{"name":"HomeCostGrid State Home Intelligence","updatedAt":"2026-07-30","filters":{"state":"MD","category":null},"count":57,"signals":[{"id":"md.state-name","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"identity","label":"Jurisdiction","value":"Maryland","context":"MD is included with all 50 states and Washington, DC.","action":"Open the complete Maryland cost guide before comparing cities.","sourceLabel":"U.S. Census Bureau — QuickFacts","sourceUrl":"https://www.census.gov/quickfacts/","updatedAt":"2026-07-30"},{"id":"md.state-code","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"identity","label":"Postal code","value":"MD","context":"Used across HomeCostGrid state, city, insurance and project models.","action":"Confirm the state code when using the public API or CSV export.","sourceLabel":"U.S. Census Bureau — QuickFacts","sourceUrl":"https://www.census.gov/quickfacts/","updatedAt":"2026-07-30"},{"id":"md.region","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"identity","label":"Census-style region","value":"South","context":"A broad navigation aid, not a substitute for county or metro research.","action":"Compare nearby states in the same region before making a move shortlist.","sourceLabel":"U.S. Census Bureau — QuickFacts","sourceUrl":"https://www.census.gov/quickfacts/","updatedAt":"2026-07-30"},{"id":"md.climate","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"identity","label":"Planning climate","value":"Mixed","context":"A broad planning category used to frame envelope, HVAC and moisture questions.","action":"Verify the exact IECC climate zone and local conditions for the project address.","sourceLabel":"ENERGY STAR — Home Improvement","sourceUrl":"https://www.energystar.gov/saveathome","updatedAt":"2026-07-30"},{"id":"md.rpp","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"market","label":"Regional price parity","value":"105.0","context":"2024 statewide price level with the United States equal to 100; 5.0% above the national benchmark.","action":"Use this as a broad starting point, then price housing and services in the exact metro.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.rpp-difference","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"market","label":"Difference from U.S. price level","value":"+5.0 points","context":"5.0% above the national benchmark","action":"Build a household-specific monthly budget rather than treating the index as a quote.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.rpp-tier","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"market","label":"Price-level band","value":"Middle","context":"HomeCostGrid band derived from the published state price index.","action":"Compare income, housing, insurance and transportation together before judging affordability.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.monthly-operations","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"market","label":"Monthly home operations point","value":"$892","context":"Illustrative non-mortgage planning point adjusted by state prices and electricity input.","action":"Replace this model value with the home’s actual utility, maintenance and service history.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.annual-operations","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"market","label":"Annual home operations point","value":"$10,704","context":"Twelve-month extension of the modeled monthly home operations point.","action":"Keep a separate reserve for major systems such as roof, HVAC and water heater.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.electric-rate","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"energy","label":"Electricity planning input","value":"$0.18/kWh","context":"Dated statewide planning input; the actual tariff, utility and bill structure vary by address.","action":"Check the serving utility and current residential tariff before estimating savings.","sourceLabel":"U.S. Energy Information Administration — State Electricity Profiles","sourceUrl":"https://www.eia.gov/electricity/state/","updatedAt":"2026-07-30"},{"id":"md.electric-relative","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"energy","label":"Electricity vs planning baseline","value":"Near the national benchmark","context":"Compared with HomeCostGrid’s $0.18/kWh national planning baseline.","action":"Model both today’s tariff and a higher-price stress case for long-lived equipment.","sourceLabel":"U.S. Energy Information Administration — State Electricity Profiles","sourceUrl":"https://www.eia.gov/electricity/state/","updatedAt":"2026-07-30"},{"id":"md.electric-tier","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"energy","label":"Electricity cost band","value":"Middle","context":"HomeCostGrid band for early energy-budget triage.","action":"Do not use this band to choose a rate plan; review fixed fees, tiers and time-of-use rules.","sourceLabel":"U.S. Energy Information Administration — State Electricity