-12-31&format=pdf&stations=USW00094728", "observation_period": "1991–2020 climate normals", "retrieved_at": "2026-09-24", "geography": "New York station", "source_type": "official", "geography_match": "city_station", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "noaa_climate_normals", "upstream_dataset": "U.S. Climate Normals 1991–2020 — Monthly Normals", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "NOAA 1991–2020 normals at New York Central Park: annual mean about 13.2 °C; January mean about 0.9 °C; July mean about 25.3 °C.", "observation_values": [ { "metric": "January mean", "value": 0.9, "unit": "°C" }, { "metric": "July mean", "value": 25.3, "unit": "°C" }, { "metric": "Annual mean", "value": 13.2, "unit": "°C" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Los Angeles", "metric": "housing.3br_nonprime", "label": "Three-bedroom non-prime", "unit": "money", "published_value": { "low": 3298.0, "mode": 3298.0, "high": 3298.0, "currency": "USD" }, "basis": "HUD FY2026 three-bedroom Fair Market Rent for the metropolitan/HMFA area.", "derivation_method": "Direct HUD schedule observation. FMR is a gross-rent program benchmark, not an advertised asking-rent quote.", "source_refs": [ "los_angeles_hud_fmr_2026" ], "source_evidence": [ { "source_id": "los_angeles_hud_fmr_2026", "city": "Los Angeles", "role": "rent_detail", "publisher": "U.S. Department of Housing and Urban Development", "title": "FY 2026 Fair Market Rent Schedule", "url": "https://www.huduser.gov/portal/datasets/fmr/fmr2026/FY2026_FMR_Schedule.pdf", "observation_period": "FY 2026", "retrieved_at": "2026-09-24", "geography": "Los Angeles-Long Beach-Anaheim metro / Los Angeles context", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "hud_fmr", "upstream_dataset": "FY 2026 Fair Market Rent Schedule", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "HUD 3-bedroom Fair Market Rent (gross-rent program benchmark), used as a transparent three-bedroom reference rather than an asking-rent quote.", "observation_values": [ { "metric": "3-bedroom Fair Market Rent", "value": 3298.0, "unit": "USD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Los Angeles", "metric": "housing.mortgage_rate", "label": "Mortgage interest-rate reference", "unit": "percent", "published_value": { "low": 6.95, "mode": 6.95, "high": 6.95 }, "basis": "Freddie Mac national 30-year fixed-rate mortgage average as of 2026-09-17.", "derivation_method": "Direct national reference rate; not adjusted for borrower credit, points, down payment or lender.", "source_refs": [ "los_angeles_freddie_pmms_2026_09" ], "source_evidence": [ { "source_id": "los_angeles_freddie_pmms_2026_09", "city": "Los Angeles", "role": "mortgage_rate", "publisher": "Freddie Mac", "title": "Primary Mortgage Market Survey", "url": "https://www.freddiemac.com/pmms", "observation_period": "2026-09-17", "retrieved_at": "2026-09-24", "geography": "United States", "source_type": "official", "geography_match": "national", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "freddie_mac_pmms", "upstream_dataset": "Primary Mortgage Market Survey", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "National weekly average for a 30-year fixed-rate mortgage; reference rate, not a personalized quote.", "observation_values": [ { "metric": "30-year fixed-rate mortgage", "value": 6.95, "unit": "percent" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Los Angeles", "metric": "housing.move_in_costs", "label": "Rental move-in cost rules", "unit": "text", "published_value": { "display": "For most California residential rentals, the security deposit is capped at one month of rent. A limited small-landlord exception can allow up to two months of rent; other local protections may also apply." }, "basis": "Current state/local rental-deposit context from the cited tenant-rights source.", "derivation_method": "Rule text summarized conservatively; users should confirm any local ordinance or housing-program exception.", "source_refs": [ "los_angeles_move_in_rules_2026" ], "source_evidence": [ { "source_id": "los_angeles_move_in_rules_2026", "city": "Los Angeles", "role": "move_in_rules", "publisher": "California Department of Justice, Office of the Attorney General", "title": "Landlord-Tenant Issues — Security Deposits", "url": "https://oag.ca.gov/tenants", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Los Angeles", "source_type": "official", "geography_match": "state", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "los_angeles_tenant_rules", "upstream_dataset": "Landlord-Tenant Issues — Security Deposits", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "For most California residential rentals, the security deposit is capped at one month of rent. A limited small-landlord exception can allow up to two months of rent; other local protections may also apply.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "Los Angeles", "metric": "utilities.energy_water", "label": "Energy/water for baseline dwelling", "unit": "money", "published_value": { "low": 177.42, "mode": 177.42, "high": 177.42, "currency": "USD" }, "basis": "2024 BLS annual one-person consumer-unit spending on electricity, natural gas, fuel oil/other fuels, and water/public services, divided by 12.", "derivation_method": "Sum four official national expenditure series and divide by 12. National spending proxy; not a local utility tariff.", "source_refs": [ "los_angeles_bls_electricity_2024", "los_angeles_bls_natural_gas_2024", "los_angeles_bls_other_fuels_2024", "los_angeles_bls_water_2024" ], "source_evidence": [ { "source_id": "los_angeles_bls_electricity_2024", "city": "Los Angeles", "role": "utilities_energy_water", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Electricity by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXUELECTRICLB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Electricity by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual mean for one-person consumer units, accessed through FRED; national spending proxy rather than a local tariff quote.", "observation_values": [ { "metric": "Expenditures: Electricity by Size of Consumer Unit: One Person Consumer Unit", "value": 1197, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "los_angeles_bls_natural_gas_2024", "city": "Los Angeles", "role": "utilities_energy_water", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Natural Gas by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXUNATRLGASLB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Natural Gas by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual mean for one-person consumer units, accessed through FRED; national spending proxy rather than a local tariff quote.", "observation_values": [ { "metric": "Expenditures: Natural Gas by Size of Consumer Unit: One Person Consumer Unit", "value": 329, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "los_angeles_bls_other_fuels_2024", "city": "Los Angeles", "role": "utilities_energy_water", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Fuel Oil and Other Fuels by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXUOTHRFUELLB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Fuel Oil and Other Fuels by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual mean for one-person consumer units, accessed through FRED; national spending proxy rather than a local tariff quote.", "observation_values": [ { "metric": "Expenditures: Fuel Oil and Other Fuels by Size of Consumer Unit: One Person Consumer Unit", "value": 71, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "los_angeles_bls_water_2024", "city": "Los Angeles", "role": "utilities_energy_water", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Water and Other Public Services by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXUWATERLB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Water and Other Public Services by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual mean for one-person consumer units, accessed through FRED; national spending proxy rather than a local tariff quote.", "observation_values": [ { "metric": "Expenditures: Water and Other Public Services by Size of Consumer Unit: One Person Consumer Unit", "value": 532, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Los Angeles", "metric": "utilities.mobile", "label": "Mid-tier mobile plan", "unit": "money", "published_value": { "low": 61.08, "mode": 61.08, "high": 61.08, "currency": "USD" }, "basis": "2024 BLS annual cellular-service expenditure for one-person consumer units, divided by 12.", "derivation_method": "Official national expenditure divided by 12; proxy rather than a local advertised plan quote.", "source_refs": [ "los_angeles_bls_mobile_2024" ], "source_evidence": [ { "source_id": "los_angeles_bls_mobile_2024", "city": "Los Angeles", "role": "mobile", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Cellular Phone Service by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXU270102LB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Cellular Phone Service by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual cellular-service spending for one-person consumer units, accessed through FRED; national spending proxy.", "observation_values": [ { "metric": "cellular phone service", "value": 733, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Los Angeles", "metric": "food.milk_1l", "label": "Milk 1 L", "unit": "money", "published_value": { "low": 1.12, "mode": 1.14, "high": 1.14, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "los_angeles_bls_food_milk_2026q3" ], "source_evidence": [ { "source_id": "los_angeles_bls_food_milk_2026q3", "city": "Los Angeles", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Milk, fresh, whole, fortified, per gal. (3.8 lit)", "url": "https://fred.stlouisfed.org/series/APU0000709112", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Milk, fresh, whole, fortified, per gal. (3.8 lit)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 4.317, "source_unit": "USD/US gal", "normalized_value": 1.1404, "normalized_unit": "Milk 1 L" }, { "period": "2026-07", "source_value": 4.313, "source_unit": "USD/US gal", "normalized_value": 1.1394, "normalized_unit": "Milk 1 L" }, { "period": "2026-08", "source_value": 4.229, "source_unit": "USD/US gal", "normalized_value": 1.1172, "normalized_unit": "Milk 1 L" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Los Angeles", "metric": "food.bread_500g", "label": "Bread 500 g", "unit": "money", "published_value": { "low": 2.0, "mode": 2.01, "high": 2.01, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "los_angeles_bls_food_bread_2026q3" ], "source_evidence": [ { "source_id": "los_angeles_bls_food_bread_2026q3", "city": "Los Angeles", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Bread, white, pan, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000702111", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Bread, white, pan, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 1.814, "source_unit": "USD/lb", "normalized_value": 1.9996, "normalized_unit": "Bread 500 g" }, { "period": "2026-07", "source_value": 1.82, "source_unit": "USD/lb", "normalized_value": 2.0062, "normalized_unit": "Bread 500 g" }, { "period": "2026-08", "source_value": 1.823, "source_unit": "USD/lb", "normalized_value": 2.0095, "normalized_unit": "Bread 500 g" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Los Angeles", "metric": "food.rice_1kg", "label": "Rice/grains 1 kg", "unit": "money", "published_value": { "low": 2.4, "mode": 2.43, "high": 2.45, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "los_angeles_bls_food_rice_2026q3" ], "source_evidence": [ { "source_id": "los_angeles_bls_food_rice_2026q3", "city": "Los Angeles", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Rice, white, long grain, uncooked, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000701312", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Rice, white, long grain, uncooked, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 1.089, "source_unit": "USD/lb", "normalized_value": 2.4008, "normalized_unit": "Rice/grains 1 kg" }, { "period": "2026-07", "source_value": 1.1, "source_unit": "USD/lb", "normalized_value": 2.4251, "normalized_unit": "Rice/grains 1 kg" }, { "period": "2026-08", "source_value": 1.111, "source_unit": "USD/lb", "normalized_value": 2.4493, "normalized_unit": "Rice/grains 1 kg" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Los Angeles", "metric": "food.eggs_12", "label": "Eggs 12", "unit": "money", "published_value": { "low": 2.14, "mode": 2.19, "high": 2.27, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "los_angeles_bls_food_eggs_2026q3" ], "source_evidence": [ { "source_id": "los_angeles_bls_food_eggs_2026q3", "city": "Los Angeles", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Eggs, grade A, large, per doz.", "url": "https://fred.stlouisfed.org/series/APU0000708111", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Eggs, grade A, large, per doz.", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 2.141, "source_unit": "USD/dozen", "normalized_value": 2.141, "normalized_unit": "Eggs 12" }, { "period": "2026-07", "source_value": 2.189, "source_unit": "USD/dozen", "normalized_value": 2.189, "normalized_unit": "Eggs 12" }, { "period": "2026-08", "source_value": 2.272, "source_unit": "USD/dozen", "normalized_value": 2.272, "normalized_unit": "Eggs 12" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Los Angeles", "metric": "food.chicken_1kg", "label": "Chicken 1 kg", "unit": "money", "published_value": { "low": 4.42, "mode": 4.44, "high": 4.51, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "los_angeles_bls_food_chicken_2026q3" ], "source_evidence": [ { "source_id": "los_angeles_bls_food_chicken_2026q3", "city": "Los Angeles", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Chicken, fresh, whole, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000706111", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Chicken, fresh, whole, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 2.044, "source_unit": "USD/lb", "normalized_value": 4.5062, "normalized_unit": "Chicken 1 kg" }, { "period": "2026-07", "source_value": 2.005, "source_unit": "USD/lb", "normalized_value": 4.4203, "normalized_unit": "Chicken 1 kg" }, { "period": "2026-08", "source_value": 2.012, "source_unit": "USD/lb", "normalized_value": 4.4357, "normalized_unit": "Chicken 1 kg" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Los Angeles", "metric": "food.red_meat_1kg", "label": "Red-meat equivalent 1 kg", "unit": "money", "published_value": { "low": 15.05, "mode": 15.18, "high": 15.26, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "los_angeles_bls_food_beef_2026q3" ], "source_evidence": [ { "source_id": "los_angeles_bls_food_beef_2026q3", "city": "Los Angeles", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Ground beef, 100% beef, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000703112", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Ground beef, 100% beef, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 6.825, "source_unit": "USD/lb", "normalized_value": 15.0465, "normalized_unit": "Red-meat equivalent 1 kg" }, { "period": "2026-07", "source_value": 6.885, "source_unit": "USD/lb", "normalized_value": 15.1788, "normalized_unit": "Red-meat equivalent 1 kg" }, { "period": "2026-08", "source_value": 6.923, "source_unit": "USD/lb", "normalized_value": 15.2626, "normalized_unit": "Red-meat equivalent 1 kg" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Los Angeles", "metric": "food.fruit_1kg", "label": "Representative fruit 1 kg", "unit": "money", "published_value": { "low": 1.42, "mode": 1.43, "high": 1.44, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "los_angeles_bls_food_banana_2026q3" ], "source_evidence": [ { "source_id": "los_angeles_bls_food_banana_2026q3", "city": "Los Angeles", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Bananas, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000711211", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Bananas, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 0.645, "source_unit": "USD/lb", "normalized_value": 1.422, "normalized_unit": "Representative fruit 1 kg" }, { "period": "2026-07", "source_value": 0.65, "source_unit": "USD/lb", "normalized_value": 1.433, "normalized_unit": "Representative fruit 1 kg" }, { "period": "2026-08", "source_value": 0.652, "source_unit": "USD/lb", "normalized_value": 1.4374, "normalized_unit": "Representative fruit 1 kg" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Los Angeles", "metric": "food.vegetables_1kg", "label": "Representative vegetables 1 kg", "unit": "money", "published_value": { "low": 4.36, "mode": 4.42, "high": 4.75, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "los_angeles_bls_food_tomato_2026q3" ], "source_evidence": [ { "source_id": "los_angeles_bls_food_tomato_2026q3", "city": "Los Angeles", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Tomatoes, field grown, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000712311", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Tomatoes, field grown, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 2.154, "source_unit": "USD/lb", "normalized_value": 4.7488, "normalized_unit": "Representative vegetables 1 kg" }, { "period": "2026-07", "source_value": 2.003, "source_unit": "USD/lb", "normalized_value": 4.4159, "normalized_unit": "Representative vegetables 1 kg" }, { "period": "2026-08", "source_value": 1.977, "source_unit": "USD/lb", "normalized_value": 4.3585, "normalized_unit": "Representative vegetables 1 kg" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Los Angeles", "metric": "transport.single_fare", "label": "Single adult fare", "unit": "money", "published_value": { "low": 1.75, "mode": 1.75, "high": 1.75, "currency": "USD" }, "basis": "Current adult base fare from the local transit operator.", "derivation_method": "Direct operator fare schedule; range only where bus and rail base fares differ.", "source_refs": [ "los_angeles_transit_fare_2026" ], "source_evidence": [ { "source_id": "los_angeles_transit_fare_2026", "city": "Los Angeles", "role": "transit_detail", "publisher": "Los Angeles County Metropolitan Transportation Authority", "title": "Metro fares", "url": "https://www.metro.net/riding/fares/", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Los Angeles", "source_type": "official", "geography_match": "city_system", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "los_angeles_transit", "upstream_dataset": "Metro fares", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "Current adult base fare used for the single-fare detail field.", "observation_values": [ { "metric": "single adult fare range", "low": 1.75, "mode": 1.75, "high": 1.75, "unit": "USD/ride" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Los Angeles", "metric": "transport.gasoline_litre", "label": "Gasoline per litre", "unit": "money", "published_value": { "low": 1.44, "mode": 1.48, "high": 1.49, "currency": "USD" }, "basis": "BLS metropolitan-area average regular-unleaded gasoline prices for June–August 2026.", "derivation_method": "Observed three-month range converted from USD/US gallon to USD/litre.", "source_refs": [ "los_angeles_bls_gasoline_2026q3" ], "source_evidence": [ { "source_id": "los_angeles_bls_gasoline_2026q3", "city": "Los Angeles", "role": "gasoline", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Average Price: Gasoline, unleaded regular", "url": "https://fred.stlouisfed.org/series/APUS49A74714", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "Los Angeles area", "source_type": "official_aggregator", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Average Price: Gasoline, unleaded regular", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS metropolitan-area average retail price for regular unleaded gasoline; converted from USD/US gallon to USD/litre.", "observation_values": [ { "period": "2026-06", "value": 5.643, "unit": "USD/US gal" }, { "period": "2026-07", "value": 5.452, "unit": "USD/US gal" }, { "period": "2026-08", "value": 5.619, "unit": "USD/US gal" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Los Angeles", "metric": "health.public_system", "label": "Public healthcare baseline/eligibility", "unit": "text", "published_value": { "display": "Medi-Cal provides free or low-cost public health coverage to qualifying California residents. Eligibility and scope vary by income, household and other rules, and some immigration-related enrollment rules changed in 2026." }, "basis": "Public-program context from the state Medicaid/Medi-Cal authority.", "derivation_method": "Eligibility-sensitive context only; no individualized eligibility claim.", "source_refs": [ "los_angeles_medicaid_2026" ], "source_evidence": [ { "source_id": "los_angeles_medicaid_2026", "city": "Los Angeles", "role": "public_health", "publisher": "California Department of Health Care Services", "title": "Medi-Cal", "url": "https://www.dhcs.ca.gov/medi-cal/", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Los Angeles-Long Beach-Anaheim metro / Los Angeles context", "source_type": "official", "geography_match": "state", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "los_angeles_medicaid", "upstream_dataset": "Medi-Cal", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "Medi-Cal provides free or low-cost public health coverage to qualifying California residents. Eligibility and scope vary by income, household and other rules, and some immigration-related enrollment rules changed in 2026.