{
  "project": "gpu-pilot",
  "doc": "tlccosts/RESULTS.md",
  "title": "True Lifestyle Cost Index v1 \u2014 NYC Pilot Results",
  "oneline": "11 counties \u00d7 3 income bases \u00d7 2 U scopes \u2014 HUD-vs-median gap quantified (+47% avg), LEAD county energy live, CNT r=0.90 holds.",
  "tldr": [
    "At HUD AMI (the product default), TLC% (u_full) runs 23.2 (Middlesex) \u2192 30.8 (South Central CT) and every pilot county clears the 48% line \u2014 because HUD FY2026 AMI runs +37% to +66% above the CBSA median household income v0 used. At each county's OWN median the picture flips: New Haven 43.3 / Bridgeport 43.1 press the line. The income basis is now the story \u2014 hence the radio-button picker.",
    "U is real now: LEAD county energy $180/mo (Hudson, urban gas) to $508/mo (Western CT, oil heat) at the AMI bracket vs v0's flat $221\u2013243 state placeholder; EIA per-fuel trending (NJ elec \u00d71.37 since 2022, oil \u00d70.85). u_full adds $267\u2013282/mo (water/sewer $69 + broadband $85\u2013100 + cell $113 + trash $0-toggle).",
    "HUD gap table (decision #2 confirmed): Nassau/Suffolk/Westchester HUD MFI $164.3K vs $99.2K CBSA median (+66%); Jersey City HMFA's published 80% limit ($117,900) EXCEEDS its own MFI ($110,100) \u2014 HUD high-housing-cost adjustment, verified not a bug.",
    "Validation holds: comparable construct vs CNT ht_ami r=0.90 / \u03c1=0.87 (v0: 0.90/0.89) \u2014 the workers-per-HH reweight (C up 17\u201338%) did not degrade the benchmark. Tiers shipped: metro quintiles + CNT national percentile context (Hudson sits at the 1.8th percentile of CNT's national distribution; Nassau 82.9th).",
    "All five open decisions RESOLVED 2026-06-12 (LEAD+u_full, HUD income picker, spelled-out name, 48%+tiers, household basis); v2 queue: remote-share discount, LEHD destinations, metro water rates, tract pages (LEAD tract energy already staged)."
  ],
  "updated": "2026-06-12 04:42",
  "sections": [
    {
      "level": 1,
      "title": "True Lifestyle Cost Index \u2014 NYC Pilot Results (v1)"
    },
    {
      "level": 2,
      "title": "Headline (v1)"
    },
    {
      "level": 2,
      "title": "v1 county table (HUD-AMI basis, sorted by TLC% u_full; monthly $)"
    },
    {
      "level": 2,
      "title": "u_full component build (the decision-#1 expansion)"
    },
    {
      "level": 2,
      "title": "HUD AMI vs the medians (decision #2 \u2014 Krishna's read confirmed)"
    },
    {
      "level": 2,
      "title": "v0 \u2192 v1: what changed and why"
    },
    {
      "level": 2,
      "title": "CNT H+T\u00ae benchmark recheck (\u00a9 CNT, comparison only)"
    },
    {
      "level": 2,
      "title": "v1 caveats (all flagged in the CSV `flags` column)"
    },
    {
      "level": 2,
      "title": "Decisions \u2014 RESOLVED 2026-06-12 (Krishna)"
    },
    {
      "level": 2,
      "title": "Open items (v2)"
    }
  ],
  "stats": {
    "lines": 194,
    "words": 2192
  },
  "html": "https://board.certihomes.com/project-docs/gpu-pilot/tlccosts-RESULTS.html",
  "out_name": "tlccosts-RESULTS.md",
  "comments_api": "https://board.certihomes.com/api/doc-comments?project=gpu-pilot&doc=tlccosts/RESULTS.md"
}