It represents the wealth of the area relative to the national level. The Wealth Index is based on a number of indicators of affluence including average household income and average net worth, but it also includes the value of material possessions and resources.The % of Income for Mortgage quantifies the percentage of median household income dedicated to mortgage payments on a home priced at the median value (assuming a 30-year mortgage and a 20% down payment).Values above 100 indicate increased affordability, while values below 100 indicate decreased affordability. The Housing Affordability Index base is 100 and represents a balance point where a resident with a median household income can normally qualify to purchase a median price home.An area's diversity index increases to 100 when the population is evenly divided into two or more race/ethnic groups. If an area's entire population belongs to one race AND one ethnic group, then the area has zero diversity.