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "Los Angeles", "metric": "health.private_cover", "label": "Health-insurance spending proxy", "unit": "money", "published_value": { "low": 206.83, "mode": 206.83, "high": 206.83, "currency": "USD" }, "basis": "2024 BLS annual health-insurance expenditure for one-person consumer units, divided by 12.", "derivation_method": "National average spending proxy across health-insurance expenditures; not a personalized private-plan premium quote.", "source_refs": [ "los_angeles_bls_health_insurance_2024" ], "source_evidence": [ { "source_id": "los_angeles_bls_health_insurance_2024", "city": "Los Angeles", "role": "health_insurance_spending", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Health Insurance by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXUHLTHINSRLB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Health Insurance by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual health-insurance spending for one-person consumer units, accessed through FRED. This is a national spending proxy, not an insurance premium quote or eligibility estimate.", "observation_values": [ { "metric": "health insurance expenditure", "value": 2482, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Los Angeles", "metric": "income.earnings", "label": "Official mean earnings benchmark", "unit": "money", "published_value": { "low": 6439.33, "mode": 6439.33, "high": 6439.33, "currency": "USD" }, "basis": "BLS OEWS all-occupations mean hourly wage for the metro area, May 2025; annualized at 2,080 hours and divided by 12.", "derivation_method": "Mean hourly wage × 2,080 ÷ 12. Gross benchmark before tax; not a median and not individualized.", "source_refs": [ "los_angeles_bls_oews_2025" ], "source_evidence": [ { "source_id": "los_angeles_bls_oews_2025", "city": "Los Angeles", "role": "earnings", "publisher": "U.S. Bureau of Labor Statistics", "title": "Occupational Employment and Wages — May 2025", "url": "https://www.bls.gov/regions/west/news-release/occupationalemploymentandwages_losangeles.htm", "observation_period": "May 2025", "retrieved_at": "2026-09-24", "geography": "Los Angeles-Long Beach-Anaheim metro / Los Angeles context", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "bls_oews", "upstream_dataset": "Occupational Employment and Wages — May 2025", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "All-occupations mean hourly wage from BLS OEWS; annualized at 2,080 hours and divided by 12 for a monthly gross benchmark.", "observation_values": [ { "metric": "all occupations mean hourly wage", "value": 37.15, "unit": "USD/hour" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Los Angeles", "metric": "income.core_cost_share", "label": "Core cost divided by earnings", "unit": "percent", "published_value": { "low": 49.85, "mode": 49.85, "high": 49.85 }, "basis": "CLC core monthly model midpoint of USD 3,210 divided by the BLS-derived monthly gross mean earnings benchmark of USD 6,439.33.", "derivation_method": "Existing source-backed core midpoint ÷ official mean-earnings benchmark × 100. Planning ratio before tax; not an affordability verdict.", "source_refs": [ "los_angeles_bls_oews_2025", "los_angeles_rent", "los_angeles_household", "los_angeles_transit" ], "source_evidence": [ { "source_id": "los_angeles_bls_oews_2025", "city": "Los Angeles", "role": "earnings", "publisher": "U.S. Bureau of Labor Statistics", "title": "Occupational Employment and Wages — May 2025", "url": "https://www.bls.gov/regions/west/news-release/occupationalemploymentandwages_losangeles.htm", "observation_period": "May 2025", "retrieved_at": "2026-09-24", "geography": "Los Angeles-Long Beach-Anaheim metro / Los Angeles context", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "bls_oews", "upstream_dataset": "Occupational Employment and Wages — May 2025", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "All-occupations mean hourly wage from BLS OEWS; annualized at 2,080 hours and divided by 12 for a monthly gross benchmark.", "observation_values": [ { "metric": "all occupations mean hourly wage", "value": 37.15, "unit": "USD/hour" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "los_angeles_rent", "city": "Los Angeles", "role": "rent", "publisher": "Apartment List", "title": "Los Angeles rent / cost guide with current market data", "url": "https://www.apartmentlist.com/renter-life/cost-of-living-in-los-angeles", "observation_period": "2026-08", "retrieved_at": "2026-09-23", "geography": "Los Angeles", "source_type": "market_index", "geography_match": "city", "quality_score": 2, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "apartment_list", "upstream_dataset": "Los Angeles rent / cost guide with current market data", "dedup_checked": true, "url_verification": "SEARCH_RESULT_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "SEARCH_RECONFIRMED", "external_verification_note": "Direct crawler could not reliably fetch the page in this audit environment; current search indexing reconfirmed the exact source/title or official source page.", "observation_summary": "Los Angeles rent / cost guide with current market data — used as rent evidence for Los Angeles. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "los_angeles_household", "city": "Los Angeles", "role": "household", "publisher": "U.S. Bureau of Labor Statistics", "title": "Consumer Expenditures for Los Angeles 2023-24", "url": "https://www.bls.gov/regions/west/news-release/consumerexpenditures_losangeles.htm", "observation_period": "2023-24", "retrieved_at": "2026-09-23", "geography": "Los Angeles metro", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 2, "definition_match_score": 3, "independence_cluster": "u_s_bureau_of_labor_statistics", "upstream_dataset": "Consumer Expenditures for Los Angeles 2023-24", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Consumer Expenditures for Los Angeles 2023-24 — used as household evidence for Los Angeles. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "los_angeles_transit", "city": "Los Angeles", "role": "transit", "publisher": "LA Metro", "title": "Current fares", "url": "https://www.metro.net/fares/", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "Los Angeles", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "la_metro", "upstream_dataset": "Current fares", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Current fares — used as transit evidence for Los Angeles. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" } ], "confidence": "Medium" }, { "city": "Los Angeles", "metric": "income.after_core", "label": "Income remaining after core spend", "unit": "money", "published_value": { "low": 3229.33, "mode": 3229.33, "high": 3229.33, "currency": "USD" }, "basis": "BLS-derived monthly gross mean earnings benchmark less the existing CLC core monthly model midpoint of USD 3,210.", "derivation_method": "Official mean-earnings benchmark minus existing core midpoint. Before tax and before costs outside the six-component core.", "source_refs": [ "los_angeles_bls_oews_2025", "los_angeles_rent", "los_angeles_household", "los_angeles_transit" ], "source_evidence": [ { "source_id": "los_angeles_bls_oews_2025", "city": "Los Angeles", "role": "earnings", "publisher": "U.S. Bureau of Labor Statistics", "title": "Occupational Employment and Wages — May 2025", "url": "https://www.bls.gov/regions/west/news-release/occupationalemploymentandwages_losangeles.htm", "observation_period": "May 2025", "retrieved_at": "2026-09-24", "geography": "Los Angeles-Long Beach-Anaheim metro / Los Angeles context", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "bls_oews", "upstream_dataset": "Occupational Employment and Wages — May 2025", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "All-occupations mean hourly wage from BLS OEWS; annualized at 2,080 hours and divided by 12 for a monthly gross benchmark.", "observation_values": [ { "metric": "all occupations mean hourly wage", "value": 37.15, "unit": "USD/hour" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "los_angeles_rent", "city": "Los Angeles", "role": "rent", "publisher": "Apartment List", "title": "Los Angeles rent / cost guide with current market data", "url": "https://www.apartmentlist.com/renter-life/cost-of-living-in-los-angeles", "observation_period": "2026-08", "retrieved_at": "2026-09-23", "geography": "Los Angeles", "source_type": "market_index", "geography_match": "city", "quality_score": 2, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "apartment_list", "upstream_dataset": "Los Angeles rent / cost guide with current market data", "dedup_checked": true, "url_verification": "SEARCH_RESULT_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "SEARCH_RECONFIRMED", "external_verification_note": "Direct crawler could not reliably fetch the page in this audit environment; current search indexing reconfirmed the exact source/title or official source page.", "observation_summary": "Los Angeles rent / cost guide with current market data — used as rent evidence for Los Angeles. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "los_angeles_household", "city": "Los Angeles", "role": "household", "publisher": "U.S. Bureau of Labor Statistics", "title": "Consumer Expenditures for Los Angeles 2023-24", "url": "https://www.bls.gov/regions/west/news-release/consumerexpenditures_losangeles.htm", "observation_period": "2023-24", "retrieved_at": "2026-09-23", "geography": "Los Angeles metro", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 2, "definition_match_score": 3, "independence_cluster": "u_s_bureau_of_labor_statistics", "upstream_dataset": "Consumer Expenditures for Los Angeles 2023-24", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Consumer Expenditures for Los Angeles 2023-24 — used as household evidence for Los Angeles. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "los_angeles_transit", "city": "Los Angeles", "role": "transit", "publisher": "LA Metro", "title": "Current fares", "url": "https://www.metro.net/fares/", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "Los Angeles", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "la_metro", "upstream_dataset": "Current fares", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Current fares — used as transit evidence for Los Angeles. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" } ], "confidence": "Medium" }, { "city": "Los Angeles", "metric": "tax.context", "label": "Tax structure", "unit": "text", "published_value": { "display": "2026 federal marginal individual income-tax rates run from 10% to 37%. California has a graduated personal-income-tax system; the latest full individual schedule available in this review is tax year 2025, with rates from 1% to 12.3% before the additional 1% tax on taxable income above $1 million. Confirm the applicable filing-year schedule before relying on it." }, "basis": "Federal and state tax-structure context from official tax authorities.", "derivation_method": "Descriptive bracket/rate context only; no tax-liability calculation.", "source_refs": [ "los_angeles_irs_tax_2026", "los_angeles_state_tax_2026" ], "source_evidence": [ { "source_id": "los_angeles_irs_tax_2026", "city": "Los Angeles", "role": "tax_context", "publisher": "Internal Revenue Service", "title": "IRS releases tax inflation adjustments for tax year 2026", "url": "https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-bill", "observation_period": "2026 tax year", "retrieved_at": "2026-09-24", "geography": "United States", "source_type": "official", "geography_match": "national", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "irs", "upstream_dataset": "IRS releases tax inflation adjustments for tax year 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "Federal individual income-tax brackets and standard deductions for tax year 2026.", "observation_values": [ { "metric": "federal marginal rate range", "low": 10, "high": 37, "unit": "percent" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "los_angeles_state_tax_2026", "city": "Los Angeles", "role": "tax_context", "publisher": "California Franchise Tax Board", "title": "2025 Personal Income Tax Booklet — Tax Rate Schedules", "url": "https://www.ftb.ca.gov/forms/2025/2025-540-booklet.html", "observation_period": "2026 context / latest published schedule where noted", "retrieved_at": "2026-09-24", "geography": "Los Angeles", "source_type": "official", "geography_match": "state", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "los_angeles_state_tax", "upstream_dataset": "2025 Personal Income Tax Booklet — Tax Rate Schedules", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "2026 federal marginal individual income-tax rates run from 10% to 37%. California has a graduated personal-income-tax system; the latest full individual schedule available in this review is tax year 2025, with rates from 1% to 12.3% before the additional 1% tax on taxable income above $1 million. Confirm the applicable filing-year schedule before relying on it.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Los Angeles", "metric": "context.climate", "label": "Climate normals", "unit": "text", "published_value": { "display": "NOAA 1991–2020 normals at Los Angeles International Airport: annual mean about 17.6 °C; January mean about 14.4 °C; July mean about 20.9 °C." }, "basis": "NOAA 1991–2020 climate normals for a representative city weather station.", "derivation_method": "Direct climate-normal observations converted from °F to °C and rounded to one decimal.", "source_refs": [ "los_angeles_noaa_normals_1991_2020" ], "source_evidence": [ { "source_id": "los_angeles_noaa_normals_1991_2020", "city": "Los Angeles", "role": "climate", "publisher": "NOAA National Centers for Environmental Information", "title": "U.S. Climate Normals 1991–2020 — Monthly Normals", "url": "https://www.ncei.noaa.gov/access/services/data/v1?dataset=normals-monthly-1991-2020&startDate=0001-01-01&endDate=9996-12-31&format=pdf&stations=USW00023174", "observation_period": "1991–2020 climate normals", "retrieved_at": "2026-09-24", "geography": "Los Angeles station", "source_type": "official", "geography_match": "city_station", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "noaa_climate_normals", "upstream_dataset": "U.S. Climate Normals 1991–2020 — Monthly Normals", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "NOAA 1991–2020 normals at Los Angeles International Airport: annual mean about 17.6 °C; January mean about 14.4 °C; July mean about 20.9 °C.", "observation_values": [ { "metric": "January mean", "value": 14.4, "unit": "°C" }, { "metric": "July mean", "value": 20.9, "unit": "°C" }, { "metric": "Annual mean", "value": 17.6, "unit": "°C" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Chicago", "metric": "housing.3br_nonprime", "label": "Three-bedroom non-prime", "unit": "money", "published_value": { "low": 2294.0, "mode": 2294.0, "high": 2294.0, "currency": "USD" }, "basis": "HUD FY2026 three-bedroom Fair Market Rent for the metropolitan/HMFA area.", "derivation_method": "Direct HUD schedule observation. FMR is a gross-rent program benchmark, not an advertised asking-rent quote.", "source_refs": [ "chicago_hud_fmr_2026" ], "source_evidence": [ { "source_id": "chicago_hud_fmr_2026", "city": "Chicago", "role": "rent_detail", "publisher": "U.S. Department of Housing and Urban Development", "title": "FY 2026 Fair Market Rent Schedule", "url": "https://www.huduser.gov/portal/datasets/fmr/fmr2026/FY2026_FMR_Schedule.pdf", "observation_period": "FY 2026", "retrieved_at": "2026-09-24", "geography": "Chicago-Naperville-Elgin metro / Chicago context", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "hud_fmr", "upstream_dataset": "FY 2026 Fair Market Rent Schedule", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "HUD 3-bedroom Fair Market Rent (gross-rent program benchmark), used as a transparent three-bedroom reference rather than an asking-rent quote.", "observation_values": [ { "metric": "3-bedroom Fair Market Rent", "value": 2294.0, "unit": "USD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Chicago", "metric": "housing.mortgage_rate", "label": "Mortgage interest-rate reference", "unit": "percent", "published_value": { "low": 6.95, "mode": 6.95, "high": 6.95 }, "basis": "Freddie Mac national 30-year fixed-rate mortgage average as of 2026-09-17.", "derivation_method": "Direct national reference rate; not adjusted for borrower credit, points, down payment or lender.", "source_refs": [ "chicago_freddie_pmms_2026_09" ], "source_evidence": [ { "source_id": "chicago_freddie_pmms_2026_09", "city": "Chicago", "role": "mortgage_rate", "publisher": "Freddie Mac", "title": "Primary Mortgage Market Survey", "url": "https://www.freddiemac.com/pmms", "observation_period": "2026-09-17", "retrieved_at": "2026-09-24", "geography": "United States", "source_type": "official", "geography_match": "national", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "freddie_mac_pmms", "upstream_dataset": "Primary Mortgage Market Survey", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "National weekly average for a 30-year fixed-rate mortgage; reference rate, not a personalized quote.", "observation_values": [ { "metric": "30-year fixed-rate mortgage", "value": 6.95, "unit": "percent" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Chicago", "metric": "housing.move_in_costs", "label": "Rental move-in cost rules", "unit": "text", "published_value": { "display": "Illinois has no statewide security-deposit cap for most private rentals; one or two months of rent is common, while local ordinances and certain housing programs can impose separate limits. Chicago renters should check the city ordinance and their housing type." }, "basis": "Current state/local rental-deposit context from the cited tenant-rights source.", "derivation_method": "Rule text summarized conservatively; users should confirm any local ordinance or housing-program exception.", "source_refs": [ "chicago_move_in_rules_2026" ], "source_evidence": [ { "source_id": "chicago_move_in_rules_2026", "city": "Chicago", "role": "move_in_rules", "publisher": "Illinois Legal Aid Online", "title": "Paying a security deposit", "url": "https://www.illinoislegalaid.org/legal-information/paying-security-deposit", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Illinois / Chicago context", "source_type": "legal_aid", "geography_match": "state", "quality_score": 2, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "chicago_tenant_rules", "upstream_dataset": "Paying a security deposit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "Illinois has no statewide security-deposit cap for most private rentals; one or two months of rent is common, while local ordinances and certain housing programs can impose separate limits. Chicago renters should check the city ordinance and their housing type.