Home Price Index

**Overview**
CoreLogic HPI is the most current, comprehensive set of home-price indexes available on the market.

Built on industry-leading servicing and securities real-estate databases, CoreLogic HPI incorporates more than 40 years of repeat sales transactions for analyzing historic, current and future home price trends and producing multi-tier, multi-level market evaluations.

CoreLogic HPI serves as a repeat-sales index that tracks increases and decreases in the same home’s sales price over time – whether single-family attached or single-family detached. This in turn creates a more accurate “constant-quality” view of pricing trends than other pricing analyses based on all home sales.

**Use cases**
- **Economic Impact Analysis** - As an analyst at a government agency, I need to look at current and historic house price trends by CBSA.
- **Asset Validation** - HPI data can provide an additional validation point for a property's value. Real estate professionals and investors can use it to compare the price of a specific property against the trend in its area to determine if it's overpriced or underpriced.
- **Pricing Analysis** - Real estate professionals and investors can use the HPI to understand the price trends in different areas, which can inform their pricing strategies for buying or selling properties.
- **Demand Forecasting** - By analyzing trends in the HPI, businesses can anticipate future demand in the housing market. This can inform a range of business decisions, from developers deciding where to build new housing to retailers deciding where to open new stores.
- **Regulatory Reporting** - For financial institutions, HPI can be used in reporting to regulators about the value and risk of their real estate portfolio. This data can help these institutions demonstrate that they are managing their risks effectively.
- **Risk Analysis** - For financial institutions providing mortgages or home equity loans, HPI data can help in assessing the risk associated with a property. If the property is in an area where the HPI indicates a decline, it might pose a higher risk for the lender.

**Product details**
Add a maximum of 10 sample datasets and field names that represent your dataset.

- Datasets represented include HPI Forecast by ZIP Code, HPI Forecast by County, HPI Forecast by CBSA and HPI Forecast Market Indicator.
- Sample fields include Home Price Index, Tier Name, Volatility Index, Standard Deviation, Repeat Sales Count and Repeat Sales Median.

**概述**
CoreLogic住宅价格指数（CoreLogic HPI）是当前市场上可获取的时效性最强、覆盖范围最全面的住宅价格指数套件。

该指数基于行业领先的物业服务与证券化房地产数据库构建，整合了逾40年的重复销售交易数据，可用于分析历史、当前及未来住宅价格趋势，并生成多层级、多维度的市场评估。

CoreLogic HPI属于重复销售指数，可追踪同一住宅（无论为联排单户住宅还是独立单户住宅）的销售价格随时间的涨跌幅度。相较于基于所有住宅交易的其他价格分析方法，该指数能够更精准地呈现“恒定品质”的价格趋势。

**应用场景**
- **经济影响分析**：若担任政府机构分析师，可依据该指数按核心基于统计区域（Core Based Statistical Area，CBSA）梳理当前及历史住宅价格趋势。
- **资产估值验证**：HPI数据可为物业价值提供额外的验证维度。房地产从业者与投资者可将特定物业的售价与其所在区域的价格趋势进行对比，以此判断该物业是否存在定价过高或过低的情况。
- **定价分析**：房地产从业者与投资者可借助HPI了解不同区域的价格走势，从而为房产买卖的定价策略提供决策依据。
- **需求预测**：通过分析HPI的走势，企业可预判住宅市场的未来需求，这一信息可支撑多类商业决策：从开发商决定新建住宅的选址，到零售商确定新店的开设点位。
- **监管报送**：对于金融机构而言，HPI可用于向监管机构报送其房地产投资组合的价值与风险情况，助力这些机构证明自身已有效开展风险管理。
- **风险分析**：对于发放抵押贷款或房屋净值贷款的金融机构来说，HPI数据可用于评估与物业相关的风险。若某物业所在区域的HPI呈现下跌趋势，则可能为放贷机构带来更高的风险。

**产品详情**
最多可添加10个代表该数据集的示例数据集与字段名称。
- 涵盖的数据集类型包括：按邮政编码（ZIP Code）划分的HPI预测数据、按县（County）划分的HPI预测数据、按核心基于统计区域（CBSA）划分的HPI预测数据，以及HPI预测市场指标。
- 示例字段包括：住宅价格指数、层级名称、波动性指数、标准差、重复销售计数、重复销售中位数。

搜集汇总

背景与挑战

背景概述

Home Price Index是由Cotality提供的房价指数数据集，基于超过40年的重复销售交易数据，提供多层级（如邮政编码、县、CBSA）的房价趋势分析和预测。该数据集通过跟踪同一房产的价格变化，确保更准确的“恒定质量”视图，适用于经济分析、资产验证、风险管理和需求预测等多种金融和房地产应用场景。