Why circumference works (and where it doesn't)
The US Navy method, developed by Hodgdon and Beckett in 1984, estimates body fat from a small number of tape measurements normalized by height. Compared with DEXA — the clinical gold standard — it's accurate to about ±3–4% on average for adult populations. That's far more precise than BMI for body composition, and it's the most accurate at-home option requiring nothing but a flexible tape.
Three caveats. First, the formula was developed in mostly healthy young-to-middle-aged adults; accuracy can be lower at extremes of age or body composition. Second, where you carry fat changes the result — abdominal fat is read more strongly than peripheral fat. Third, even small measurement inconsistencies (1 cm) move the result by a few percent, so measure twice and average.