Profiles","sourceUrl":"https://www.eia.gov/electricity/state/","updatedAt":"2026-07-30"},{"id":"md.utility-programs","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"energy","label":"Utility program starting point","value":"Address check required","context":"EmPOWER Maryland programs are delivered through participating utilities.","action":"Confirm the serving utility, equipment eligibility, contractor rules and funding availability.","sourceLabel":"U.S. Energy Information Administration — State Electricity Profiles","sourceUrl":"https://www.eia.gov/electricity/state/","updatedAt":"2026-07-30"},{"id":"md.climate-energy-priority","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"energy","label":"First energy priority","value":"Envelope + balanced HVAC","context":"Broad mixed-climate planning sequence.","action":"Start with an energy assessment and equipment sizing, not a product-only recommendation.","sourceLabel":"ENERGY STAR — Home Improvement","sourceUrl":"https://www.energystar.gov/saveathome","updatedAt":"2026-07-30"},{"id":"md.installation-index","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"projects","label":"Installation factor","value":"1.08×","context":"HomeCostGrid early-planning factor informed by regional price and market context.","action":"Replace with equal-scope local contractor quotes before committing.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.installation-relative","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"projects","label":"Installation vs baseline","value":"8.0% above the national benchmark","context":"Relative to HomeCostGrid’s national installation baseline of 1.00.","action":"Ask each quote to separate labor, materials, permits, disposal and contingency.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.labor-factor","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"projects","label":"Labor planning multiplier","value":"1.08×","context":"Modeled state labor factor for early project comparison.","action":"Verify licensed-contractor labor and crew availability in the exact county.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.material-factor","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"projects","label":"Material planning multiplier","value":"1.04×","context":"Modeled material factor before product, freight, tax and availability are known.","action":"Request an itemized material schedule and current delivered price.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.permit-factor","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"projects","label":"Permit planning multiplier","value":"1.02×","context":"Modeled allowance factor; permit authority and fee schedule are local.","action":"Use the official city or county permit office for scope, fees and inspections.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.furnishing-point","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"projects","label":"Whole-home furnishing point","value":"$18,900","context":"Illustrative whole-home furnishing point adjusted by state price level.","action":"Split safety, sleep, kitchen and storage needs from décor and upgrades.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.furnishing-range","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"projects","label":"Whole-home furnishing range","value":"$15,120–$23,625","context":"Broad early-planning range; home size, room count and quality level drive the result.","action":"Use the furnishing calculator with room count and budget tier.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.move-in-point","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"projects","label":"Move-in reserve point","value":"$6,500","context":"Modeled reserve for moving, deposits, essentials and contingency.","action":"Add overlap rent or mortgage, travel, storage and address-specific deposits.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.move-in-range","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"projects","label":"Move-in reserve range","value":"$5,200–$7,800","context":"Illustrative range before distance, household size and lease or closing terms.","action":"Keep the moving reserve separate from renovation cash.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.kitchen-point","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"projects","label":"Kitchen project point","value":"$30,000","context":"Early state-adjusted planning point, not a contractor quote.","action":"Define layout changes, cabinet scope, appliances, surfaces, permits and contingency.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.kitchen-range","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"projects","label":"Kitchen project range","value":"$22,500–$40,500","context":"Broad range intended to expose scope sensitivity.","action":"Compare equal drawings and specifications across bidders.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.cost-of-living-index","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"projects","label":"Project cost-of-living factor","value":"108","context":"HomeCostGrid location factor used inside project planning models.","action":"Use a supported city factor when the project is in a major metro.