{
  "dataset": "2026 BeyondSticker Car Affordability Index",
  "updated": "2026-09-18",
  "source_url": "https://beyondsticker.com/car-affordability-index",
  "methodology_url": "https://beyondsticker.com/methodology",
  "assumptions": {
    "down_payment_percent": 10,
    "apr_percent": 7,
    "term_months": 60,
    "sales_tax_percent": 6.5,
    "fees_usd": 700,
    "monthly_insurance_usd": 186,
    "monthly_miles": 1000,
    "mpg": 25,
    "gas_price_per_gallon_usd": 3.35,
    "annual_maintenance_usd": 900,
    "monthly_take_home_usd": 5000
  },
  "rows": [
    {"vehicle_price":20000,"down_payment":2000,"amount_financed":20000,"monthly_payment":396.02,"true_monthly_cost":791.02,"share_take_home_percent":15.82,"total_interest":3761.44},
    {"vehicle_price":25000,"down_payment":2500,"amount_financed":24825,"monthly_payment":491.56,"true_monthly_cost":886.56,"share_take_home_percent":17.73,"total_interest":4668.89},
    {"vehicle_price":30000,"down_payment":3000,"amount_financed":29650,"monthly_payment":587.11,"true_monthly_cost":982.11,"share_take_home_percent":19.64,"total_interest":5576.33},
    {"vehicle_price":35000,"down_payment":3500,"amount_financed":34475,"monthly_payment":682.65,"true_monthly_cost":1077.65,"share_take_home_percent":21.55,"total_interest":6483.78},
    {"vehicle_price":40000,"down_payment":4000,"amount_financed":39300,"monthly_payment":778.19,"true_monthly_cost":1173.19,"share_take_home_percent":23.46,"total_interest":7391.23},
    {"vehicle_price":50000,"down_payment":5000,"amount_financed":48950,"monthly_payment":969.27,"true_monthly_cost":1364.27,"share_take_home_percent":27.29,"total_interest":9206.12},
    {"vehicle_price":60000,"down_payment":6000,"amount_financed":58600,"monthly_payment":1160.35,"true_monthly_cost":1555.35,"share_take_home_percent":31.11,"total_interest":11021.01}
  ]
}