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Chicago", "metric": "utilities.energy_water", "label": "Energy/water for baseline dwelling", "unit": "money", "published_value": { "low": 177.42, "mode": 177.42, "high": 177.42, "currency": "USD" }, "basis": "2024 BLS annual one-person consumer-unit spending on electricity, natural gas, fuel oil/other fuels, and water/public services, divided by 12.", "derivation_method": "Sum four official national expenditure series and divide by 12. National spending proxy; not a local utility tariff.", "source_refs": [ "chicago_bls_electricity_2024", "chicago_bls_natural_gas_2024", "chicago_bls_other_fuels_2024", "chicago_bls_water_2024" ], "source_evidence": [ { "source_id": "chicago_bls_electricity_2024", "city": "Chicago", "role": "utilities_energy_water", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Electricity by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXUELECTRICLB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Electricity by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual mean for one-person consumer units, accessed through FRED; national spending proxy rather than a local tariff quote.", "observation_values": [ { "metric": "Expenditures: Electricity by Size of Consumer Unit: One Person Consumer Unit", "value": 1197, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "chicago_bls_natural_gas_2024", "city": "Chicago", "role": "utilities_energy_water", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Natural Gas by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXUNATRLGASLB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Natural Gas by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual mean for one-person consumer units, accessed through FRED; national spending proxy rather than a local tariff quote.", "observation_values": [ { "metric": "Expenditures: Natural Gas by Size of Consumer Unit: One Person Consumer Unit", "value": 329, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "chicago_bls_other_fuels_2024", "city": "Chicago", "role": "utilities_energy_water", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Fuel Oil and Other Fuels by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXUOTHRFUELLB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Fuel Oil and Other Fuels by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual mean for one-person consumer units, accessed through FRED; national spending proxy rather than a local tariff quote.", "observation_values": [ { "metric": "Expenditures: Fuel Oil and Other Fuels by Size of Consumer Unit: One Person Consumer Unit", "value": 71, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "chicago_bls_water_2024", "city": "Chicago", "role": "utilities_energy_water", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Water and Other Public Services by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXUWATERLB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Water and Other Public Services by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual mean for one-person consumer units, accessed through FRED; national spending proxy rather than a local tariff quote.", "observation_values": [ { "metric": "Expenditures: Water and Other Public Services by Size of Consumer Unit: One Person Consumer Unit", "value": 532, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Chicago", "metric": "utilities.mobile", "label": "Mid-tier mobile plan", "unit": "money", "published_value": { "low": 61.08, "mode": 61.08, "high": 61.08, "currency": "USD" }, "basis": "2024 BLS annual cellular-service expenditure for one-person consumer units, divided by 12.", "derivation_method": "Official national expenditure divided by 12; proxy rather than a local advertised plan quote.", "source_refs": [ "chicago_bls_mobile_2024" ], "source_evidence": [ { "source_id": "chicago_bls_mobile_2024", "city": "Chicago", "role": "mobile", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Cellular Phone Service by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXU270102LB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Cellular Phone Service by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual cellular-service spending for one-person consumer units, accessed through FRED; national spending proxy.", "observation_values": [ { "metric": "cellular phone service", "value": 733, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Chicago", "metric": "food.milk_1l", "label": "Milk 1 L", "unit": "money", "published_value": { "low": 1.12, "mode": 1.14, "high": 1.14, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "chicago_bls_food_milk_2026q3" ], "source_evidence": [ { "source_id": "chicago_bls_food_milk_2026q3", "city": "Chicago", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Milk, fresh, whole, fortified, per gal. (3.8 lit)", "url": "https://fred.stlouisfed.org/series/APU0000709112", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Milk, fresh, whole, fortified, per gal. (3.8 lit)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 4.317, "source_unit": "USD/US gal", "normalized_value": 1.1404, "normalized_unit": "Milk 1 L" }, { "period": "2026-07", "source_value": 4.313, "source_unit": "USD/US gal", "normalized_value": 1.1394, "normalized_unit": "Milk 1 L" }, { "period": "2026-08", "source_value": 4.229, "source_unit": "USD/US gal", "normalized_value": 1.1172, "normalized_unit": "Milk 1 L" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Chicago", "metric": "food.bread_500g", "label": "Bread 500 g", "unit": "money", "published_value": { "low": 2.0, "mode": 2.01, "high": 2.01, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "chicago_bls_food_bread_2026q3" ], "source_evidence": [ { "source_id": "chicago_bls_food_bread_2026q3", "city": "Chicago", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Bread, white, pan, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000702111", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Bread, white, pan, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 1.814, "source_unit": "USD/lb", "normalized_value": 1.9996, "normalized_unit": "Bread 500 g" }, { "period": "2026-07", "source_value": 1.82, "source_unit": "USD/lb", "normalized_value": 2.0062, "normalized_unit": "Bread 500 g" }, { "period": "2026-08", "source_value": 1.823, "source_unit": "USD/lb", "normalized_value": 2.0095, "normalized_unit": "Bread 500 g" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Chicago", "metric": "food.rice_1kg", "label": "Rice/grains 1 kg", "unit": "money", "published_value": { "low": 2.4, "mode": 2.43, "high": 2.45, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "chicago_bls_food_rice_2026q3" ], "source_evidence": [ { "source_id": "chicago_bls_food_rice_2026q3", "city": "Chicago", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Rice, white, long grain, uncooked, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000701312", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Rice, white, long grain, uncooked, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 1.089, "source_unit": "USD/lb", "normalized_value": 2.4008, "normalized_unit": "Rice/grains 1 kg" }, { "period": "2026-07", "source_value": 1.1, "source_unit": "USD/lb", "normalized_value": 2.4251, "normalized_unit": "Rice/grains 1 kg" }, { "period": "2026-08", "source_value": 1.111, "source_unit": "USD/lb", "normalized_value": 2.4493, "normalized_unit": "Rice/grains 1 kg" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Chicago", "metric": "food.eggs_12", "label": "Eggs 12", "unit": "money", "published_value": { "low": 2.14, "mode": 2.19, "high": 2.27, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "chicago_bls_food_eggs_2026q3" ], "source_evidence": [ { "source_id": "chicago_bls_food_eggs_2026q3", "city": "Chicago", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Eggs, grade A, large, per doz.", "url": "https://fred.stlouisfed.org/series/APU0000708111", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Eggs, grade A, large, per doz.", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 2.141, "source_unit": "USD/dozen", "normalized_value": 2.141, "normalized_unit": "Eggs 12" }, { "period": "2026-07", "source_value": 2.189, "source_unit": "USD/dozen", "normalized_value": 2.189, "normalized_unit": "Eggs 12" }, { "period": "2026-08", "source_value": 2.272, "source_unit": "USD/dozen", "normalized_value": 2.272, "normalized_unit": "Eggs 12" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Chicago", "metric": "food.chicken_1kg", "label": "Chicken 1 kg", "unit": "money", "published_value": { "low": 4.42, "mode": 4.44, "high": 4.51, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "chicago_bls_food_chicken_2026q3" ], "source_evidence": [ { "source_id": "chicago_bls_food_chicken_2026q3", "city": "Chicago", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Chicken, fresh, whole, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000706111", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Chicken, fresh, whole, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 2.044, "source_unit": "USD/lb", "normalized_value": 4.5062, "normalized_unit": "Chicken 1 kg" }, { "period": "2026-07", "source_value": 2.005, "source_unit": "USD/lb", "normalized_value": 4.4203, "normalized_unit": "Chicken 1 kg" }, { "period": "2026-08", "source_value": 2.012, "source_unit": "USD/lb", "normalized_value": 4.4357, "normalized_unit": "Chicken 1 kg" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Chicago", "metric": "food.red_meat_1kg", "label": "Red-meat equivalent 1 kg", "unit": "money", "published_value": { "low": 15.05, "mode": 15.18, "high": 15.26, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "chicago_bls_food_beef_2026q3" ], "source_evidence": [ { "source_id": "chicago_bls_food_beef_2026q3", "city": "Chicago", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Ground beef, 100% beef, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000703112", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Ground beef, 100% beef, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 6.825, "source_unit": "USD/lb", "normalized_value": 15.0465, "normalized_unit": "Red-meat equivalent 1 kg" }, { "period": "2026-07", "source_value": 6.885, "source_unit": "USD/lb", "normalized_value": 15.1788, "normalized_unit": "Red-meat equivalent 1 kg" }, { "period": "2026-08", "source_value": 6.923, "source_unit": "USD/lb", "normalized_value": 15.2626, "normalized_unit": "Red-meat equivalent 1 kg" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Chicago", "metric": "food.fruit_1kg", "label": "Representative fruit 1 kg", "unit": "money", "published_value": { "low": 1.42, "mode": 1.43, "high": 1.44, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "chicago_bls_food_banana_2026q3" ], "source_evidence": [ { "source_id": "chicago_bls_food_banana_2026q3", "city": "Chicago", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Bananas, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000711211", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Bananas, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 0.645, "source_unit": "USD/lb", "normalized_value": 1.422, "normalized_unit": "Representative fruit 1 kg" }, { "period": "2026-07", "source_value": 0.65, "source_unit": "USD/lb", "normalized_value": 1.433, "normalized_unit": "Representative fruit 1 kg" }, { "period": "2026-08", "source_value": 0.652, "source_unit": "USD/lb", "normalized_value": 1.4374, "normalized_unit": "Representative fruit 1 kg" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Chicago", "metric": "food.vegetables_1kg", "label": "Representative vegetables 1 kg", "unit": "money", "published_value": { "low": 4.36, "mode": 4.42, "high": 4.75, "currency": "USD" }, "basis": "BLS U.S. city-average retail prices for June–August 2026, normalized to the site unit.", "derivation_method": "Three-month observed range; national price proxy. Unit conversion only, with no city multiplier or competitor input.", "source_refs": [ "chicago_bls_food_tomato_2026q3" ], "source_evidence": [ { "source_id": "chicago_bls_food_tomato_2026q3", "city": "Chicago", "role": "food_detail", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Tomatoes, field grown, per lb. (453.6 gm)", "url": "https://fred.stlouisfed.org/series/APU0000712311", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "United States city average", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Tomatoes, field grown, per lb. (453.6 gm)", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS U.S. city-average retail price series; converted to the site unit and used as a national proxy, not presented as a city shelf-price observation.", "observation_values": [ { "period": "2026-06", "source_value": 2.154, "source_unit": "USD/lb", "normalized_value": 4.7488, "normalized_unit": "Representative vegetables 1 kg" }, { "period": "2026-07", "source_value": 2.003, "source_unit": "USD/lb", "normalized_value": 4.4159, "normalized_unit": "Representative vegetables 1 kg" }, { "period": "2026-08", "source_value": 1.977, "source_unit": "USD/lb", "normalized_value": 4.3585, "normalized_unit": "Representative vegetables 1 kg" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Chicago", "metric": "transport.single_fare", "label": "Single adult fare", "unit": "money", "published_value": { "low": 2.25, "mode": 2.5, "high": 2.5, "currency": "USD" }, "basis": "Current adult base fare from the local transit operator.", "derivation_method": "Direct operator fare schedule; range only where bus and rail base fares differ.", "source_refs": [ "chicago_transit_fare_2026" ], "source_evidence": [ { "source_id": "chicago_transit_fare_2026", "city": "Chicago", "role": "transit_detail", "publisher": "Chicago Transit Authority", "title": "Fare Information", "url": "https://www.transitchicago.com/fares/", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Chicago", "source_type": "official", "geography_match": "city_system", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "chicago_transit", "upstream_dataset": "Fare Information", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "Current adult base fare used for the single-fare detail field.", "observation_values": [ { "metric": "single adult fare range", "low": 2.25, "mode": 2.5, "high": 2.5, "unit": "USD/ride" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Chicago", "metric": "transport.gasoline_litre", "label": "Gasoline per litre", "unit": "money", "published_value": { "low": 1.1, "mode": 1.15, "high": 1.15, "currency": "USD" }, "basis": "BLS metropolitan-area average regular-unleaded gasoline prices for June–August 2026.", "derivation_method": "Observed three-month range converted from USD/US gallon to USD/litre.", "source_refs": [ "chicago_bls_gasoline_2026q3" ], "source_evidence": [ { "source_id": "chicago_bls_gasoline_2026q3", "city": "Chicago", "role": "gasoline", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Average Price: Gasoline, unleaded regular", "url": "https://fred.stlouisfed.org/series/APUS23A74714", "observation_period": "2026-06 to 2026-08", "retrieved_at": "2026-09-24", "geography": "Chicago area", "source_type": "official_aggregator", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "bls_average_price_data", "upstream_dataset": "Average Price: Gasoline, unleaded regular", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS metropolitan-area average retail price for regular unleaded gasoline; converted from USD/US gallon to USD/litre.", "observation_values": [ { "period": "2026-06", "value": 4.337, "unit": "USD/US gal" }, { "period": "2026-07", "value": 4.164, "unit": "USD/US gal" }, { "period": "2026-08", "value": 4.347, "unit": "USD/US gal" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Chicago", "metric": "health.public_system", "label": "Public healthcare baseline/eligibility", "unit": "text", "published_value": { "display": "Illinois Medicaid provides public health coverage to eligible residents through multiple coverage groups. Eligibility and benefits vary by income, age, pregnancy, disability and other program rules; this is context, not an eligibility determination." }, "basis": "Public-program context from the state Medicaid/Medi-Cal authority.", "derivation_method": "Eligibility-sensitive context only; no individualized eligibility claim.", "source_refs": [ "chicago_medicaid_2026" ], "source_evidence": [ { "source_id": "chicago_medicaid_2026", "city": "Chicago", "role": "public_health", "publisher": "Illinois Department of Healthcare and Family Services", "title": "Illinois Medicaid Guide", "url": "https://hfs.illinois.gov/medicalclients/medicaidguide.html", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Chicago-Naperville-Elgin metro / Chicago context", "source_type": "official", "geography_match": "state", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "chicago_medicaid", "upstream_dataset": "Illinois Medicaid Guide", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "Illinois Medicaid provides public health coverage to eligible residents through multiple coverage groups. Eligibility and benefits vary by income, age, pregnancy, disability and other program rules; this is context, not an eligibility determination.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "Chicago", "metric": "health.private_cover", "label": "Health-insurance spending proxy", "unit": "money", "published_value": { "low": 206.83, "mode": 206.83, "high": 206.83, "currency": "USD" }, "basis": "2024 BLS annual health-insurance expenditure for one-person consumer units, divided by 12.", "derivation_method": "National average spending proxy across health-insurance expenditures; not a personalized private-plan premium quote.", "source_refs": [ "chicago_bls_health_insurance_2024" ], "source_evidence": [ { "source_id": "chicago_bls_health_insurance_2024", "city": "Chicago", "role": "health_insurance_spending", "publisher": "Federal Reserve Bank of St. Louis (FRED); source: U.S. Bureau of Labor Statistics", "title": "Expenditures: Health Insurance by Size of Consumer Unit: One Person Consumer Unit", "url": "https://fred.stlouisfed.org/series/CXUHLTHINSRLB0502M", "observation_period": "2024", "retrieved_at": "2026-09-24", "geography": "United States — one-person consumer units", "source_type": "official_aggregator", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "bls_consumer_expenditure", "upstream_dataset": "Expenditures: Health Insurance by Size of Consumer Unit: One Person Consumer Unit", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "BLS Consumer Expenditure Survey annual health-insurance spending for one-person consumer units, accessed through FRED. This is a national spending proxy, not an insurance premium quote or eligibility estimate.", "observation_values": [ { "metric": "health insurance expenditure", "value": 2482, "unit": "USD/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Chicago", "metric": "income.earnings", "label": "Official mean earnings benchmark", "unit": "money", "published_value": { "low": 6115.2, "mode": 6115.2, "high": 6115.2, "currency": "USD" }, "basis": "BLS OEWS all-occupations mean hourly wage for the metro area, May 2025; annualized at 2,080 hours and divided by 12.", "derivation_method": "Mean hourly wage × 2,080 ÷ 12. Gross benchmark before tax; not a median and not individualized.", "source_refs": [ "chicago_bls_oews_2025" ], "source_evidence": [ { "source_id": "chicago_bls_oews_2025", "city": "Chicago", "role": "earnings", "publisher": "U.S. Bureau of Labor Statistics", "title": "Occupational Employment and Wages — May 2025", "url": "https://www.bls.gov/regions/midwest/news-release/occupationalemploymentandwages_chicago.htm", "observation_period": "May 2025", "retrieved_at": "2026-09-24", "geography": "Chicago-Naperville-Elgin metro / Chicago context", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "bls_oews", "upstream_dataset": "Occupational Employment and Wages — May 2025", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "All-occupations mean hourly wage from BLS OEWS; annualized at 2,080 hours and divided by 12 for a monthly gross benchmark.", "observation_values": [ { "metric": "all occupations mean hourly wage", "value": 35.28, "unit": "USD/hour" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Chicago", "metric": "income.core_cost_share", "label": "Core cost divided by earnings", "unit": "percent", "published_value": { "low": 48.24, "mode": 48.24, "high": 48.24 }, "basis": "CLC core monthly model midpoint of USD 2,950 divided by the BLS-derived monthly gross mean earnings benchmark of USD 6,115.20.", "derivation_method": "Existing source-backed core midpoint ÷ official mean-earnings benchmark × 100. Planning ratio before tax; not an affordability verdict.", "source_refs": [ "chicago_bls_oews_2025", "chicago_rent", "chicago_household", "chicago_transit" ], "source_evidence": [ { "source_id": "chicago_bls_oews_2025", "city": "Chicago", "role": "earnings", "publisher": "U.S. Bureau of Labor Statistics", "title": "Occupational Employment and Wages — May 2025", "url": "https://www.bls.gov/regions/midwest/news-release/occupationalemploymentandwages_chicago.htm", "observation_period": "May 2025", "retrieved_at": "2026-09-24", "geography": "Chicago-Naperville-Elgin metro / Chicago context", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "bls_oews", "upstream_dataset": "Occupational Employment and Wages — May 2025", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "All-occupations mean hourly wage from BLS OEWS; annualized at 2,080 hours and divided by 12 for a monthly gross benchmark.", "observation_values": [ { "metric": "all occupations mean hourly wage", "value": 35.28, "unit": "USD/hour" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "chicago_rent", "city": "Chicago", "role": "rent", "publisher": "Apartment List", "title": "Chicago rent report", "url": "https://www.apartmentlist.com/rent-report/il/chicago", "observation_period": "2026-09", "retrieved_at": "2026-09-23", "geography": "Chicago", "source_type": "market_index", "geography_match": "city", "quality_score": 2, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "chicago_rent", "upstream_dataset": "Chicago rent report", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "Large-market current rent index supplies one-bedroom asking-rent benchmark.", "observation_values": [ { "metric": "1-bedroom rent reference", "value": 1759, "unit": "USD/month", "period": "2026-09" } ], "evidence_extraction_status": "SOURCE_VALUES_OR_METADATA_REVIEWED" }, { "source_id": "chicago_household", "city": "Chicago", "role": "household", "publisher": "U.S. Bureau of Labor Statistics", "title": "Consumer Expenditures in the Chicago Metropolitan Area — 2023–24", "url": "https://www.bls.gov/regions/midwest/news-release/consumerexpenditures_chicago.htm", "observation_period": "2023-24", "retrieved_at": "2026-09-23", "geography": "Chicago-Naperville-Elgin metro", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "chicago_household", "upstream_dataset": "Consumer Expenditures in the Chicago Metropolitan Area — 