Based on this, I propose the following formula for ERE housing score:There are three things that matter [when considering where to live].So, the real estate motto is 2/3 true: It’s location-location-cost.

- Location relative to your work.
- Location relative to your grocery outlet.
- Cost.

**Score = (Distance to work in miles) + (Distance to grocery in miles) + (Monthly cost of housing in USD /100)**

For those who live in a part of the world that measures distance in kilometers, the conversion factor is 1 km = 0.621 mi. Obviously, a lower score is better. Because various modes of transportation differ in resilience, I suggest the following adjustments based on the primary mode of transportation that is actually used in daily life. This will prevent the ERE housing score from being a static measure, and encourage better behavior.

If you typically ______ to work/grocery, multiply distance by ______.

Walk: 0

Bike: 0.3 (if less than 3 mi, use 0 instead)

Public transit: 0.7

Car: 1.0

Some clarifications:

- If you are financially independent, work from home, or are currently not working, your distance to work is zero.
- Calculate distance to the grocery store where you get the majority of your food. If you grow more than 50% of your food, or have your groceries delivered, your distance to grocery store is zero.
- Housing is per adult(*). If you own your house in full, use (purchase price)*(0.03/12) + monthly property tax. If the bank owns you(r house), use (down payment)/400 + monthly mortgage payment (PITI)(**). Subtract payments from roommates (if any) from your cost.
- For vandwellers, calculate the housing cost as monthly operating expenses + total capital outlay for the vehicle spread out over the larger of 60 months (the IRS depreciation schedule) or however long you've actually lived in your current vehicle.

(**)PITI = principal, interest, taxes, and insurance.

Keep in mind that this is just for fun... there are other things that matter besides proximity and cost, like energy and water usage. But this is supposed to be quick and easy.

Fish's life in suburbia: bus to work, drive for groceries.

(0.7*12.9)+(1.0*2.8)+((1660/2)/100) = 9.0 + 2.8 + 8.3 = 20.1

Rating scale

Under 5: Highly optimized (A+)

5-10: Efficient (A)

10-15: Very good (B)

15-20: Acceptable (C)

20-30: Needs improvement (D)

30+: Wasteful (F)

Edit: Moved the divide-by-100 inside the last set of parentheses in the formula so that the order of operations is no longer ambiguous.