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.savings-playbook","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"projects","label":"State savings playbook","value":"5 practical checks","context":"State- and climate-aware budgeting prompts.","action":"Read the Maryland guide and apply only the checks relevant to the address.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.property-tax-rate","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"property-tax","label":"Effective property-tax benchmark","value":"0.92%","context":"State benchmark based on cited property-tax source; actual bills are local and property-specific.","action":"Check the assessor, exemptions, millage and current taxable value for the address.","sourceLabel":"Tax Foundation — Property taxes by state and county (2026 publication; 2024 ACS data)","sourceUrl":"https://taxfoundation.org/data/all/state/property-taxes-by-state-county/","updatedAt":"2026-07-30"},{"id":"md.property-tax-annual","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"property-tax","label":"Annual tax on $400K illustration","value":"$3,680","context":"Simple illustration using the state effective-rate benchmark and a $400,000 value.","action":"Replace with the parcel’s assessed value, local rate and eligible exemptions.","sourceLabel":"Tax Foundation — Property taxes by state and county (2026 publication; 2024 ACS data)","sourceUrl":"https://taxfoundation.org/data/all/state/property-taxes-by-state-county/","updatedAt":"2026-07-30"},{"id":"md.property-tax-monthly","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"property-tax","label":"Monthly tax on $400K illustration","value":"$307","context":"Annual illustration divided by twelve; not an escrow quote.","action":"Review the lender’s escrow estimate and the latest local tax bill.","sourceLabel":"Tax Foundation — Property taxes by state and county (2026 publication; 2024 ACS data)","sourceUrl":"https://taxfoundation.org/data/all/state/property-taxes-by-state-county/","updatedAt":"2026-07-30"},{"id":"md.property-tax-tier","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"property-tax","label":"Property-tax band","value":"Moderate-high","context":"HomeCostGrid band derived from the published statewide effective-rate benchmark.","action":"Compare after-tax housing costs, not only sale price or rent.","sourceLabel":"Tax Foundation — Property taxes by state and county (2026 publication; 2024 ACS data)","sourceUrl":"https://taxfoundation.org/data/all/state/property-taxes-by-state-county/","updatedAt":"2026-07-30"},{"id":"md.property-tax-locality","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"property-tax","label":"Local tax verification","value":"County or municipality required","context":"Maryland statewide data cannot reproduce a parcel tax bill.","action":"Open the official assessor and tax collector records before making an offer.","sourceLabel":"U.S. Census Bureau — ACS property ownership and housing data","sourceUrl":"https://www.census.gov/acs/www/about/why-we-ask-each-question/ownership/","updatedAt":"2026-07-30"},{"id":"md.auto-insurance-annual","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"insurance","label":"Auto insurance expenditure","value":"$1,477","context":"2023 statewide average expenditure benchmark from NAIC data.","action":"Quote the same drivers, vehicles, mileage, limits and deductibles at the exact ZIP code.","sourceLabel":"NAIC Auto Insurance Database Report 2022/2023","sourceUrl":"https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf","updatedAt":"2026-07-30"},{"id":"md.auto-insurance-monthly","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"insurance","label":"Auto insurance monthly equivalent","value":"$123","context":"State annual benchmark divided by twelve; not a carrier quote.","action":"Compare payment plans and total term cost, not only the monthly installment.","sourceLabel":"NAIC Auto Insurance Database Report 2022/2023","sourceUrl":"https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf","updatedAt":"2026-07-30"},{"id":"md.auto-insurance-relative","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"insurance","label":"Auto insurance vs U.S.","value":"15.2% above the national benchmark","context":"Compared with the cited national benchmark of $1,282.","action":"Test the actual household profile because driver and vehicle factors can outweigh the state average.","sourceLabel":"NAIC Auto Insurance Database Report 2022/2023","sourceUrl":"https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf","updatedAt":"2026-07-30"},{"id":"md.home-insurance-annual","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"insurance","label":"Homeowners HO-3 premium","value":"$1,392","context":"2022 statewide HO-3 average premium benchmark from NAIC data.","action":"Quote replacement cost, roof settlement, deductibles, endorsements and catastrophe