Homeowner
Owner-occupied household profile from CEX 2000 Table 3. Owned-shelter operating cost replaces rent. National headline numbers and per-stratum decomposition follow; switch to a specific state for the state-resolved version.
The Fixed Basket Index for the Homeowner archetype, January 2000 = 100. Download the full series: JSON · CSV.
The headline counts healthcare at total cost — including the
employer-paid share of the insurance premium (national-accounts-consistent).
Counting only what a household pays from its own pocket, the
Homeowner annual rate is
3.13%/yr
vs 3.52%/yr standard.
Same price series, healthcare re-weighted — see the
methodology, or query
?basket=spendable on the API.
Per-stratum decomposition
Each contribution is the stratum's weight × its long-run rate over its coverage window. They reconcile to the headline annual rate via a chain-link & coverage residual (the index is chain-linked at composition boundaries and some strata cover only part of the window) — shown in the table footer.
| Stratum | Weight | Long-run rate | Contribution | Coverage | Detail |
|---|---|---|---|---|---|
| Healthcare — total premium | 14.76% | 5.69% | +0.84 pp | 312 | View → |
| Shelter — owned operating cost | 10.34% | 4.13% | +0.43 pp | 312 | View → |
| Entertainment and reading | 8.37% | 4.21% | +0.35 pp | 312 | View → |
| Transportation — vehicles | 13.64% | 2.47% | +0.34 pp | 312 | View → |
| Food at home | 11.59% | 2.72% | +0.32 pp | 311 | View → |
| Home energy | 5.51% | 3.95% | +0.22 pp | 312 | View → |
| Transportation — services | 10.93% | 1.88% | +0.21 pp | 312 | View → |
| Gasoline | 5.14% | 3.17% | +0.16 pp | 312 | View → |
| Apparel | 7.15% | 1.84% | +0.13 pp | 192 | View → |
| Education | 2.25% | 4.42% | +0.10 pp | 288 | View → |
| Other lodging | 2.10% | 2.53% | +0.05 pp | 300 | View → |
| Shelter — rent | 0.16% | 3.86% | +0.01 pp | 312 | View → |
| Postage (USPS) | 0.13% | 3.37% | +0.00 pp | 312 | View → |
| Communications | 3.27% | -1.76% | -0.06 pp | 312 | View → |
| Healthcare — out-of-pocket | 4.65% | -2.05% | -0.10 pp | 204 | View → |
| Contributions, summed | +3.00 pp | ||||
| Chain-link & coverage residual | +0.52 pp | ||||
| Headline annual rate | 3.52% |
Resolve by state
The Homeowner headline above uses national weights × national prices. For a state-resolved version (national weights × state-specific prices with documented per-stratum fallback), select a state below.
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- District of Columbia
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Methodology
The Homeowner archetype is one of 10 published profiles. See all archetypes for the full set, the basket page for per-archetype weight schedules, and the methodology page for the load-bearing pillars.