2026 TrueCarry data release

A reproducible record of the public datasets behind the current launch build.

What changed

Property tax: ACS 2024 five-year tables B25103 and B25077, curated for 3,135 U.S. counties and county equivalents.
Insurance: NAIC 2022 HO-3 state average premiums from the report published in May 2025.
Risk context: FEMA National Risk Index version 1.20 county records.
Launch coverage: 1,243 counties across 14 states (Arizona, California, Florida, Georgia, Illinois, Michigan, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Texas, Virginia, and Washington), with reviewed California and Florida reassessment and exemption guidance.

Why vintages matter

A displayed $4,000/yr tax estimate may use a 2024 ACS effective rate, while its insurance budget begins with a 2022 NAIC premium. TrueCarry shows both vintages because combining them without disclosure would imply a recency the source data does not have.

Publication gates

Records must pass schema, range, completeness, provenance, and freshness checks. Pages must have one canonical intent, unique metadata, a concrete answer, confidence, as-of date, source attribution, methodology, disclaimer, structured data, and no broken internal links.

Confidence: Medium. County tax figures are ACS-derived estimates and homeowners insurance remains a wide historical budget range, not a live quote.

Release reviewed as of 2026-06-22.

Sources: U.S. Census Bureau ACS 5-year summary files; NAIC Homeowners Insurance Report; FEMA National Risk Index.

Read the complete methodology and limitations

Download the Wave 2 county carrying-cost dataset (CSV). The file includes FIPS, ACS tax inputs, median home values, modeled insurance budgets, FEMA risk context, and source vintages.

Disclaimer: Estimates for budgeting only — not a tax bill, not an insurance quote, not legal or tax advice. Verify with the county assessor and a licensed professional before making financial decisions.