terms.","sourceLabel":"NAIC Homeowners Insurance Report 2022","sourceUrl":"https://content.naic.org/sites/default/files/publication-hmr-zu-homeowners-report.pdf","updatedAt":"2026-07-30"},{"id":"md.home-insurance-monthly","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"insurance","label":"Homeowners monthly equivalent","value":"$116","context":"State annual benchmark divided by twelve; not a premium offer.","action":"Check escrow assumptions and renewal risk before setting a long-term budget.","sourceLabel":"NAIC Homeowners Insurance Report 2022","sourceUrl":"https://content.naic.org/sites/default/files/publication-hmr-zu-homeowners-report.pdf","updatedAt":"2026-07-30"},{"id":"md.home-insurance-relative","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"insurance","label":"Homeowners premium vs U.S.","value":"11.3% below the national benchmark","context":"Compared with the cited national benchmark of $1,569.","action":"Use the property’s age, roof, construction, claims and hazard profile in live quotes.","sourceLabel":"NAIC Homeowners Insurance Report 2022","sourceUrl":"https://content.naic.org/sites/default/files/publication-hmr-zu-homeowners-report.pdf","updatedAt":"2026-07-30"},{"id":"md.climate-insurance-question","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"insurance","label":"Climate-risk quote question","value":"Ask before binding","context":"Ask about wind, hail, water backup, flood and rebuilding-cost assumptions for the address.","action":"Get the answer in writing and compare exclusions and separate deductibles.","sourceLabel":"NAIC state insurance departments","sourceUrl":"https://content.naic.org/state-insurance-departments","updatedAt":"2026-07-30"},{"id":"md.flood-insurance-check","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"insurance","label":"Flood coverage check","value":"Address required","context":"Standard home and renters policies generally do not cover flood.","action":"Check FEMA maps, local flood history, lender requirements and building plus contents needs.","sourceLabel":"FEMA — Flood Maps and Risk","sourceUrl":"https://www.fema.gov/flood-maps","updatedAt":"2026-07-30"},{"id":"md.exact-address","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"safeguards","label":"Exact-address budget","value":"Required before decision","context":"Maryland averages cannot capture the home, block, utility territory or commute.","action":"Build a second budget using the actual address, quotes and recurring bills.","sourceLabel":"U.S. Census Bureau — QuickFacts","sourceUrl":"https://www.census.gov/quickfacts/","updatedAt":"2026-07-30"},{"id":"md.county-comparison","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"safeguards","label":"County comparison","value":"Recommended","context":"Housing, tax, insurance and contractor markets can change sharply inside a state.","action":"Compare at least two counties or metros before choosing a destination.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.home-inspection","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"safeguards","label":"Independent home inspection","value":"Scope-dependent","context":"A statewide cost model cannot identify property defects or deferred maintenance.","action":"Use qualified independent inspections and specialist follow-ups where findings warrant them.","sourceLabel":"Consumer Financial Protection Bureau — Owning a Home","sourceUrl":"https://www.consumerfinance.gov/owning-a-home/","updatedAt":"2026-07-30"},{"id":"md.energy-assessment","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"safeguards","label":"Home energy assessment","value":"Recommended before major HVAC","context":"Envelope, duct, moisture and load conditions affect equipment and savings.","action":"Pair assessment results with Manual J or equivalent sizing where appropriate.","sourceLabel":"ENERGY STAR — Home Improvement","sourceUrl":"https://www.energystar.gov/saveathome","updatedAt":"2026-07-30"},{"id":"md.permit-office","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"safeguards","label":"Permit authority","value":"Local verification required","context":"Permit scope, adopted code, fees and inspections are controlled locally.","action":"Use the official city or county building department, not a third-party summary.","sourceLabel":"U.S. Census Bureau — QuickFacts","sourceUrl":"https://www.census.gov/quickfacts/","updatedAt":"2026-07-30"},{"id":"md.contractor-license","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"safeguards","label":"Contractor credential check","value":"Maryland rules apply","context":"Trade licensing, registration, insurance and recovery-fund rules vary.","action":"Verify the business, responsible licensee, insurance and complaint path with official agencies.","sourceLabel":"NAIC state insurance departments","sourceUrl":"https://content.naic.org/state-insurance-departments","updatedAt":"2026-07-30"},{"id":"md.quote-count","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"safeguards","label":"Competitive quote count","value":"At