{
  "_meta": {
    "purpose": "Phase 1 regional pre-fill for the Rental Property Cash Flow Calculator: state-level effective property-tax rate, rental vacancy rate, and an average insurance premium. Every value is a STARTING ESTIMATE the user can edit; nothing is asserted as exact for a specific property.",
    "propertyTaxSource": "Tax Foundation, Property Taxes by State (effective rate on owner-occupied housing value), 2024 figures.",
    "vacancySource": "U.S. Census Bureau, Housing Vacancy Survey (HVS) — rental vacancy rate by state, 2024 annual averages (rounded).",
    "insuranceSource": "Composite of public homeowners/landlord premium averages; weak and fast-moving (esp. FL/LA/CA) — shown as a rough starting estimate only.",
    "year": 2024,
    "resolverRule": "Resolve most-specific available: county/metro -> state -> national default in rental-defaults.json. If this file is missing or a region is absent, the calculator falls back silently to national defaults.",
    "phase2Ready": "Each state may carry an optional 'counties' map (property tax) and a top-level 'metros' map (vacancy) without any code change."
  },
  "states": {
    "AL": { "name": "Alabama", "propertyTaxRatePct": 0.40, "vacancyRatePct": 8.5, "insuranceAnnual": 1700 },
    "AK": { "name": "Alaska", "propertyTaxRatePct": 1.04, "vacancyRatePct": 6.0, "insuranceAnnual": 1100 },
    "AZ": { "name": "Arizona", "propertyTaxRatePct": 0.63, "vacancyRatePct": 6.5, "insuranceAnnual": 1600 },
    "AR": { "name": "Arkansas", "propertyTaxRatePct": 0.62, "vacancyRatePct": 9.0, "insuranceAnnual": 2300 },
    "CA": { "name": "California", "propertyTaxRatePct": 0.71, "vacancyRatePct": 4.0, "insuranceAnnual": 1500 },
    "CO": { "name": "Colorado", "propertyTaxRatePct": 0.51, "vacancyRatePct": 5.5, "insuranceAnnual": 2200 },
    "CT": { "name": "Connecticut", "propertyTaxRatePct": 1.79, "vacancyRatePct": 5.0, "insuranceAnnual": 1700 },
    "DE": { "name": "Delaware", "propertyTaxRatePct": 0.58, "vacancyRatePct": 6.0, "insuranceAnnual": 1000 },
    "DC": { "name": "District of Columbia", "propertyTaxRatePct": 0.57, "vacancyRatePct": 6.5, "insuranceAnnual": 1300 },
    "FL": { "name": "Florida", "propertyTaxRatePct": 0.86, "vacancyRatePct": 8.0, "insuranceAnnual": 4200 },
    "GA": { "name": "Georgia", "propertyTaxRatePct": 0.90, "vacancyRatePct": 7.5, "insuranceAnnual": 1900 },
    "HI": { "name": "Hawaii", "propertyTaxRatePct": 0.29, "vacancyRatePct": 6.0, "insuranceAnnual": 1300 },
    "ID": { "name": "Idaho", "propertyTaxRatePct": 0.63, "vacancyRatePct": 5.0, "insuranceAnnual": 1300 },
    "IL": { "name": "Illinois", "propertyTaxRatePct": 2.08, "vacancyRatePct": 6.5, "insuranceAnnual": 1600 },
    "IN": { "name": "Indiana", "propertyTaxRatePct": 0.84, "vacancyRatePct": 7.0, "insuranceAnnual": 1500 },
    "IA": { "name": "Iowa", "propertyTaxRatePct": 1.52, "vacancyRatePct": 7.0, "insuranceAnnual": 1500 },
    "KS": { "name": "Kansas", "propertyTaxRatePct": 1.34, "vacancyRatePct": 8.0, "insuranceAnnual": 2400 },
    "KY": { "name": "Kentucky", "propertyTaxRatePct": 0.83, "vacancyRatePct": 7.5, "insuranceAnnual": 1900 },
    "LA": { "name": "Louisiana", "propertyTaxRatePct": 0.56, "vacancyRatePct": 9.5, "insuranceAnnual": 3900 },
    "ME": { "name": "Maine", "propertyTaxRatePct": 1.24, "vacancyRatePct": 5.0, "insuranceAnnual": 1200 },
    "MD": { "name": "Maryland", "propertyTaxRatePct": 1.05, "vacancyRatePct": 6.0, "insuranceAnnual": 1500 },