2023–24", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "BLS metropolitan consumer expenditure data anchors food, utilities and household-category shares.", "observation_values": [ { "metric": "average annual household expenditures", "value": 85415, "unit": "USD/year" }, { "metric": "food share", "value": 13.7, "unit": "percent" } ], "evidence_extraction_status": "SOURCE_VALUES_OR_METADATA_REVIEWED" }, { "source_id": "chicago_transit", "city": "Chicago", "role": "transit", "publisher": "Chicago Transit Authority", "title": "Fare information", "url": "https://www.transitchicago.com/fares/", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "Chicago", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "chicago_transit", "upstream_dataset": "Fare information", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "CTA fare schedule supports regular-transit monthly benchmark.", "observation_values": [ { "metric": "30-day pass", "value": 75, "unit": "USD/month", "period": "2026" } ], "evidence_extraction_status": "SOURCE_VALUES_OR_METADATA_REVIEWED" } ], "confidence": "Medium" }, { "city": "Chicago", "metric": "income.after_core", "label": "Income remaining after core spend", "unit": "money", "published_value": { "low": 3165.2, "mode": 3165.2, "high": 3165.2, "currency": "USD" }, "basis": "BLS-derived monthly gross mean earnings benchmark less the existing CLC core monthly model midpoint of USD 2,950.", "derivation_method": "Official mean-earnings benchmark minus existing core midpoint. Before tax and before costs outside the six-component core.", "source_refs": [ "chicago_bls_oews_2025", "chicago_rent", "chicago_household", "chicago_transit" ], "source_evidence": [ { "source_id": "chicago_bls_oews_2025", "city": "Chicago", "role": "earnings", "publisher": "U.S. Bureau of Labor Statistics", "title": "Occupational Employment and Wages — May 2025", "url": "https://www.bls.gov/regions/midwest/news-release/occupationalemploymentandwages_chicago.htm", "observation_period": "May 2025", "retrieved_at": "2026-09-24", "geography": "Chicago-Naperville-Elgin metro / Chicago context", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "bls_oews", "upstream_dataset": "Occupational Employment and Wages — May 2025", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "All-occupations mean hourly wage from BLS OEWS; annualized at 2,080 hours and divided by 12 for a monthly gross benchmark.", "observation_values": [ { "metric": "all occupations mean hourly wage", "value": 35.28, "unit": "USD/hour" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "chicago_rent", "city": "Chicago", "role": "rent", "publisher": "Apartment List", "title": "Chicago rent report", "url": "https://www.apartmentlist.com/rent-report/il/chicago", "observation_period": "2026-09", "retrieved_at": "2026-09-23", "geography": "Chicago", "source_type": "market_index", "geography_match": "city", "quality_score": 2, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "chicago_rent", "upstream_dataset": "Chicago rent report", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "Large-market current rent index supplies one-bedroom asking-rent benchmark.", "observation_values": [ { "metric": "1-bedroom rent reference", "value": 1759, "unit": "USD/month", "period": "2026-09" } ], "evidence_extraction_status": "SOURCE_VALUES_OR_METADATA_REVIEWED" }, { "source_id": "chicago_household", "city": "Chicago", "role": "household", "publisher": "U.S. Bureau of Labor Statistics", "title": "Consumer Expenditures in the Chicago Metropolitan Area — 2023–24", "url": "https://www.bls.gov/regions/midwest/news-release/consumerexpenditures_chicago.htm", "observation_period": "2023-24", "retrieved_at": "2026-09-23", "geography": "Chicago-Naperville-Elgin metro", "source_type": "official", "geography_match": "metro", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "chicago_household", "upstream_dataset": "Consumer Expenditures in the Chicago Metropolitan Area — 2023–24", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "BLS metropolitan consumer expenditure data anchors food, utilities and household-category shares.", "observation_values": [ { "metric": "average annual household expenditures", "value": 85415, "unit": "USD/year" }, { "metric": "food share", "value": 13.7, "unit": "percent" } ], "evidence_extraction_status": "SOURCE_VALUES_OR_METADATA_REVIEWED" }, { "source_id": "chicago_transit", "city": "Chicago", "role": "transit", "publisher": "Chicago Transit Authority", "title": "Fare information", "url": "https://www.transitchicago.com/fares/", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "Chicago", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "chicago_transit", "upstream_dataset": "Fare information", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source URL reopened directly during final V5.6 source QA; observation role and geography were retained conservatively.", "observation_summary": "CTA fare schedule supports regular-transit monthly benchmark.", "observation_values": [ { "metric": "30-day pass", "value": 75, "unit": "USD/month", "period": "2026" } ], "evidence_extraction_status": "SOURCE_VALUES_OR_METADATA_REVIEWED" } ], "confidence": "Medium" }, { "city": "Chicago", "metric": "tax.context", "label": "Tax structure", "unit": "text", "published_value": { "display": "2026 federal marginal individual income-tax rates run from 10% to 37%. Illinois individual income tax is a flat 4.95% of net income under the state rate table. Credits, exemptions and other rules can materially change actual liability." }, "basis": "Federal and state tax-structure context from official tax authorities.", "derivation_method": "Descriptive bracket/rate context only; no tax-liability calculation.", "source_refs": [ "chicago_irs_tax_2026", "chicago_state_tax_2026" ], "source_evidence": [ { "source_id": "chicago_irs_tax_2026", "city": "Chicago", "role": "tax_context", "publisher": "Internal Revenue Service", "title": "IRS releases tax inflation adjustments for tax year 2026", "url": "https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-bill", "observation_period": "2026 tax year", "retrieved_at": "2026-09-24", "geography": "United States", "source_type": "official", "geography_match": "national", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "irs", "upstream_dataset": "IRS releases tax inflation adjustments for tax year 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "Federal individual income-tax brackets and standard deductions for tax year 2026.", "observation_values": [ { "metric": "federal marginal rate range", "low": 10, "high": 37, "unit": "percent" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "chicago_state_tax_2026", "city": "Chicago", "role": "tax_context", "publisher": "Illinois Department of Revenue", "title": "Income Tax Rates", "url": "https://tax.illinois.gov/research/taxrates/income.html", "observation_period": "2026 context / latest published schedule where noted", "retrieved_at": "2026-09-24", "geography": "Chicago", "source_type": "official", "geography_match": "state", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "chicago_state_tax", "upstream_dataset": "Income Tax Rates", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "2026 federal marginal individual income-tax rates run from 10% to 37%. Illinois individual income tax is a flat 4.95% of net income under the state rate table. Credits, exemptions and other rules can materially change actual liability.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "Chicago", "metric": "context.climate", "label": "Climate normals", "unit": "text", "published_value": { "display": "NOAA 1991–2020 normals at Chicago O’Hare: annual mean about 10.7 °C; January mean about -3.8 °C; July mean about 24.1 °C." }, "basis": "NOAA 1991–2020 climate normals for a representative city weather station.", "derivation_method": "Direct climate-normal observations converted from °F to °C and rounded to one decimal.", "source_refs": [ "chicago_noaa_normals_1991_2020" ], "source_evidence": [ { "source_id": "chicago_noaa_normals_1991_2020", "city": "Chicago", "role": "climate", "publisher": "NOAA National Centers for Environmental Information", "title": "U.S. Climate Normals 1991–2020 — Monthly Normals", "url": "https://www.ncei.noaa.gov/access/services/data/v1?dataset=normals-monthly-1991-2020&startDate=0001-01-01&endDate=9996-12-31&format=pdf&stations=USW00094846", "observation_period": "1991–2020 climate normals", "retrieved_at": "2026-09-24", "geography": "Chicago station", "source_type": "official", "geography_match": "city_station", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "noaa_climate_normals", "upstream_dataset": "U.S. Climate Normals 1991–2020 — Monthly Normals", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.8 U.S. detail build.", "observation_summary": "NOAA 1991–2020 normals at Chicago O’Hare: annual mean about 10.7 °C; January mean about -3.8 °C; July mean about 24.1 °C.", "observation_values": [ { "metric": "January mean", "value": -3.8, "unit": "°C" }, { "metric": "July mean", "value": 24.1, "unit": "°C" }, { "metric": "Annual mean", "value": 10.7, "unit": "°C" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "London", "metric": "housing.1br_central", "label": "One-bedroom central reference", "unit": "money", "published_value": { "low": 2054.0, "mode": 2054.0, "high": 2054.0, "currency": "GBP" }, "basis": "ONS Camden one-bedroom average private rent, August 2026; transparent central-London borough proxy.", "derivation_method": "Direct official borough observation; not a whole-city average.", "source_refs": [ "london_ons_camden_rents_2026_08" ], "source_evidence": [ { "source_id": "london_ons_camden_rents_2026_08", "city": "London", "role": "rent_detail", "publisher": "Office for National Statistics", "title": "Housing prices in Camden", "url": "https://www.ons.gov.uk/visualisations/housingpriceslocal/E09000007/", "observation_period": "August 2026", "retrieved_at": "2026-09-24", "geography": "Camden, London", "source_type": "official", "geography_match": "borough_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "office_for_national_statistics", "upstream_dataset": "Housing prices in Camden", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Official ONS private-rent averages by bedroom count for Camden, used as a transparent central-London proxy.", "observation_values": [ { "metric": "one-bedroom rent", "value": 2054, "unit": "GBP/month" }, { "metric": "three-bedroom rent", "value": 3055, "unit": "GBP/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "London", "metric": "housing.3br_nonprime", "label": "Three-bedroom non-prime", "unit": "money", "published_value": { "low": 2406.0, "mode": 2406.0, "high": 2406.0, "currency": "GBP" }, "basis": "ONS Ealing three-bedroom average private rent, August 2026; transparent non-prime London proxy.", "derivation_method": "Direct official borough observation.", "source_refs": [ "london_ons_ealing_rents_2026_08" ], "source_evidence": [ { "source_id": "london_ons_ealing_rents_2026_08", "city": "London", "role": "rent_detail", "publisher": "Office for National Statistics", "title": "Housing prices in Ealing", "url": "https://www.ons.gov.uk/visualisations/housingpriceslocal/E09000009/", "observation_period": "August 2026", "retrieved_at": "2026-09-24", "geography": "Ealing, London", "source_type": "official", "geography_match": "borough_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "office_for_national_statistics", "upstream_dataset": "Housing prices in Ealing", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Official ONS private-rent averages by bedroom count for Ealing, used as a transparent non-prime London proxy.", "observation_values": [ { "metric": "one-bedroom rent", "value": 1629, "unit": "GBP/month" }, { "metric": "three-bedroom rent", "value": 2406, "unit": "GBP/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "London", "metric": "housing.3br_central", "label": "Three-bedroom central", "unit": "money", "published_value": { "low": 3055.0, "mode": 3055.0, "high": 3055.0, "currency": "GBP" }, "basis": "ONS Camden three-bedroom average private rent, August 2026; central-London proxy.", "derivation_method": "Direct official borough observation.", "source_refs": [ "london_ons_camden_rents_2026_08" ], "source_evidence": [ { "source_id": "london_ons_camden_rents_2026_08", "city": "London", "role": "rent_detail", "publisher": "Office for National Statistics", "title": "Housing prices in Camden", "url": "https://www.ons.gov.uk/visualisations/housingpriceslocal/E09000007/", "observation_period": "August 2026", "retrieved_at": "2026-09-24", "geography": "Camden, London", "source_type": "official", "geography_match": "borough_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "office_for_national_statistics", "upstream_dataset": "Housing prices in Camden", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Official ONS private-rent averages by bedroom count for Camden, used as a transparent central-London proxy.", "observation_values": [ { "metric": "one-bedroom rent", "value": 2054, "unit": "GBP/month" }, { "metric": "three-bedroom rent", "value": 3055, "unit": "GBP/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "London", "metric": "housing.mortgage_rate", "label": "Mortgage reference rate", "unit": "percent", "published_value": { "low": 4.92, "mode": 4.92, "high": 5.32 }, "basis": "Bank of England July 2026 quoted two-year fixed mortgage averages at 75% and 90% LTV.", "derivation_method": "Official national mortgage-rate reference; not a personalized offer.", "source_refs": [ "london_boe_mortgage_2026_07" ], "source_evidence": [ { "source_id": "london_boe_mortgage_2026_07", "city": "London", "role": "mortgage_rate", "publisher": "Bank of England", "title": "Financial Stability Report — July 2026", "url": "https://www.bankofengland.co.uk/financial-stability-report/2026/july-2026", "observation_period": "July 2026", "retrieved_at": "2026-09-24", "geography": "United Kingdom", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "bank_of_england", "upstream_dataset": "Financial Stability Report — July 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Average quoted two-year fixed mortgage rates: 4.92% at 75% LTV and 5.32% at 90% LTV.", "observation_values": [ { "metric": "2-year fixed 75% LTV", "value": 4.92, "unit": "percent" }, { "metric": "2-year fixed 90% LTV", "value": 5.32, "unit": "percent" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "London", "metric": "housing.move_in_costs", "label": "Rental move-in cost rules", "unit": "text", "published_value": { "display": "England tenancy rules: after signing, up to 1 month rent in advance; refundable tenancy deposit generally capped at 5 weeks of rent when annual rent is below £50,000, or 6 weeks at £50,000–£100,000." }, "basis": "Current England tenant-fee rules applying to London private rentals.", "derivation_method": "Descriptive statutory/rule context; actual move-in total depends on rent and tenancy.", "source_refs": [ "london_govuk_tenant_fees_2026" ], "source_evidence": [ { "source_id": "london_govuk_tenant_fees_2026", "city": "London", "role": "move_in_rules", "publisher": "UK Government", "title": "Fees you can charge as part of a tenancy", "url": "https://www.gov.uk/guidance/fees-you-can-charge-as-part-of-a-tenancy", "observation_period": "from 1 May 2026", "retrieved_at": "2026-09-24", "geography": "England", "source_type": "official", "geography_match": "national_subdivision", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "uk_government", "upstream_dataset": "Fees you can charge as part of a tenancy", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Maximum one month rent in advance after signing; refundable tenancy deposit up to five weeks where annual rent is below £50,000, six weeks at £50,000–£100,000.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "London", "metric": "utilities.energy_water", "label": "Energy/water for baseline dwelling", "unit": "money", "published_value": { "low": 190.78, "mode": 190.78, "high": 190.78, "currency": "GBP" }, "basis": "Planning benchmark combining Ofgem current typical dual-fuel price-cap household (£1,663/year) with Thames Water zero/one-bedroom assessed bill (£626.34/year).", "derivation_method": "(Annual energy benchmark + annual assessed water bill) ÷ 12. Both are proxy/reference values, not a dwelling-specific bill.", "source_refs": [ "london_ofgem_cap_2026_q3", "london_thames_water_2026_27" ], "source_evidence": [ { "source_id": "london_ofgem_cap_2026_q3", "city": "London", "role": "utilities_energy_water", "publisher": "Ofgem", "title": "Energy price cap will rise by 13% from July", "url": "https://www.ofgem.gov.uk/press-release/energy-price-cap-will-rise-13-july", "observation_period": "1 Jul–30 Sep 2026", "retrieved_at": "2026-09-24", "geography": "Great Britain", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "ofgem", "upstream_dataset": "Energy price cap will rise by 13% from July", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Current typical dual-fuel direct-debit price-cap benchmark under revised TDCV is £1,663/year.", "observation_values": [ { "metric": "typical annual dual-fuel cap", "value": 1663, "unit": "GBP/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "london_thames_water_2026_27", "city": "London", "role": "utilities_energy_water", "publisher": "Thames Water", "title": "Assessed household charges", "url": "https://www.thameswater.co.uk/help/account-and-billing/understand-your-bill/assessed-household-charges", "observation_period": "2026–27", "retrieved_at": "2026-09-24", "geography": "Thames Water service area / London", "source_type": "official", "geography_match": "utility_service_area", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "thames_water", "upstream_dataset": "Assessed household charges", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Zero/one-bedroom assessed annual household water bill £626.34.", "observation_values": [ { "metric": "zero/one-bedroom assessed bill", "value": 626.34, "unit": "GBP/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "London", "metric": "utilities.internet", "label": "Residential broadband", "unit": "money", "published_value": { "low": 29.99, "mode": 29.99, "high": 29.99, "currency": "GBP" }, "basis": "Current BT Full Fibre 500 promotional operator reference.", "derivation_method": "Direct operator advertised monthly reference; contract/eligibility and future rises can change the bill.", "source_refs": [ "london_bt_full_fibre_2026" ], "source_evidence": [ { "source_id": "london_bt_full_fibre_2026", "city": "London", "role": "internet", "publisher": "BT", "title": "Full Fibre broadband plans", "url": "https://www.bt.com/broadband/full-fibre", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "United Kingdom", "source_type": "operator", "geography_match": "national_operator", "quality_score": 2, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "bt", "upstream_dataset": "Full Fibre broadband plans", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "BT Full Fibre 500 promotional plan reference around £29.99/month; contract and future price rises apply.", "observation_values": [ { "metric": "Full Fibre 500 reference", "value": 29.99, "unit": "GBP/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "London", "metric": "utilities.mobile", "label": "Mid-tier mobile plan", "unit": "money", "published_value": { "low": 16.0, "mode": 21.0, "high": 23.0, "currency": "GBP" }, "basis": "Current EE SIM-only plan range used as a mid-tier operator benchmark.", "derivation_method": "Direct operator plan-reference range; actual plan selection and eligibility vary.", "source_refs": [ "london_ee_sim_2026" ], "source_evidence": [ { "source_id": "london_ee_sim_2026", "city": "London", "role": "mobile", "publisher": "EE", "title": "SIM only deals", "url": "https://ee.co.uk/mobile/sim-only-deals", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "United Kingdom", "source_type": "operator", "geography_match": "national_operator", "quality_score": 2, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "ee", "upstream_dataset": "SIM only deals", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Current EE SIM-only mid-tier reference range used as an operator benchmark; plan terms/eligibility vary.", "observation_values": [ { "metric": "plan range", "low": 16, "mode": 21, "high": 23, "unit": "GBP/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "London", "metric": "transport.single_fare", "label": "Single adult fare", "unit": "money", "published_value": { "low": 3.0, "mode": 3.05, "high": 3.1, "currency": "GBP" }, "basis": "TfL 2026 adult Zone 1 pay-as-you-go fare: £3.00 off-peak and £3.10 peak.", "derivation_method": "Direct operator fare range; midpoint used only for display band.", "source_refs": [ "london_transit" ], "source_evidence": [ { "source_id": "london_transit", "city": "London", "role": "transit", "publisher": "Transport for London", "title": "Adult fares 2026", "url": "https://content.tfl.gov.uk/adult-fares.pdf", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "London", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "transport_for_london", "upstream_dataset": "Adult fares 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Adult fares 2026 — used as transit evidence for London. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" } ], "confidence": "High" }, { "city": "London", "metric": "transport.taxi", "label": "Taxi minimum fare", "unit": "money", "published_value": { "low": 4.4, "mode": 4.4, "high": 4.4, "currency": "GBP" }, "basis": "TfL black-cab minimum fare from 25 April 2026.", "derivation_method": "Direct regulated minimum-fare reference.", "source_refs": [ "london_tfl_taxi_2026" ], "source_evidence": [ { "source_id": "london_tfl_taxi_2026", "city": "London", "role": "taxi", "publisher": "Transport for London", "title": "Taxi fares", "url": "https://tfl.gov.uk/modes/taxis-and-minicabs/taxi-fares", "observation_period": "from 25 Apr 2026", "retrieved_at": "2026-09-24", "geography": "London", "source_type": "operator_regulator", "geography_match": "city_system", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "transport_for_london", "upstream_dataset": "Taxi fares", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "London black-cab minimum fare £4.40 from 25 April 2026.", "observation_values": [ { "metric": "minimum taxi fare", "value": 4.4, "unit": "GBP" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "London", "metric": "transport.gasoline_litre", "label": "Gasoline per litre", "unit": "money", "published_value": { "low": 1.61, "mode": 1.61, "high": 1.61, "currency": "GBP" }, "basis": "ONS UK average petrol price in August 2026; national proxy for London fuel context.", "derivation_method": "161.3 pence per litre converted to GBP 1.613/litre.", "source_refs": [ "london_ons_petrol_2026_08" ], "source_evidence": [ { "source_id": "london_ons_petrol_2026_08", "city": "London", "role": "gasoline", "publisher": "Office for National Statistics", "title": "Consumer price inflation, UK: August 2026", "url": "https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/consumerpriceinflation/august2026", "observation_period": "August 2026", "retrieved_at": "2026-09-24", "geography": "United Kingdom", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "office_for_national_statistics", "upstream_dataset": "Consumer price inflation, UK: August 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Average petrol price 161.3 pence/litre in August 2026.", "observation_values": [ { "metric": "petrol", "value": 1.613, "unit": "GBP/litre" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "London", "metric": "health.public_system", "label": "Public healthcare baseline/eligibility", "unit": "text", "published_value": { "display": "NHS hospital treatment is generally free for people ordinarily resident in the UK. Visitor/immigration status can affect entitlement and some services still carry charges." }, "basis": "NHS residence-based hospital-care entitlement context for London/England.", "derivation_method": "Descriptive health-system context, not eligibility advice.", "source_refs": [ "london_nhs_hospital" ], "source_evidence": [ { "source_id": "london_nhs_hospital", "city": "London", "role": "public_health", "publisher": "NHS", "title": "About NHS hospital services", "url": "https://www.nhs.uk/nhs-services/hospitals/about-nhs-hospital-services/", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "England", "source_type": "official", "geography_match": "national_subdivision", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "nhs", "upstream_dataset": "About NHS hospital services", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "NHS hospital treatment is free for people ordinarily resident in the UK; visitor rules and some charges differ.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "London", "metric": "health.prescriptions", "label": "Prescription exposure", "unit": "money", "published_value": { "low": 9.9, "mode": 9.9, "high": 9.9, "currency": "GBP" }, "basis": "Current NHS prescription charge in England.", "derivation_method": "Direct charge per prescription item; exemptions can apply.", "source_refs": [ "london_nhs_prescription" ], "source_evidence": [ { "source_id": "london_nhs_prescription", "city": "London", "role": "prescriptions", "publisher": "NHS", "title": "NHS prescription charges", "url": "https://www.nhs.uk/nhs-services/prescriptions/nhs-prescription-charges/", "observation_period": "current at 2026-09-24", "retrieved_at": "2026-09-24", "geography": "England", "source_type": "official", "geography_match": "national_subdivision", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "nhs", "upstream_dataset": "NHS prescription charges", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Current NHS prescription charge in England is £9.90 per item.", "observation_values": [ { "metric": "prescription charge", "value": 9.9, "unit": "GBP/item" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "London", "metric": "income.earnings", "label": "Official median pay benchmark", "unit": "money", "published_value": { "low": 3082.0, "mode": 3082.0, "high": 3082.0, "currency": "GBP" }, "basis": "ONS seasonally adjusted median monthly PAYE pay for London, May 2026.", "derivation_method": "Direct official monthly earnings benchmark; gross/pre-tax context.", "source_refs": [ "london_ons_pay_2026_05" ], "source_evidence": [ { "source_id": "london_ons_pay_2026_05", "city": "London", "role": "earnings", "publisher": "Office for National Statistics", "title": "Earnings and employment from PAYE RTI, UK: June 2026", "url": "https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/earningsandworkinghours/bulletins/earningsandemploymentfrompayasyouearnrealtimeinformationuk/june2026", "observation_period": "May 2026", "retrieved_at": "2026-09-24", "geography": "London", "source_type": "official", "geography_match": "city_region", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "office_for_national_statistics", "upstream_dataset": "Earnings and employment from PAYE RTI, UK: June 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Seasonally adjusted median monthly PAYE pay for London was £3,082 in May 2026.", "observation_values": [ { "metric": "median monthly PAYE pay", "value": 3082, "unit": "GBP/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "London", "metric": "income.core_cost_share", "label": "Core cost divided by earnings", "unit": "percent", "published_value": { "low": 91.17, "mode": 91.17, "high": 91.17 }, "basis": "CLC six-component monthly core midpoint of GBP 2,810 divided by the official gross monthly earnings benchmark of GBP 3,082.", "derivation_method": "Existing source-backed core midpoint ÷ official gross earnings benchmark × 100. Planning ratio before tax; not an affordability verdict.", "source_refs": [ "london_ons_pay_2026_05", "london_rent", "london_household", "london_transit" ], "source_evidence": [ { "source_id": "london_ons_pay_2026_05", "city": "London", "role": "earnings", "publisher": "Office for National Statistics", "title": "Earnings and employment from PAYE RTI, UK: June 2026", "url": "https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/earningsandworkinghours/bulletins/earningsandemploymentfrompayasyouearnrealtimeinformationuk/june2026", "observation_period": "May 2026", "retrieved_at": "2026-09-24", "geography": "London", "source_type": "official", "geography_match": "city_region", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "office_for_national_statistics", "upstream_dataset": "Earnings and employment from PAYE RTI, UK: June 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Seasonally adjusted median monthly PAYE pay for London was £3,082 in May 2026.", "observation_values": [ { "metric": "median monthly PAYE pay", "value": 3082, "unit": "GBP/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "london_rent", "city": "London", "role": "rent", "publisher": "Office for National Statistics", "title": "Private rent and house prices, UK: July 2026", "url": "https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/privaterentandhousepricesuk/july2026", "observation_period": "2026-07", "retrieved_at": "2026-09-23", "geography": "London", "source_type": "official", "geography_match": "city_region", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "office_for_national_statistics", "upstream_dataset": "Private rent and house prices, UK: July 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Private rent and house prices, UK: July 2026 — used as rent evidence for London. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "london_household", "city": "London", "role": "household", "publisher": "Office for National Statistics", "title": "Family spending in the UK: April 2024 to March 2025", "url": "https://www.ons.gov.uk/peoplepopulationandcommunity/personalandhouseholdfinances/expenditure/bulletins/familyspendingintheuk/latest", "observation_period": "2024-25", "retrieved_at": "2026-09-23", "geography": "UK / London-region tables", "source_type": "official", "geography_match": "regional", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "office_for_national_statistics", "upstream_dataset": "Family spending in the UK: April 2024 to March 2025", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Family spending in the UK: April 2024 to March 2025 — used as household evidence for London. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "london_transit", "city": "London", "role": "transit", "publisher": "Transport for London", "title": "Adult fares 2026", "url": "https://content.tfl.gov.uk/adult-fares.pdf", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "London", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "transport_for_london", "upstream_dataset": "Adult fares 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Adult fares 2026 — used as transit evidence for London. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" } ], "confidence": "Medium" }, { "city": "London", "metric": "income.after_core", "label": "Income remaining after core spend", "unit": "money", "published_value": { "low": 272.0, "mode": 272.0, "high": 272.0, "currency": "GBP" }, "basis": "Official gross monthly earnings benchmark less the existing six-component CLC core midpoint of GBP 2,810.", "derivation_method": "Official gross earnings benchmark minus existing core midpoint. Before tax and before costs outside the core.", "source_refs": [ "london_ons_pay_2026_05", "london_rent", "london_household", "london_transit" ], "source_evidence": [ { "source_id": "london_ons_pay_2026_05", "city": "London", "role": "earnings", "publisher": "Office for National Statistics", "title": "Earnings and employment from PAYE RTI, UK: June 2026", "url": "https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/earningsandworkinghours/bulletins/earningsandemploymentfrompayasyouearnrealtimeinformationuk/june2026", "observation_period": "May 2026", "retrieved_at": "2026-09-24", "geography": "London", "source_type": "official", "geography_match": "city_region", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "office_for_national_statistics", "upstream_dataset": "Earnings and employment from PAYE RTI, UK: June 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Seasonally adjusted median monthly PAYE pay for London was £3,082 in May 2026.", "observation_values": [ { "metric": "median monthly PAYE pay", "value": 3082, "unit": "GBP/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "london_rent", "city": "London", "role": "rent", "publisher": "Office for National Statistics", "title": "Private rent and house prices, UK: July 2026", "url": "https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/privaterentandhousepricesuk/july2026", "observation_period": "2026-07", "retrieved_at": "2026-09-23", "geography": "London", "source_type": "official", "geography_match": "city_region", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "office_for_national_statistics", "upstream_dataset": "Private rent and house prices, UK: July 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Private rent and house prices, UK: July 2026 — used as rent evidence for London. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "london_household", "city": "London", "role": "household", "publisher": "Office for National Statistics", "title": "Family spending in the UK: April 2024 to March 2025", "url": "https://www.ons.gov.uk/peoplepopulationandcommunity/personalandhouseholdfinances/expenditure/bulletins/familyspendingintheuk/latest", "observation_period": "2024-25", "retrieved_at": "2026-09-23", "geography": "UK / London-region tables", "source_type": "official", "geography_match": "regional", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "office_for_national_statistics", "upstream_dataset": "Family spending in the UK: April 2024 to March 2025", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Family spending in the UK: April 2024 to March 2025 — used as household evidence for London. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "london_transit", "city": "London", "role": "transit", "publisher": "Transport for London", "title": "Adult fares 2026", "url": "https://content.tfl.gov.uk/adult-fares.pdf", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "London", "source_type": "official_operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "transport_for_london", "upstream_dataset": "Adult fares 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Adult fares 2026 — used as transit evidence for London. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" } ], "confidence": "Medium" }, { "city": "London", "metric": "tax.context", "label": "Tax structure", "unit": "text", "published_value": { "display": "UK 2026–27 context: standard Personal Allowance £12,570; main non-savings/non-dividend income tax bands are 20%, 40% and 45% (with allowance tapering and other rules)." }, "basis": "Official UK tax-band context applicable to London residents, subject to individual circumstances.", "derivation_method": "Descriptive tax context only; no individual liability calculation.", "source_refs": [ "london_govuk_tax_2026_27" ], "source_evidence": [ { "source_id": "london_govuk_tax_2026_27", "city": "London", "role": "tax_context", "publisher": "UK Government", "title": "Income Tax rates and Personal Allowances", "url": "https://www.gov.uk/income-tax-rates", "observation_period": "2026–27 tax year", "retrieved_at": "2026-09-24", "geography": "England/Wales/NI context", "source_type": "official", "geography_match": "national_subdivision", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "uk_government", "upstream_dataset": "Income Tax rates and Personal Allowances", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Personal Allowance £12,570; main earned-income bands 20%, 40%, 45%, subject to tax rules and tapering.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "London", "metric": "context.internet", "label": "Internet availability context", "unit": "number", "published_value": { "low": 89.0, "mode": 89.0, "high": 89.0 }, "basis": "Ofcom Spring 2026: 89% of UK homes had gigabit-capable broadband availability; national proxy, not London-specific.", "derivation_method": "Direct Ofcom availability share labelled as UK proxy.", "source_refs": [ "london_ofcom_connected_2026" ], "source_evidence": [ { "source_id": "london_ofcom_connected_2026", "city": "London", "role": "internet_context", "publisher": "Ofcom", "title": "Connected Nations update: Spring 2026", "url": "https://www.ofcom.org.uk/phones-and-broadband/coverage-and-speeds/connected-nations-update-spring-2026", "observation_period": "Spring 2026", "retrieved_at": "2026-09-24", "geography": "United Kingdom", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "ofcom", "upstream_dataset": "Connected Nations update: Spring 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Gigabit-capable broadband available to 89% of homes (27.1 million); UK proxy for London context.", "observation_values": [ { "metric": "gigabit-capable availability", "value": 89, "unit": "percent homes" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "London", "metric": "context.climate", "label": "Climate normals", "unit": "text", "published_value": { "display": "Heathrow 1991–2020 normals: January average high/low 8.42/2.68°C; July 23.89/14.18°C; annual average daily high/low 15.67/7.83°C." }, "basis": "Met Office long-term normals for Heathrow, a Greater London station.", "derivation_method": "Direct station normals; used as a London-area climate reference.", "source_refs": [ "london_metoffice_heathrow_normals" ], "source_evidence": [ { "source_id": "london_metoffice_heathrow_normals", "city": "London", "role": "climate", "publisher": "Met Office", "title": "Heathrow location-specific long-term averages", "url": "https://www.metoffice.gov.uk/research/climate/maps-and-data/location-specific-long-term-averages/gcpsveqyg", "observation_period": "1991–2020 normals", "retrieved_at": "2026-09-24", "geography": "Heathrow / Greater London", "source_type": "official", "geography_match": "station_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "met_office", "upstream_dataset": "Heathrow location-specific long-term averages", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Heathrow 1991–2020: January average max/min 8.42/2.68°C; July 23.89/14.18°C; annual max/min averages 15.67/7.83°C.", "observation_values": [], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "London", "metric": "context.health_access", "label": "Healthcare access context", "unit": "text", "published_value": { "display": "London uses England’s residence-based NHS system: ordinarily resident people generally receive NHS hospital treatment free, while visitor/immigration status and service type can change charges." }, "basis": "NHS access/charging context for England.", "derivation_method": "Descriptive access context, not individual eligibility advice.", "source_refs": [ "london_nhs_hospital" ], "source_evidence": [ { "source_id": "london_nhs_hospital", "city": "London", "role": "public_health", "publisher": "NHS", "title": "About NHS hospital services", "url": "https://www.nhs.uk/nhs-services/hospitals/about-nhs-hospital-services/", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "England", "source_type": "official", "geography_match": "national_subdivision", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "nhs", "upstream_dataset": "About NHS hospital services", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "NHS hospital treatment is free for people ordinarily resident in the UK; visitor rules and some charges differ.