least 3 when practical","context":"Multiple equal-scope bids reveal exclusions and market spread.","action":"Do not automatically choose the lowest bid; reconcile scope, schedule and risk.","sourceLabel":"Consumer Financial Protection Bureau — Owning a Home","sourceUrl":"https://www.consumerfinance.gov/owning-a-home/","updatedAt":"2026-07-30"},{"id":"md.contract-terms","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"safeguards","label":"Written contract","value":"Required for major work","context":"Verbal scope and allowance assumptions create avoidable disputes.","action":"Document scope, plans, products, payment milestones, changes, warranty and cleanup.","sourceLabel":"Consumer Financial Protection Bureau — Owning a Home","sourceUrl":"https://www.consumerfinance.gov/owning-a-home/","updatedAt":"2026-07-30"},{"id":"md.cash-reserve","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"safeguards","label":"Post-closing cash reserve","value":"Household-specific","context":"Closing, moving, first-year repairs and ordinary emergencies compete for the same cash.","action":"Keep emergency cash separate from optional upgrades and furnishing.","sourceLabel":"Consumer Financial Protection Bureau — Owning a Home","sourceUrl":"https://www.consumerfinance.gov/owning-a-home/","updatedAt":"2026-07-30"},{"id":"md.update-check","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"safeguards","label":"Data freshness check","value":"2026-07-30","context":"Each signal carries a source and model update date.","action":"Recheck live rates, programs, fees and quotes whenever the decision date changes.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.source-bea","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"sources","label":"Price-level source","value":"Primary federal data","context":"BEA Regional Price Parities support state price-level comparisons.","action":"Check the source date and method before citing the value.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.source-eia","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"sources","label":"Electricity source","value":"Primary federal data","context":"EIA state electricity data informs the planning input.","action":"Use the serving utility’s current tariff for an address-level decision.","sourceLabel":"U.S. Energy Information Administration — State Electricity Profiles","sourceUrl":"https://www.eia.gov/electricity/state/","updatedAt":"2026-07-30"},{"id":"md.source-property-tax","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"sources","label":"Property-tax source","value":"Published benchmark","context":"State effective-rate context supports comparison, not parcel billing.","action":"Verify the parcel with official local records.","sourceLabel":"Tax Foundation — Property taxes by state and county (2026 publication; 2024 ACS data)","sourceUrl":"https://taxfoundation.org/data/all/state/property-taxes-by-state-county/","updatedAt":"2026-07-30"},{"id":"md.source-auto-insurance","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"sources","label":"Auto insurance source","value":"2023 NAIC","context":"State average expenditure is a market benchmark, not an individual premium.","action":"Use matched live quotes for the actual household.","sourceLabel":"NAIC Auto Insurance Database Report 2022/2023","sourceUrl":"https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf","updatedAt":"2026-07-30"},{"id":"md.source-home-insurance","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"sources","label":"Home insurance source","value":"2022 NAIC","context":"State HO-3 average premium is a historical market benchmark.","action":"Check current replacement-cost and hazard terms for the property.","sourceLabel":"NAIC Homeowners Insurance Report 2022","sourceUrl":"https://content.naic.org/sites/default/files/publication-hmr-zu-homeowners-report.pdf","updatedAt":"2026-07-30"},{"id":"md.source-location-model","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"sources","label":"Project location source","value":"BEA-informed model","context":"Regional planning factors support early project comparisons.","action":"Replace model factors with drawings, quantities and local bids.","sourceLabel":"U.S. Bureau of Economic Analysis — Regional Price Parities","sourceUrl":"https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area","updatedAt":"2026-07-30"},{"id":"md.source-methodology","stateCode":"MD","state":"Maryland","stateSlug":"maryland","category":"sources","label":"Methodology and limitations","value":"Transparent model","context":"The methodology explains estimates, assumptions, review and limitations.","action":"Read the methodology before republishing or making a high-cost decision.","sourceLabel":"HomeCostGrid methodology","sourceUrl":"https://homecostgrid.com/methodology","updatedAt":"2026-07-30"}],"methodology":"https://homecostgrid.com/methodology","limitations":"Statewide planning context, not an address-level quote, appraisal, legal opinion, insurance offer, tax advice or permit decision."}