    "MA": { "name": "Massachusetts", "propertyTaxRatePct": 1.14, "vacancyRatePct": 4.5, "insuranceAnnual": 1700 },
    "MI": { "name": "Michigan", "propertyTaxRatePct": 1.38, "vacancyRatePct": 7.0, "insuranceAnnual": 1500 },
    "MN": { "name": "Minnesota", "propertyTaxRatePct": 1.11, "vacancyRatePct": 5.5, "insuranceAnnual": 1900 },
    "MS": { "name": "Mississippi", "propertyTaxRatePct": 0.79, "vacancyRatePct": 10.0, "insuranceAnnual": 2500 },
    "MO": { "name": "Missouri", "propertyTaxRatePct": 0.97, "vacancyRatePct": 8.5, "insuranceAnnual": 2000 },
    "MT": { "name": "Montana", "propertyTaxRatePct": 0.74, "vacancyRatePct": 5.0, "insuranceAnnual": 2100 },
    "NE": { "name": "Nebraska", "propertyTaxRatePct": 1.63, "vacancyRatePct": 6.5, "insuranceAnnual": 2600 },
    "NV": { "name": "Nevada", "propertyTaxRatePct": 0.55, "vacancyRatePct": 7.0, "insuranceAnnual": 1300 },
    "NH": { "name": "New Hampshire", "propertyTaxRatePct": 1.93, "vacancyRatePct": 4.0, "insuranceAnnual": 1200 },
    "NJ": { "name": "New Jersey", "propertyTaxRatePct": 2.23, "vacancyRatePct": 5.0, "insuranceAnnual": 1300 },
    "NM": { "name": "New Mexico", "propertyTaxRatePct": 0.73, "vacancyRatePct": 6.5, "insuranceAnnual": 1800 },
    "NY": { "name": "New York", "propertyTaxRatePct": 1.40, "vacancyRatePct": 5.0, "insuranceAnnual": 1600 },
    "NC": { "name": "North Carolina", "propertyTaxRatePct": 0.80, "vacancyRatePct": 7.0, "insuranceAnnual": 1900 },
    "ND": { "name": "North Dakota", "propertyTaxRatePct": 0.98, "vacancyRatePct": 7.5, "insuranceAnnual": 1700 },
    "OH": { "name": "Ohio", "propertyTaxRatePct": 1.53, "vacancyRatePct": 7.0, "insuranceAnnual": 1300 },
    "OK": { "name": "Oklahoma", "propertyTaxRatePct": 0.89, "vacancyRatePct": 9.0, "insuranceAnnual": 3300 },
    "OR": { "name": "Oregon", "propertyTaxRatePct": 0.93, "vacancyRatePct": 4.5, "insuranceAnnual": 1000 },
    "PA": { "name": "Pennsylvania", "propertyTaxRatePct": 1.49, "vacancyRatePct": 6.5, "insuranceAnnual": 1200 },
    "RI": { "name": "Rhode Island", "propertyTaxRatePct": 1.40, "vacancyRatePct": 5.0, "insuranceAnnual": 1700 },
    "SC": { "name": "South Carolina", "propertyTaxRatePct": 0.57, "vacancyRatePct": 8.0, "insuranceAnnual": 1900 },
    "SD": { "name": "South Dakota", "propertyTaxRatePct": 1.17, "vacancyRatePct": 6.5, "insuranceAnnual": 2200 },
    "TN": { "name": "Tennessee", "propertyTaxRatePct": 0.66, "vacancyRatePct": 7.5, "insuranceAnnual": 1900 },
    "TX": { "name": "Texas", "propertyTaxRatePct": 1.63, "vacancyRatePct": 8.5, "insuranceAnnual": 2900 },
    "UT": { "name": "Utah", "propertyTaxRatePct": 0.57, "vacancyRatePct": 5.0, "insuranceAnnual": 1200 },
    "VT": { "name": "Vermont", "propertyTaxRatePct": 1.83, "vacancyRatePct": 4.0, "insuranceAnnual": 1100 },
    "VA": { "name": "Virginia", "propertyTaxRatePct": 0.82, "vacancyRatePct": 6.0, "insuranceAnnual": 1500 },
    "WA": { "name": "Washington", "propertyTaxRatePct": 0.87, "vacancyRatePct": 4.5, "insuranceAnnual": 1300 },
    "WV": { "name": "West Virginia", "propertyTaxRatePct": 0.55, "vacancyRatePct": 8.0, "insuranceAnnual": 1500 },
    "WI": { "name": "Wisconsin", "propertyTaxRatePct": 1.61, "vacancyRatePct": 5.5, "insuranceAnnual": 1300 },
    "WY": { "name": "Wyoming", "propertyTaxRatePct": 0.61, "vacancyRatePct": 6.5, "insuranceAnnual": 1600 }
  },
  "metros": {}
}