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "Singapore", "metric": "housing.mortgage_rate", "label": "HDB housing-loan reference rate", "unit": "percent", "published_value": { "low": 2.6, "mode": 2.6, "high": 2.6 }, "basis": "HDB concessionary housing-loan interest rate for Jul–Sep 2026.", "derivation_method": "Direct official public-housing loan reference; not a private-bank mortgage quote.", "source_refs": [ "singapore_hdb_rate_2026_q3" ], "source_evidence": [ { "source_id": "singapore_hdb_rate_2026_q3", "city": "Singapore", "role": "mortgage_rate", "publisher": "Housing & Development Board", "title": "Interest Rate for HDB Housing Loan", "url": "https://www.hdb.gov.sg/managing-my-home/finances/loan-matters/interest-rate", "observation_period": "1 Jul–30 Sep 2026", "retrieved_at": "2026-09-24", "geography": "Singapore", "source_type": "official", "geography_match": "national_city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "housing_&_development_board", "upstream_dataset": "Interest Rate for HDB Housing Loan", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "HDB concessionary housing-loan interest rate 2.60% p.a. for Jul–Sep 2026.", "observation_values": [ { "metric": "HDB concessionary loan rate", "value": 2.6, "unit": "percent p.a." } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Singapore", "metric": "housing.move_in_costs", "label": "Rental move-in cost rules", "unit": "text", "published_value": { "display": "Singapore tenancy terms, including security-deposit amount, are negotiated between the parties; CEA templates include a deposit clause but do not impose one universal fixed deposit amount." }, "basis": "CEA current tenancy-template guidance.", "derivation_method": "Descriptive rental-contract context; exact deposit/rent advance depends on the agreement.", "source_refs": [ "singapore_cea_tenancy_2026" ], "source_evidence": [ { "source_id": "singapore_cea_tenancy_2026", "city": "Singapore", "role": "move_in_rules", "publisher": "Council for Estate Agencies", "title": "Agreements and checklists", "url": "https://www.cea.gov.sg/real-estate-professionals/agreements-and-checklists/", "observation_period": "updated 14 Aug 2026", "retrieved_at": "2026-09-24", "geography": "Singapore", "source_type": "official", "geography_match": "national_city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "council_for_estate_agencies", "upstream_dataset": "Agreements and checklists", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Tenancy agreement templates are guides and contracting parties are free to negotiate tenancy terms; templates include a security-deposit clause rather than a universal statutory fixed amount.", "observation_values": [], "evidence_extraction_status": "SOURCE_TEXT_EXTRACTED" } ], "confidence": "High" }, { "city": "Singapore", "metric": "utilities.internet", "label": "Residential broadband", "unit": "money", "published_value": { "low": 29.55, "mode": 34.23, "high": 38.9, "currency": "SGD" }, "basis": "StarHub current 24-month 5Gbps and 10Gbps new-sign-up plan references.", "derivation_method": "Direct operator advertised-plan range; promotional eligibility/contract conditions apply.", "source_refs": [ "singapore_starhub_broadband_2026" ], "source_evidence": [ { "source_id": "singapore_starhub_broadband_2026", "city": "Singapore", "role": "internet", "publisher": "StarHub", "title": "Best Fibre Broadband Plans & Promotions Singapore", "url": "https://www.starhub.com/personal/broadband.html", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Singapore", "source_type": "operator", "geography_match": "national_city", "quality_score": 2, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "starhub", "upstream_dataset": "Best Fibre Broadband Plans & Promotions Singapore", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Current 24-month broadband references: 5Gbps S$29.55/month and 10Gbps S$38.90/month for new sign-ups.", "observation_values": [ { "metric": "5Gbps", "value": 29.55, "unit": "SGD/month" }, { "metric": "10Gbps", "value": 38.9, "unit": "SGD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Singapore", "metric": "utilities.mobile", "label": "Mid-tier mobile plan", "unit": "money", "published_value": { "low": 25.0, "mode": 38.0, "high": 48.0, "currency": "SGD" }, "basis": "StarHub current SIM-only 5G Lite, Unlimited+ Core and Unlimited+ Plus references.", "derivation_method": "Direct operator plan range; actual plan choice differs by user.", "source_refs": [ "singapore_starhub_mobile_2026" ], "source_evidence": [ { "source_id": "singapore_starhub_mobile_2026", "city": "Singapore", "role": "mobile", "publisher": "StarHub", "title": "SIM Only Plan Comparison Singapore 2026", "url": "https://www.starhub.com/personal/how-to/best-sim-only-plan-singapore.html", "observation_period": "2026 / reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Singapore", "source_type": "operator", "geography_match": "national_city", "quality_score": 2, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "starhub", "upstream_dataset": "SIM Only Plan Comparison Singapore 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Current StarHub SIM-only references: 5G Lite S$25, Unlimited+ Core S$38, Unlimited+ Plus S$48 per month.", "observation_values": [ { "metric": "5G Lite", "value": 25, "unit": "SGD/month" }, { "metric": "Unlimited+ Core", "value": 38, "unit": "SGD/month" }, { "metric": "Unlimited+ Plus", "value": 48, "unit": "SGD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Singapore", "metric": "transport.single_fare", "label": "Single adult fare", "unit": "money", "published_value": { "low": 1.28, "mode": 1.82, "high": 2.57, "currency": "SGD" }, "basis": "PTC adult card fares for basic bus/train services range from S$1.28 to S$2.57 by distance.", "derivation_method": "Direct regulated/operator fare table; S$1.82 is an 8.3–9.2 km representative point.", "source_refs": [ "singapore_transit" ], "source_evidence": [ { "source_id": "singapore_transit", "city": "Singapore", "role": "transit", "publisher": "Public Transport Council Singapore", "title": "Public transport fares and passes", "url": "https://www.ptc.gov.sg/fares/public-transport-fares-and-passes/", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "Singapore", "source_type": "official", "geography_match": "city_state", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "public_transport_council_singapore", "upstream_dataset": "Public transport fares and passes", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Public transport fares and passes — used as transit evidence for Singapore. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" } ], "confidence": "High" }, { "city": "Singapore", "metric": "transport.taxi", "label": "Taxi flag-down fare", "unit": "money", "published_value": { "low": 4.4, "mode": 4.8, "high": 5.2, "currency": "SGD" }, "basis": "LTA standard-taxi flag-down fare range.", "derivation_method": "Direct official fare range; distance/time and surcharges are additional.", "source_refs": [ "singapore_lta_taxi_2026" ], "source_evidence": [ { "source_id": "singapore_lta_taxi_2026", "city": "Singapore", "role": "taxi", "publisher": "Land Transport Authority", "title": "Taxi Fares & Payment Methods", "url": "https://www.lta.gov.sg/content/ltagov/en/getting_around/point_to_point_transport_and_cross_border_services/taxi_fares_payment_methods.html", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Singapore", "source_type": "official", "geography_match": "national_city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "land_transport_authority", "upstream_dataset": "Taxi Fares & Payment Methods", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Standard-taxi flag-down fares range S$4.40 to S$5.20.", "observation_values": [ { "metric": "standard flag-down fare", "low": 4.4, "high": 5.2, "unit": "SGD" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Singapore", "metric": "health.public_system", "label": "Public healthcare baseline/eligibility", "unit": "text", "published_value": { "display": "Singapore’s public system uses targeted subsidies: eligible Singapore Citizens can receive up to 70% subsidies for Specialist Outpatient Clinic care; Permanent Residents can receive 25%, subject to referral and means-testing rules." }, "basis": "Current MOH public specialist outpatient subsidy framework.", "derivation_method": "Descriptive health-system context, not an eligibility determination.", "source_refs": [ "singapore_moh_soc_2025" ], "source_evidence": [ { "source_id": "singapore_moh_soc_2025", "city": "Singapore", "role": "public_health", "publisher": "Ministry of Health Singapore", "title": "Subsidies for Specialist Outpatient care at Public Healthcare Institutions", "url": "https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/subsidies-for-specialist-outpatient-care-at-public-healthcare-institutions/", "observation_period": "effective 1 Jan 2025 / current page", "retrieved_at": "2026-09-24", "geography": "Singapore", "source_type": "official", "geography_match": "national_city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "ministry_of_health_singapore", "upstream_dataset": "Subsidies for Specialist Outpatient care at Public Healthcare Institutions", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Singapore Citizens can receive means-tested SOC subsidies up to 70%; Permanent Residents 25%, subject to referral/eligibility.", "observation_values": [], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Singapore", "metric": "lifestyle.clothing", "label": "Clothing spending proxy", "unit": "money", "published_value": { "low": 92.0, "mode": 92.0, "high": 92.0, "currency": "SGD" }, "basis": "Singapore Household Expenditure Survey 2023 household clothing expenditure benchmark.", "derivation_method": "Official household-spending benchmark; household-level proxy rather than a one-person retail basket.", "source_refs": [ "singapore_household" ], "source_evidence": [ { "source_id": "singapore_household", "city": "Singapore", "role": "household", "publisher": "Singapore Department of Statistics", "title": "Household Expenditure Survey 2023", "url": "https://www.singstat.gov.sg/-/media/files/publications/households/hes2023.ashx", "observation_period": "2023", "retrieved_at": "2026-09-23", "geography": "Singapore", "source_type": "official", "geography_match": "city_state", "quality_score": 3, "freshness_score": 2, "definition_match_score": 3, "independence_cluster": "singapore_department_of_statistics", "upstream_dataset": "Household Expenditure Survey 2023", "dedup_checked": true, "url_verification": "SEARCH_RESULT_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "SEARCH_RECONFIRMED", "external_verification_note": "Direct crawler could not reliably fetch the page in this audit environment; current search indexing reconfirmed the exact source/title or official source page.", "observation_summary": "Household Expenditure Survey 2023 — used as household evidence for Singapore. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" } ], "confidence": "Medium" }, { "city": "Singapore", "metric": "lifestyle.shoes", "label": "Footwear spending proxy", "unit": "money", "published_value": { "low": 27.0, "mode": 27.0, "high": 27.0, "currency": "SGD" }, "basis": "Singapore Household Expenditure Survey 2023 household footwear expenditure benchmark.", "derivation_method": "Official household-spending benchmark; household-level proxy.", "source_refs": [ "singapore_household" ], "source_evidence": [ { "source_id": "singapore_household", "city": "Singapore", "role": "household", "publisher": "Singapore Department of Statistics", "title": "Household Expenditure Survey 2023", "url": "https://www.singstat.gov.sg/-/media/files/publications/households/hes2023.ashx", "observation_period": "2023", "retrieved_at": "2026-09-23", "geography": "Singapore", "source_type": "official", "geography_match": "city_state", "quality_score": 3, "freshness_score": 2, "definition_match_score": 3, "independence_cluster": "singapore_department_of_statistics", "upstream_dataset": "Household Expenditure Survey 2023", "dedup_checked": true, "url_verification": "SEARCH_RESULT_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "SEARCH_RECONFIRMED", "external_verification_note": "Direct crawler could not reliably fetch the page in this audit environment; current search indexing reconfirmed the exact source/title or official source page.", "observation_summary": "Household Expenditure Survey 2023 — used as household evidence for Singapore. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" } ], "confidence": "Medium" }, { "city": "Singapore", "metric": "lifestyle.gym", "label": "Gym membership", "unit": "money", "published_value": { "low": 15.0, "mode": 30.0, "high": 30.0, "currency": "SGD" }, "basis": "MyActiveGYM adult monthly memberships: S$15 off-peak, S$30 peak.", "derivation_method": "Direct public-facility membership rate.", "source_refs": [ "singapore_activesg_gym_2026" ], "source_evidence": [ { "source_id": "singapore_activesg_gym_2026", "city": "Singapore", "role": "gym", "publisher": "ActiveSG", "title": "Individual Rates", "url": "https://www.activesgcircle.gov.sg/facilities/individual-rates", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Singapore", "source_type": "official", "geography_match": "national_city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "activesg", "upstream_dataset": "Individual Rates", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "MyActiveGYM adult monthly membership: S$15 off-peak or S$30 peak.", "observation_values": [ { "metric": "monthly adult membership", "low": 15, "high": 30, "unit": "SGD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Singapore", "metric": "family.childcare", "label": "Supported-centre childcare fee cap", "unit": "money", "published_value": { "low": 850.0, "mode": 850.0, "high": 850.0, "currency": "SGD" }, "basis": "ECDA-supported-centre full-day childcare monthly fee cap for Singapore Citizen children, before GST.", "derivation_method": "Official scheme fee cap; not a market-wide average and eligibility/centre participation matters.", "source_refs": [ "singapore_ecda_childcare" ], "source_evidence": [ { "source_id": "singapore_ecda_childcare", "city": "Singapore", "role": "childcare", "publisher": "Early Childhood Development Agency", "title": "Community / Sports Facilities Scheme premises", "url": "https://www.ecda.gov.sg/operators/support-schemes/infrastructure-support/community-sports-facilities-scheme-%28csfs%29-premises", "observation_period": "current scheme page", "retrieved_at": "2026-09-24", "geography": "Singapore", "source_type": "official", "geography_match": "national_city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "early_childhood_development_agency", "upstream_dataset": "Community / Sports Facilities Scheme premises", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Supported centres under this scheme must keep full-day childcare fees for Singapore Citizen children at or below S$850/month before GST; infant care S$1,450.", "observation_values": [ { "metric": "full-day childcare fee cap", "value": 850, "unit": "SGD/month" }, { "metric": "full-day infant-care cap", "value": 1450, "unit": "SGD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Singapore", "metric": "family.education_private", "label": "Private tuition/education spending proxy", "unit": "money", "published_value": { "low": 127.0, "mode": 127.0, "high": 127.0, "currency": "SGD" }, "basis": "Singapore Household Expenditure Survey 2023 private tuition/other education household spending reference.", "derivation_method": "Official household-spending proxy; not a school tuition quote.", "source_refs": [ "singapore_household" ], "source_evidence": [ { "source_id": "singapore_household", "city": "Singapore", "role": "household", "publisher": "Singapore Department of Statistics", "title": "Household Expenditure Survey 2023", "url": "https://www.singstat.gov.sg/-/media/files/publications/households/hes2023.ashx", "observation_period": "2023", "retrieved_at": "2026-09-23", "geography": "Singapore", "source_type": "official", "geography_match": "city_state", "quality_score": 3, "freshness_score": 2, "definition_match_score": 3, "independence_cluster": "singapore_department_of_statistics", "upstream_dataset": "Household Expenditure Survey 2023", "dedup_checked": true, "url_verification": "SEARCH_RESULT_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "SEARCH_RECONFIRMED", "external_verification_note": "Direct crawler could not reliably fetch the page in this audit environment; current search indexing reconfirmed the exact source/title or official source page.", "observation_summary": "Household Expenditure Survey 2023 — used as household evidence for Singapore. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" } ], "confidence": "Medium" }, { "city": "Singapore", "metric": "income.earnings", "label": "Official median gross employment-income benchmark", "unit": "money", "published_value": { "low": 5775.0, "mode": 5775.0, "high": 5775.0, "currency": "SGD" }, "basis": "MOM 2025 median gross monthly income from employment for full-time employed residents, including employer/platform CPF contributions.", "derivation_method": "Direct official monthly earnings benchmark; gross/pre-tax context.", "source_refs": [ "singapore_mom_income_2025" ], "source_evidence": [ { "source_id": "singapore_mom_income_2025", "city": "Singapore", "role": "earnings", "publisher": "Ministry of Manpower Singapore", "title": "Labour Force in Singapore 2025 — income", "url": "https://stats.mom.gov.sg/iMAS_Tables1/LabourForce/LabourForce_2025/mrsd_2025LabourForce_survey_findings.pdf", "observation_period": "2025", "retrieved_at": "2026-09-24", "geography": "Singapore", "source_type": "official", "geography_match": "national_city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "ministry_of_manpower_singapore", "upstream_dataset": "Labour Force in Singapore 2025 — income", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Median gross monthly income from employment of full-time employed residents was S$5,775 in 2025, including employer/platform CPF contributions.", "observation_values": [ { "metric": "median gross monthly income", "value": 5775, "unit": "SGD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Singapore", "metric": "income.core_cost_share", "label": "Core cost divided by earnings", "unit": "percent", "published_value": { "low": 73.07, "mode": 73.07, "high": 73.07 }, "basis": "CLC six-component monthly core midpoint of SGD 4,220 divided by the official gross monthly earnings benchmark of SGD 5,775.", "derivation_method": "Existing source-backed core midpoint ÷ official gross earnings benchmark × 100. Planning ratio before tax; not an affordability verdict.", "source_refs": [ "singapore_mom_income_2025", "singapore_rent", "singapore_household", "singapore_transit" ], "source_evidence": [ { "source_id": "singapore_mom_income_2025", "city": "Singapore", "role": "earnings", "publisher": "Ministry of Manpower Singapore", "title": "Labour Force in Singapore 2025 — income", "url": "https://stats.mom.gov.sg/iMAS_Tables1/LabourForce/LabourForce_2025/mrsd_2025LabourForce_survey_findings.pdf", "observation_period": "2025", "retrieved_at": "2026-09-24", "geography": "Singapore", "source_type": "official", "geography_match": "national_city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "ministry_of_manpower_singapore", "upstream_dataset": "Labour Force in Singapore 2025 — income", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Median gross monthly income from employment of full-time employed residents was S$5,775 in 2025, including employer/platform CPF contributions.", "observation_values": [ { "metric": "median gross monthly income", "value": 5775, "unit": "SGD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "singapore_rent", "city": "Singapore", "role": "rent", "publisher": "Singapore Government Data / HDB", "title": "HDB rental statistics dataset", "url": "https://data.gov.sg/datasets/d_23000a00c52996c55106084ed0339566/view", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "Singapore", "source_type": "official", "geography_match": "city_state", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "singapore_government_data_hdb", "upstream_dataset": "HDB rental statistics dataset", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "HDB rental statistics dataset — used as rent evidence for Singapore. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "singapore_household", "city": "Singapore", "role": "household", "publisher": "Singapore Department of Statistics", "title": "Household Expenditure Survey 2023", "url": "https://www.singstat.gov.sg/-/media/files/publications/households/hes2023.ashx", "observation_period": "2023", "retrieved_at": "2026-09-23", "geography": "Singapore", "source_type": "official", "geography_match": "city_state", "quality_score": 3, "freshness_score": 2, "definition_match_score": 3, "independence_cluster": "singapore_department_of_statistics", "upstream_dataset": "Household Expenditure Survey 2023", "dedup_checked": true, "url_verification": "SEARCH_RESULT_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "SEARCH_RECONFIRMED", "external_verification_note": "Direct crawler could not reliably fetch the page in this audit environment; current search indexing reconfirmed the exact source/title or official source page.", "observation_summary": "Household Expenditure Survey 2023 — used as household evidence for Singapore. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "singapore_transit", "city": "Singapore", "role": "transit", "publisher": "Public Transport Council Singapore", "title": "Public transport fares and passes", "url": "https://www.ptc.gov.sg/fares/public-transport-fares-and-passes/", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "Singapore", "source_type": "official", "geography_match": "city_state", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "public_transport_council_singapore", "upstream_dataset": "Public transport fares and passes", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Public transport fares and passes — used as transit evidence for Singapore. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" } ], "confidence": "Medium" }, { "city": "Singapore", "metric": "income.after_core", "label": "Income remaining after core spend", "unit": "money", "published_value": { "low": 1555.0, "mode": 1555.0, "high": 1555.0, "currency": "SGD" }, "basis": "Official gross monthly earnings benchmark less the existing six-component CLC core midpoint of SGD 4,220.", "derivation_method": "Official gross earnings benchmark minus existing core midpoint. Before tax and before costs outside the core.", "source_refs": [ "singapore_mom_income_2025", "singapore_rent", "singapore_household", "singapore_transit" ], "source_evidence": [ { "source_id": "singapore_mom_income_2025", "city": "Singapore", "role": "earnings", "publisher": "Ministry of Manpower Singapore", "title": "Labour Force in Singapore 2025 — income", "url": "https://stats.mom.gov.sg/iMAS_Tables1/LabourForce/LabourForce_2025/mrsd_2025LabourForce_survey_findings.pdf", "observation_period": "2025", "retrieved_at": "2026-09-24", "geography": "Singapore", "source_type": "official", "geography_match": "national_city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "ministry_of_manpower_singapore", "upstream_dataset": "Labour Force in Singapore 2025 — income", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Median gross monthly income from employment of full-time employed residents was S$5,775 in 2025, including employer/platform CPF contributions.", "observation_values": [ { "metric": "median gross monthly income", "value": 5775, "unit": "SGD/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "singapore_rent", "city": "Singapore", "role": "rent", "publisher": "Singapore Government Data / HDB", "title": "HDB rental statistics dataset", "url": "https://data.gov.sg/datasets/d_23000a00c52996c55106084ed0339566/view", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "Singapore", "source_type": "official", "geography_match": "city_state", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "singapore_government_data_hdb", "upstream_dataset": "HDB rental statistics dataset", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "HDB rental statistics dataset — used as rent evidence for Singapore. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "singapore_household", "city": "Singapore", "role": "household", "publisher": "Singapore Department of Statistics", "title": "Household Expenditure Survey 2023", "url": "https://www.singstat.gov.sg/-/media/files/publications/households/hes2023.ashx", "observation_period": "2023", "retrieved_at": "2026-09-23", "geography": "Singapore", "source_type": "official", "geography_match": "city_state", "quality_score": 3, "freshness_score": 2, "definition_match_score": 3, "independence_cluster": "singapore_department_of_statistics", "upstream_dataset": "Household Expenditure Survey 2023", "dedup_checked": true, "url_verification": "SEARCH_RESULT_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "SEARCH_RECONFIRMED", "external_verification_note": "Direct crawler could not reliably fetch the page in this audit environment; current search indexing reconfirmed the exact source/title or official source page.", "observation_summary": "Household Expenditure Survey 2023 — used as household evidence for Singapore. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "singapore_transit", "city": "Singapore", "role": "transit", "publisher": "Public Transport Council Singapore", "title": "Public transport fares and passes", "url": "https://www.ptc.gov.sg/fares/public-transport-fares-and-passes/", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "Singapore", "source_type": "official", "geography_match": "city_state", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "public_transport_council_singapore", "upstream_dataset": "Public transport fares and passes", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Public transport fares and passes — used as transit evidence for Singapore. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" } ], "confidence": "Medium" }, { "city": "Singapore", "metric": "tax.context", "label": "Tax structure", "unit": "text", "published_value": { "display": "Singapore tax-resident individual income tax is progressive, with current rates from 0% to 24%; actual tax depends on chargeable income, reliefs, deductions and residency." }, "basis": "IRAS current resident individual rate table.", "derivation_method": "Descriptive tax-band context only.", "source_refs": [ "singapore_iras_tax" ], "source_evidence": [ { "source_id": "singapore_iras_tax", "city": "Singapore", "role": "tax_context", "publisher": "Inland Revenue Authority of Singapore", "title": "Individual Income Tax rates", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-residency-and-tax-rates/individual-income-tax-rates", "observation_period": "YA 2024 onward / current 2026", "retrieved_at": "2026-09-24", "geography": "Singapore", "source_type": "official", "geography_match": "national_city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "inland_revenue_authority_of_singapore", "upstream_dataset": "Individual Income Tax rates", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Resident individual income tax is progressive from 0% to 24%.", "observation_values": [ { "metric": "resident marginal rate range", "low": 0, "high": 24, "unit": "percent" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Singapore", "metric": "context.internet", "label": "Residential wired-broadband context", "unit": "number", "published_value": { "low": 89.3, "mode": 89.3, "high": 89.3 }, "basis": "Official residential wired-broadband household-penetration reference, used as an adoption/context proxy rather than guaranteed service availability.", "derivation_method": "Direct official telecom-statistics context; definition is subscriptions/household penetration, not premises passed.", "source_refs": [ "singapore_imda_broadband_context" ], "source_evidence": [ { "source_id": "singapore_imda_broadband_context", "city": "Singapore", "role": "internet_context", "publisher": "Info-communications Media Development Authority / Singapore Department of Statistics", "title": "Residential Wired Broadband Subscriptions", "url": "https://tablebuilder.singstat.gov.sg/table/TS/M651311", "observation_period": "latest available / reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Singapore", "source_type": "official", "geography_match": "national_city", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "info-communications_media_development_authority_/_singapore_department_of_statistics", "upstream_dataset": "Residential Wired Broadband Subscriptions", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Official residential wired-broadband subscription series; context uses the previously published household penetration benchmark of 89.3% as an availability/adoption proxy.", "observation_values": [ { "metric": "residential wired broadband household penetration reference", "value": 89.3, "unit": "percent" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Singapore", "metric": "context.climate", "label": "Climate normals", "unit": "text", "published_value": { "display": "Singapore 1991–2020 climate normals: mean annual rainfall 2,113.3 mm and about 171 rain days per year; rainfall is plentiful year-round with monsoon seasonality." }, "basis": "Meteorological Service Singapore long-term climate normals.", "derivation_method": "Direct official climate context.", "source_refs": [ "singapore_mss_climate_normals" ], "source_evidence": [ { "source_id": "singapore_mss_climate_normals", "city": "Singapore", "role": "climate", "publisher": "Meteorological Service Singapore", "title": "Climate of Singapore", "url": "https://www.weather.gov.sg/climate-climate-of-singapore/", "observation_period": "1991–2020 normals", "retrieved_at": "2026-09-24", "geography": "Singapore / Changi station", "source_type": "official", "geography_match": "national_city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "meteorological_service_singapore", "upstream_dataset": "Climate of Singapore", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "1991–2020 long-term mean annual rainfall 2,113.3 mm and average 171 rain days/year.", "observation_values": [ { "metric": "annual rainfall", "value": 2113.3, "unit": "mm" }, { "metric": "rain days", "value": 171, "unit": "days/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Singapore", "metric": "context.health_access", "label": "Healthcare access context", "unit": "text", "published_value": { "display": "Public outpatient care is subsidised rather than universally free: SOC subsidies can reach 70% for eligible Singapore Citizens and 25% for Permanent Residents, with means-testing and referral rules." }, "basis": "MOH current public outpatient subsidy framework.", "derivation_method": "Descriptive access/cost context; individual eligibility varies.", "source_refs": [ "singapore_moh_soc_2025" ], "source_evidence": [ { "source_id": "singapore_moh_soc_2025", "city": "Singapore", "role": "public_health", "publisher": "Ministry of Health Singapore", "title": "Subsidies for Specialist Outpatient care at Public Healthcare Institutions", "url": "https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/subsidies-for-specialist-outpatient-care-at-public-healthcare-institutions/", "observation_period": "effective 1 Jan 2025 / current page", "retrieved_at": "2026-09-24", "geography": "Singapore", "source_type": "official", "geography_match": "national_city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "ministry_of_health_singapore", "upstream_dataset": "Subsidies for Specialist Outpatient care at Public Healthcare Institutions", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Singapore Citizens can receive means-tested SOC subsidies up to 70%; Permanent Residents 25%, subject to referral/eligibility.", "observation_values": [], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Tokyo", "metric": "housing.mortgage_rate", "label": "Flat 35 fixed-rate reference", "unit": "percent", "published_value": { "low": 3.46, "mode": 3.46, "high": 5.69 }, "basis": "Flat 35 September 2026 rate range for 21–35 year fixed loans; most common rate 3.46%.", "derivation_method": "Direct national fixed-mortgage programme reference; not a personalized bank offer.", "source_refs": [ "tokyo_flat35_2026_09" ], "source_evidence": [ { "source_id": "tokyo_flat35_2026_09", "city": "Tokyo", "role": "mortgage_rate", "publisher": "Japan Housing Finance Agency / Flat35", "title": "Flat 35 — new borrowing", "url": "https://www.flat35.com/loan/", "observation_period": "September 2026", "retrieved_at": "2026-09-24", "geography": "Japan", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "japan_housing_finance_agency_/_flat35", "upstream_dataset": "Flat 35 — new borrowing", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "For 21–35 year Flat 35 loans in Sep 2026, rates range 3.46%–5.69%; most common 3.46%.", "observation_values": [ { "metric": "21–35 year rate range", "low": 3.46, "mode": 3.46, "high": 5.69, "unit": "percent" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Tokyo", "metric": "housing.move_in_costs", "label": "Rental move-in cost rules", "unit": "text", "published_value": { "display": "Tokyo Metropolitan Government guide: deposit commonly 1–3 months rent, key money 0–2 months, brokerage 0–1 month and insurance about ¥10,000–20,000; its worked example totals ¥365,000 initial cost." }, "basis": "Official Tokyo relocation/housing guidance.", "derivation_method": "Descriptive common-cost ranges; individual leases vary.", "source_refs": [ "tokyo_career_movein" ], "source_evidence": [ { "source_id": "tokyo_career_movein", "city": "Tokyo", "role": "move_in_rules", "publisher": "Tokyo Metropolitan Government", "title": "Tokyo Career Guide — housing FAQ", "url": "https://www.tdh.metro.tokyo.lg.jp/english/faq/living/housing.html", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Tokyo", "source_type": "official", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "tokyo_metropolitan_government", "upstream_dataset": "Tokyo Career Guide — housing FAQ", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Guide says deposit 1–3 months rent, key money 0–2 months, brokerage 0–1 month and insurance ¥10,000–20,000; example initial cost ¥365,000.", "observation_values": [], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Tokyo", "metric": "utilities.energy_water", "label": "Energy/water for baseline dwelling", "unit": "money", "published_value": { "low": 11641.65, "mode": 11641.65, "high": 11641.65, "currency": "JPY" }, "basis": "Planning benchmark combines TEPCO Standard S 30A base and 260kWh usage rates with the September 2026 fuel adjustment (¥6,757.65 before the renewable-energy levy), plus Tokyo 20m³ water (¥2,816) and sewerage (¥2,068) references.", "derivation_method": "Sum of separately sourced/operator-reviewed electricity, water and sewer benchmark components; not a dwelling-specific bill.", "source_refs": [ "tokyo_tepco_standard_s_2026", "tokyo_tepco_2026_09", "tokyo_water_2026", "tokyo_sewer_2026" ], "source_evidence": [ { "source_id": "tokyo_tepco_standard_s_2026", "city": "Tokyo", "role": "utilities_energy_water", "publisher": "TEPCO Energy Partner", "title": "Standard S tariff — Kanto", "url": "https://www.tepco.co.jp/ep/private/plan/standard/kanto/index-j.html", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Tokyo / Kanto service area", "source_type": "operator", "geography_match": "utility_service_area", "quality_score": 2, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "tepco_energy_partner", "upstream_dataset": "Standard S tariff — Kanto", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Standard S: 30A base ¥935.25/month; first 120kWh ¥29.80/kWh; 121–300kWh ¥36.40/kWh; renewable-energy levy is additional.", "observation_values": [ { "metric": "30A base charge", "value": 935.25, "unit": "JPY/month" }, { "metric": "first 120kWh energy rate", "value": 29.8, "unit": "JPY/kWh" }, { "metric": "121-300kWh energy rate", "value": 36.4, "unit": "JPY/kWh" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "tokyo_tepco_2026_09", "city": "Tokyo", "role": "utilities_energy_water", "publisher": "TEPCO Power Grid", "title": "Fuel cost adjustment — September 2026", "url": "https://www4.tepco.co.jp/pg/consignment/liberalization/kyoukyusya/past/202609.html", "observation_period": "September 2026", "retrieved_at": "2026-09-24", "geography": "Tokyo/TEPCO low-voltage area", "source_type": "official", "geography_match": "utility_service_area", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "tepco_power_grid", "upstream_dataset": "Fuel cost adjustment — September 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "September 2026 low-voltage fuel-cost adjustment is -¥10.96/kWh.", "observation_values": [ { "metric": "fuel adjustment", "value": -10.96, "unit": "JPY/kWh" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "tokyo_water_2026", "city": "Tokyo", "role": "utilities_energy_water", "publisher": "Tokyo Metropolitan Government Bureau of Waterworks", "title": "Water rates", "url": "https://www.waterworks.metro.tokyo.lg.jp/tetsuduki/ryokin/keisan_23", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Tokyo 23 wards", "source_type": "official", "geography_match": "city_system", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "tokyo_metropolitan_government_bureau_of_waterworks", "upstream_dataset": "Water rates", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Tokyo water-rate schedule used to derive a 20m³/month benchmark of approximately ¥2,816 including tax for a standard small meter.", "observation_values": [ { "metric": "20m3 water benchmark", "value": 2816, "unit": "JPY/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "tokyo_sewer_2026", "city": "Tokyo", "role": "utilities_energy_water", "publisher": "Tokyo Metropolitan Government Bureau of Sewerage", "title": "Sewerage fee calculator", "url": "https://www.gesui.metro.tokyo.lg.jp/living/fee/keisan/jidou", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Tokyo 23 wards", "source_type": "official", "geography_match": "city_system", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "tokyo_metropolitan_government_bureau_of_sewerage", "upstream_dataset": "Sewerage fee calculator", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Official example: 20m³/month sewerage charge is ¥2,068 including tax.", "observation_values": [ { "metric": "20m3 sewerage charge", "value": 2068, "unit": "JPY/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Tokyo", "metric": "utilities.internet", "label": "Residential broadband", "unit": "money", "published_value": { "low": 3905.0, "mode": 3905.0, "high": 4455.0, "currency": "JPY" }, "basis": "NTT East apartment FLET’S Hikari Plan 2 plus provider starts around ¥3,905/month; apartment plan tier can rise with building conditions.", "derivation_method": "Direct operator pricing reference; building plan/provider choice changes total.", "source_refs": [ "tokyo_ntt_flets_2026" ], "source_evidence": [ { "source_id": "tokyo_ntt_flets_2026", "city": "Tokyo", "role": "internet", "publisher": "NTT East", "title": "FLET’S Hikari Next apartment pricing", "url": "https://flets.com/flets-hikari/next/highspeed/mn/lan.html", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Tokyo / NTT East area", "source_type": "operator", "geography_match": "operator_service_area", "quality_score": 2, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "ntt_east", "upstream_dataset": "FLET’S Hikari Next apartment pricing", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Apartment Plan 2 base ¥3,355/month plus provider service from about ¥550; total reference from ¥3,905/month.", "observation_values": [ { "metric": "Plan 2 + provider minimum", "value": 3905, "unit": "JPY/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Tokyo", "metric": "utilities.mobile", "label": "Mid-tier mobile plan", "unit": "money", "published_value": { "low": 4818.0, "mode": 7898.0, "high": 7898.0, "currency": "JPY" }, "basis": "DOCOMO Poikatsu 20: <=20GB base ¥7,898/month; qualifying bundle/payment discounts can reduce to ¥4,818 before point redemptions.", "derivation_method": "Direct operator plan range shown with and without specified discounts; points excluded from benchmark.", "source_refs": [ "tokyo_docomo_mobile_2026" ], "source_evidence": [ { "source_id": "tokyo_docomo_mobile_2026", "city": "Tokyo", "role": "mobile", "publisher": "NTT DOCOMO", "title": "docomo Poikatsu 20", "url": "https://www.docomo.ne.jp/charge/docomo_poikatsu_20/", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Japan", "source_type": "operator", "geography_match": "national_operator", "quality_score": 2, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "ntt_docomo", "upstream_dataset": "docomo Poikatsu 20", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Up to 20GB base monthly price ¥7,898; with specified bundle/payment discounts ¥4,818; points can reduce effective outlay further but are not treated as base price.", "observation_values": [ { "metric": "<=20GB discounted reference", "value": 4818, "unit": "JPY/month" }, { "metric": "<=20GB base price", "value": 7898, "unit": "JPY/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Tokyo", "metric": "transport.single_fare", "label": "Single adult fare", "unit": "money", "published_value": { "low": 178.0, "mode": 252.0, "high": 324.0, "currency": "JPY" }, "basis": "Tokyo Metro IC-card regular fares span ¥178 to ¥324 by distance.", "derivation_method": "Direct operator distance-band fare range; ¥252 used as a representative mid-distance point.", "source_refs": [ "tokyo_transit" ], "source_evidence": [ { "source_id": "tokyo_transit", "city": "Tokyo", "role": "transit", "publisher": "Tokyo Metro", "title": "Regular ticket / fare information", "url": "https://www.tokyometro.jp/lang_en/ticket/types/regular/index.html", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "Tokyo", "source_type": "operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "tokyo_metro", "upstream_dataset": "Regular ticket / fare information", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Regular ticket / fare information — used as transit evidence for Tokyo. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" } ], "confidence": "High" }, { "city": "Tokyo", "metric": "transport.taxi", "label": "Taxi base fare", "unit": "money", "published_value": { "low": 500.0, "mode": 500.0, "high": 500.0, "currency": "JPY" }, "basis": "Tokyo 23-ward standard taxi base fare from April 2026.", "derivation_method": "Direct regulated base-fare reference; distance/time/surcharges additional.", "source_refs": [ "tokyo_taxi_2026" ], "source_evidence": [ { "source_id": "tokyo_taxi_2026", "city": "Tokyo", "role": "taxi", "publisher": "Tokyo Taxi Center", "title": "Taxi fares and fees", "url": "https://www.tokyo-tc.or.jp/passenger/about-contact/", "observation_period": "from 20 Apr 2026", "retrieved_at": "2026-09-24", "geography": "Tokyo 23 wards, Musashino, Mitaka", "source_type": "official", "geography_match": "city_system", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "tokyo_taxi_center", "upstream_dataset": "Taxi fares and fees", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Standard-car base fare ¥500 for first 1.0 km; +¥100 per 232m; 20% late-night surcharge.", "observation_values": [ { "metric": "base fare", "value": 500, "unit": "JPY" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Tokyo", "metric": "health.public_system", "label": "Public healthcare baseline/eligibility", "unit": "text", "published_value": { "display": "Japan’s statutory health-insurance system generally uses patient cost sharing rather than free care at point of use; most insured people under 70 typically face 30% copayment, with age/income exceptions and high-cost protections." }, "basis": "National statutory health-insurance context used for Tokyo.", "derivation_method": "Descriptive health-system context, not individual coverage advice.", "source_refs": [ "tokyo_mhlw_health" ], "source_evidence": [ { "source_id": "tokyo_mhlw_health", "city": "Tokyo", "role": "public_health", "publisher": "Ministry of Health, Labour and Welfare Japan", "title": "Health insurance / patient cost sharing", "url": "https://www.mhlw.go.jp/stf/seisakunitsuite/bunya/kenkou_iryou/iryouhoken/index.html", "observation_period": "current system / reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Japan", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "ministry_of_health,_labour_and_welfare_japan", "upstream_dataset": "Health insurance / patient cost sharing", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Japan’s statutory health insurance uses patient cost sharing; most people under 70 generally pay 30%, with age/income exceptions and high-cost protections.", "observation_values": [], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Tokyo", "metric": "lifestyle.gym", "label": "Gym membership", "unit": "money", "published_value": { "low": 7128.0, "mode": 7128.0, "high": 7128.0, "currency": "JPY" }, "basis": "JOYFIT24 Kinshicho National U monthly membership.", "derivation_method": "Direct operator club-price reference; other clubs/plans differ.", "source_refs": [ "tokyo_joyfit_2026" ], "source_evidence": [ { "source_id": "tokyo_joyfit_2026", "city": "Tokyo", "role": "gym", "publisher": "JOYFIT24 Kinshicho", "title": "Monthly membership", "url": "https://joyfit.jp/kinshicho/", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Sumida, Tokyo", "source_type": "operator", "geography_match": "city_operator", "quality_score": 2, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "joyfit24_kinshicho", "upstream_dataset": "Monthly membership", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "National U membership is ¥7,128/month including tax.", "observation_values": [ { "metric": "National U monthly membership", "value": 7128, "unit": "JPY/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Tokyo", "metric": "lifestyle.cinema", "label": "Cinema ticket", "unit": "money", "published_value": { "low": 2200.0, "mode": 2200.0, "high": 2200.0, "currency": "JPY" }, "basis": "TOHO Cinemas Shinjuku general adult admission.", "derivation_method": "Direct city theatre posted general-admission rate.", "source_refs": [ "tokyo_toho_shinjuku_2026" ], "source_evidence": [ { "source_id": "tokyo_toho_shinjuku_2026", "city": "Tokyo", "role": "cinema", "publisher": "TOHO Cinemas", "title": "TOHO Cinemas Shinjuku — prices", "url": "https://www.tohotheater.jp/theater/076/price.html", "observation_period": "reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Shinjuku, Tokyo", "source_type": "operator", "geography_match": "city_operator", "quality_score": 2, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "toho_cinemas", "upstream_dataset": "TOHO Cinemas Shinjuku — prices", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "General adult admission ¥2,200.", "observation_values": [ { "metric": "general adult admission", "value": 2200, "unit": "JPY" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Tokyo", "metric": "income.earnings", "label": "Official Tokyo regular-earnings benchmark", "unit": "money", "published_value": { "low": 375854.0, "mode": 375854.0, "high": 375854.0, "currency": "JPY" }, "basis": "Tokyo Metropolitan Government June 2026 monthly labour-statistics regularly paid wages for establishments with 5+ regular workers across surveyed industries.", "derivation_method": "Direct official monthly earnings benchmark; gross/pre-tax context.", "source_refs": [ "tokyo_tmg_earnings_2026_06" ], "source_evidence": [ { "source_id": "tokyo_tmg_earnings_2026_06", "city": "Tokyo", "role": "earnings", "publisher": "Tokyo Metropolitan Government Statistics", "title": "Monthly Labour Survey — Tokyo, June 2026", "url": "https://www.toukei.metro.tokyo.lg.jp/maikin/2026/mk266f0000.pdf", "observation_period": "June 2026 / released 31 Aug 2026", "retrieved_at": "2026-09-24", "geography": "Tokyo", "source_type": "official", "geography_match": "city_region", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "tokyo_metropolitan_government_statistics", "upstream_dataset": "Monthly Labour Survey — Tokyo, June 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "For establishments with 5+ regular workers across surveyed industries, regularly paid wages were ¥375,854 in June 2026.", "observation_values": [ { "metric": "regularly paid wages", "value": 375854, "unit": "JPY/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Tokyo", "metric": "income.core_cost_share", "label": "Core cost divided by earnings", "unit": "percent", "published_value": { "low": 72.37, "mode": 72.37, "high": 72.37 }, "basis": "CLC six-component monthly core midpoint of JPY 272,000 divided by the official gross monthly earnings benchmark of JPY 375,854.", "derivation_method": "Existing source-backed core midpoint ÷ official gross earnings benchmark × 100. Planning ratio before tax; not an affordability verdict.", "source_refs": [ "tokyo_tmg_earnings_2026_06", "tokyo_rent", "tokyo_household", "tokyo_transit" ], "source_evidence": [ { "source_id": "tokyo_tmg_earnings_2026_06", "city": "Tokyo", "role": "earnings", "publisher": "Tokyo Metropolitan Government Statistics", "title": "Monthly Labour Survey — Tokyo, June 2026", "url": "https://www.toukei.metro.tokyo.lg.jp/maikin/2026/mk266f0000.pdf", "observation_period": "June 2026 / released 31 Aug 2026", "retrieved_at": "2026-09-24", "geography": "Tokyo", "source_type": "official", "geography_match": "city_region", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "tokyo_metropolitan_government_statistics", "upstream_dataset": "Monthly Labour Survey — Tokyo, June 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "For establishments with 5+ regular workers across surveyed industries, regularly paid wages were ¥375,854 in June 2026.", "observation_values": [ { "metric": "regularly paid wages", "value": 375854, "unit": "JPY/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "tokyo_rent", "city": "Tokyo", "role": "rent", "publisher": "AtHome", "title": "Tokyo 23-ward residential asking-rent series", "url": "https://www.athome.co.jp/corporate/news/data/market/chintai-yachin-202607/", "observation_period": "2026-07", "retrieved_at": "2026-09-23", "geography": "Tokyo 23 wards", "source_type": "market_index", "geography_match": "city", "quality_score": 2, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "athome", "upstream_dataset": "Tokyo 23-ward residential asking-rent series", "dedup_checked": true, "url_verification": "SEARCH_RESULT_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "SEARCH_RECONFIRMED", "external_verification_note": "Direct crawler returned 404, but the exact July 2026 AtHome release is currently indexed at the same URL and title.", "observation_summary": "Tokyo 23-ward residential asking-rent series — used as rent evidence for Tokyo. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "tokyo_household", "city": "Tokyo", "role": "household", "publisher": "Statistics Bureau of Japan", "title": "Family Income and Expenditure Survey 2025", "url": "https://www.stat.go.jp/english/data/tanshin/et25.html", "observation_period": "2025", "retrieved_at": "2026-09-23", "geography": "Japan / one-person tables and Tokyo checks", "source_type": "official", "geography_match": "national_with_city_checks", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "statistics_bureau_of_japan", "upstream_dataset": "Family Income and Expenditure Survey 2025", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Family Income and Expenditure Survey 2025 — used as household evidence for Tokyo. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "tokyo_transit", "city": "Tokyo", "role": "transit", "publisher": "Tokyo Metro", "title": "Regular ticket / fare information", "url": "https://www.tokyometro.jp/lang_en/ticket/types/regular/index.html", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "Tokyo", "source_type": "operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "tokyo_metro", "upstream_dataset": "Regular ticket / fare information", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Regular ticket / fare information — used as transit evidence for Tokyo. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" } ], "confidence": "Medium" }, { "city": "Tokyo", "metric": "income.after_core", "label": "Income remaining after core spend", "unit": "money", "published_value": { "low": 103854.0, "mode": 103854.0, "high": 103854.0, "currency": "JPY" }, "basis": "Official gross monthly earnings benchmark less the existing six-component CLC core midpoint of JPY 272,000.", "derivation_method": "Official gross earnings benchmark minus existing core midpoint. Before tax and before costs outside the core.", "source_refs": [ "tokyo_tmg_earnings_2026_06", "tokyo_rent", "tokyo_household", "tokyo_transit" ], "source_evidence": [ { "source_id": "tokyo_tmg_earnings_2026_06", "city": "Tokyo", "role": "earnings", "publisher": "Tokyo Metropolitan Government Statistics", "title": "Monthly Labour Survey — Tokyo, June 2026", "url": "https://www.toukei.metro.tokyo.lg.jp/maikin/2026/mk266f0000.pdf", "observation_period": "June 2026 / released 31 Aug 2026", "retrieved_at": "2026-09-24", "geography": "Tokyo", "source_type": "official", "geography_match": "city_region", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "tokyo_metropolitan_government_statistics", "upstream_dataset": "Monthly Labour Survey — Tokyo, June 2026", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "For establishments with 5+ regular workers across surveyed industries, regularly paid wages were ¥375,854 in June 2026.", "observation_values": [ { "metric": "regularly paid wages", "value": 375854, "unit": "JPY/month" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "tokyo_rent", "city": "Tokyo", "role": "rent", "publisher": "AtHome", "title": "Tokyo 23-ward residential asking-rent series", "url": "https://www.athome.co.jp/corporate/news/data/market/chintai-yachin-202607/", "observation_period": "2026-07", "retrieved_at": "2026-09-23", "geography": "Tokyo 23 wards", "source_type": "market_index", "geography_match": "city", "quality_score": 2, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "athome", "upstream_dataset": "Tokyo 23-ward residential asking-rent series", "dedup_checked": true, "url_verification": "SEARCH_RESULT_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "SEARCH_RECONFIRMED", "external_verification_note": "Direct crawler returned 404, but the exact July 2026 AtHome release is currently indexed at the same URL and title.", "observation_summary": "Tokyo 23-ward residential asking-rent series — used as rent evidence for Tokyo. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "tokyo_household", "city": "Tokyo", "role": "household", "publisher": "Statistics Bureau of Japan", "title": "Family Income and Expenditure Survey 2025", "url": "https://www.stat.go.jp/english/data/tanshin/et25.html", "observation_period": "2025", "retrieved_at": "2026-09-23", "geography": "Japan / one-person tables and Tokyo checks", "source_type": "official", "geography_match": "national_with_city_checks", "quality_score": 3, "freshness_score": 2, "definition_match_score": 2, "independence_cluster": "statistics_bureau_of_japan", "upstream_dataset": "Family Income and Expenditure Survey 2025", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Family Income and Expenditure Survey 2025 — used as household evidence for Tokyo. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" }, { "source_id": "tokyo_transit", "city": "Tokyo", "role": "transit", "publisher": "Tokyo Metro", "title": "Regular ticket / fare information", "url": "https://www.tokyometro.jp/lang_en/ticket/types/regular/index.html", "observation_period": "2026", "retrieved_at": "2026-09-23", "geography": "Tokyo", "source_type": "operator", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "tokyo_metro", "upstream_dataset": "Regular ticket / fare information", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-23", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Direct live reopen confirmed during 2026-09-23 external source audit.", "observation_summary": "Regular ticket / fare information — used as transit evidence for Tokyo. The quality/freshness/definition fields document how directly the source maps to the published persona.", "observation_values": [], "evidence_extraction_status": "SOURCE_METADATA_VERIFIED" } ], "confidence": "Medium" }, { "city": "Tokyo", "metric": "tax.context", "label": "Tax structure", "unit": "text", "published_value": { "display": "Japan national individual income-tax rates are 5%–45%. Tokyo resident income tax adds 4% metropolitan + 6% municipal income-based tax, plus fixed per-capita levies/forest-environment tax; actual liability depends on deductions and circumstances." }, "basis": "Official national and Tokyo resident-tax structure.", "derivation_method": "Descriptive tax context only; no individual liability calculation.", "source_refs": [ "tokyo_nta_tax_2026", "tokyo_resident_tax" ], "source_evidence": [ { "source_id": "tokyo_nta_tax_2026", "city": "Tokyo", "role": "tax_context", "publisher": "National Tax Agency Japan", "title": "Income tax rates", "url": "https://www.nta.go.jp/taxes/shiraberu/taxanswer/shotoku/2260.htm", "observation_period": "law current 1 Apr 2026", "retrieved_at": "2026-09-24", "geography": "Japan", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "national_tax_agency_japan", "upstream_dataset": "Income tax rates", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "National individual income-tax rates run from 5% to 45% across seven brackets, before reconstruction surtax and other rules.", "observation_values": [ { "metric": "national marginal rate range", "low": 5, "high": 45, "unit": "percent" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" }, { "source_id": "tokyo_resident_tax", "city": "Tokyo", "role": "tax_context", "publisher": "Tokyo Metropolitan Government Bureau of Taxation", "title": "Individual resident tax", "url": "https://www.tax.metro.tokyo.lg.jp/kazei/life/kojin_ju", "observation_period": "current / reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Tokyo", "source_type": "official", "geography_match": "city", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "tokyo_metropolitan_government_bureau_of_taxation", "upstream_dataset": "Individual resident tax", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Income-based resident tax: 4% metropolitan + 6% municipal, plus fixed per-capita levies and forest-environment tax.", "observation_values": [ { "metric": "income-based resident tax", "value": 10, "unit": "percent" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Tokyo", "metric": "context.internet", "label": "Home fibre-use context", "unit": "number", "published_value": { "low": 52.5, "mode": 52.5, "high": 52.5 }, "basis": "Tokyo FY2025 resident internet survey home fibre-use share; this is usage/adoption, not availability.", "derivation_method": "Direct city survey share with definition explicitly limited to respondents/use.", "source_refs": [ "tokyo_digital_survey_2025" ], "source_evidence": [ { "source_id": "tokyo_digital_survey_2025", "city": "Tokyo", "role": "internet_context", "publisher": "Tokyo Metropolitan Government Digital Service Bureau", "title": "FY2025 Internet communications environment and usage survey", "url": "https://www.digitalservice.metro.tokyo.lg.jp/business/tokyo-data-highway/visualization/questionnaire", "observation_period": "FY2025 survey released Feb 2026", "retrieved_at": "2026-09-24", "geography": "Tokyo", "source_type": "official", "geography_match": "city_survey", "quality_score": 3, "freshness_score": 3, "definition_match_score": 2, "independence_cluster": "tokyo_metropolitan_government_digital_service_bureau", "upstream_dataset": "FY2025 Internet communications environment and usage survey", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Tokyo resident survey; home fibre-line use share reported at 52.5% in the underlying FY2025 survey.", "observation_values": [ { "metric": "home fibre use share", "value": 52.5, "unit": "percent respondents" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" }, { "city": "Tokyo", "metric": "context.air_quality", "label": "Air quality — PM2.5", "unit": "number", "published_value": { "low": 8.8, "mode": 8.8, "high": 8.8 }, "basis": "Tokyo FY2024 PM2.5 annual mean across general monitoring stations.", "derivation_method": "Direct official annual monitoring average.", "source_refs": [ "tokyo_air_2024" ], "source_evidence": [ { "source_id": "tokyo_air_2024", "city": "Tokyo", "role": "air_quality", "publisher": "Tokyo Metropolitan Government Bureau of Environment", "title": "2024 annual air-pollution measurement summary", "url": "https://www.kankyo.metro.tokyo.lg.jp/documents/d/kankyo/torikumi-result_measurement-files-taikikekka2024", "observation_period": "FY2024", "retrieved_at": "2026-09-24", "geography": "Tokyo", "source_type": "official", "geography_match": "city_region", "quality_score": 3, "freshness_score": 2, "definition_match_score": 3, "independence_cluster": "tokyo_metropolitan_government_bureau_of_environment", "upstream_dataset": "2024 annual air-pollution measurement summary", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "FY2024 PM2.5 annual average across Tokyo general monitoring stations was 8.8 μg/m³; 23-ward general stations averaged 9.2 μg/m³.", "observation_values": [ { "metric": "Tokyo general stations PM2.5 annual average", "value": 8.8, "unit": "µg/m³" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Tokyo", "metric": "context.safety", "label": "Official crime-count context", "unit": "number", "published_value": { "low": 99349.0, "mode": 99349.0, "high": 99349.0 }, "basis": "Tokyo Metropolitan Police recognized Penal Code offences in 2025.", "derivation_method": "Direct annual police count; not population-normalized and not a subjective safety score.", "source_refs": [ "tokyo_police_crime_2025" ], "source_evidence": [ { "source_id": "tokyo_police_crime_2025", "city": "Tokyo", "role": "safety", "publisher": "Tokyo Metropolitan Police Department", "title": "Crime in Tokyo — 2025 edition", "url": "https://www.keishicho.metro.tokyo.lg.jp/about_mpd/jokyo_tokei/jokyo/hanzai.html", "observation_period": "2025", "retrieved_at": "2026-09-24", "geography": "Tokyo", "source_type": "official", "geography_match": "city_region", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "tokyo_metropolitan_police_department", "upstream_dataset": "Crime in Tokyo — 2025 edition", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "99,349 recognized Penal Code offences in Tokyo during 2025; theft accounted for over 60%.", "observation_values": [ { "metric": "recognized Penal Code offences", "value": 99349, "unit": "cases/year" } ], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Tokyo", "metric": "context.climate", "label": "Climate normals", "unit": "text", "published_value": { "display": "Tokyo 1991–2020 normals: January mean 5.4°C, July 25.7°C and August 26.9°C; annual mean is about 15.8°C." }, "basis": "Japan Meteorological Agency Tokyo station climate normals.", "derivation_method": "Direct official long-term climate normals.", "source_refs": [ "tokyo_jma_normals" ], "source_evidence": [ { "source_id": "tokyo_jma_normals", "city": "Tokyo", "role": "climate", "publisher": "Japan Meteorological Agency", "title": "Tokyo climate normals", "url": "https://www.data.jma.go.jp/cpd/monitor/climatview/graph_mkhtml_nrm.php?m=2&n=47662", "observation_period": "1991–2020 normals", "retrieved_at": "2026-09-24", "geography": "Tokyo station", "source_type": "official", "geography_match": "city_station", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "japan_meteorological_agency", "upstream_dataset": "Tokyo climate normals", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Tokyo normals: January mean 5.4°C, July 25.7°C, August 26.9°C; annual mean about 15.8°C.", "observation_values": [], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "High" }, { "city": "Tokyo", "metric": "context.health_access", "label": "Healthcare access context", "unit": "text", "published_value": { "display": "Tokyo residents use Japan’s statutory health-insurance framework, generally with copayments (commonly 30% for insured people under 70) plus income/age rules and high-cost protections." }, "basis": "National health-insurance access/cost-sharing context used for Tokyo.", "derivation_method": "Descriptive context; exact copayment/coverage varies.", "source_refs": [ "tokyo_mhlw_health" ], "source_evidence": [ { "source_id": "tokyo_mhlw_health", "city": "Tokyo", "role": "public_health", "publisher": "Ministry of Health, Labour and Welfare Japan", "title": "Health insurance / patient cost sharing", "url": "https://www.mhlw.go.jp/stf/seisakunitsuite/bunya/kenkou_iryou/iryouhoken/index.html", "observation_period": "current system / reviewed 2026-09-24", "retrieved_at": "2026-09-24", "geography": "Japan", "source_type": "official", "geography_match": "national_proxy", "quality_score": 3, "freshness_score": 3, "definition_match_score": 3, "independence_cluster": "ministry_of_health,_labour_and_welfare_japan", "upstream_dataset": "Health insurance / patient cost sharing", "dedup_checked": true, "url_verification": "DIRECT_OPEN_CONFIRMED", "external_verified_at": "2026-09-24", "external_verification_status": "DIRECT_REOPEN_CONFIRMED", "external_verification_note": "Exact source and observation definition checked during the V5.9 global detail build.", "observation_summary": "Japan’s statutory health insurance uses patient cost sharing; most people under 70 generally pay 30%, with age/income exceptions and high-cost protections.", "observation_values": [], "evidence_extraction_status": "SOURCE_VALUES_EXTRACTED" } ], "confidence": "Medium" } ] }