The Time Value Index (TVI) measures what this location costs per unit of access quality — lower TVI = better deal.

Formula: TVI = Median Price ÷ Score Factor

Score Factor = 0.5 + (location score / 100), so higher-scoring locations get more price headroom before being flagged as overpriced.

TVI ratings are relative to the metro median. UNDERVALUED = you're paying less per quality point than the metro average.