U.S. Housing Market Dashboard
Live overview of key housing market indicators — updated automatically from Federal Reserve Economic Data (FRED). Last updated: May 10, 2026
Market Health Score
Composite score based on mortgage rates, affordability, rental vacancy, delinquency, and housing supply
Mortgage Rates
Moderate (+1)
Affordability
Moderate (+1)
Rental Vacancy
High vacancy (+2)
Delinquency
Low (+2)
Housing Supply
High (+2)
Score ranges: 0-4 = Seller Friendly/Stressed | 5-7 = Balanced | 8-10 = Buyer Friendly
Primary Market Indicators
30-Year Fixed Rate
6.37%
+0.07% vs last week
15-Year Fixed Rate
5.72%
+0.08% vs last week
Median Home Price
$403,200
-2.2% YoY
Housing Affordability
109.6
Near Threshold
Rental Vacancy Rate
7.30%
Renter's Market
Mortgage Delinquency
1.78%
Low Risk
Secondary Indicators
Housing Supply
8.5 months
Buyer Advantage
New Home Sales
682K
+7.40% MoM
Housing Starts
1.50M
+10.77% MoM
Unemployment Rate
4.3%
Key delinquency driver
Market Summary
Mortgage Environment: At 6.37%, the 30-year fixed rate is near the 5-year average of 6.38%. Rates are relatively stable.
Home Prices: The median home price of $403,200 is 2.2% below one year ago, indicating a buyer market.
Affordability: With an index of 109.6, housing is affordable for median-income families. Affordability is near the equilibrium threshold of 100.
Rental Market: The 7.30% vacancy rate indicates a renter's market with ample supply gives renters negotiating power.
Foreclosure Risk: Delinquency at 1.78% suggests low near-term foreclosure risk.
Trend Indicators (vs Last Period)
30-Yr Rate
6.37%
15-Yr Rate
5.72%
Home Price
$403,200
Affordability
109.6
Rental Vacancy
7.30%
Delinquency
1.78%
Explore Detailed Data
Frequently Asked Questions
What is the current state of the US housing market?
As of May 10, 2026, the U.S. housing market shows mixed signals. The 30-year mortgage rate is 6.37%, the median home price is $403,200, and the affordability index of 109.6 indicates near threshold. Key metrics are updated automatically as new data is released from the Federal Reserve.
Is it a buyer's or seller's market in 2026?
Based on current indicators — 8.5 months of housing supply, 6.37% mortgage rates, and a median price of $403,200 — the market is currently very buyer friendly. Housing supply, price trends, and affordability all factor into this assessment.
What are the key indicators of housing market health?
The main housing market indicators are: mortgage rates (currently 6.37%), median home prices ($403,200), housing affordability index (109.6), rental vacancy rate (7.30%), mortgage delinquency rate (1.78%), months of housing supply (8.5 months), and new home sales (682K units). Together these provide a comprehensive view of market conditions.
How often does housing market data update?
Different indicators update on different schedules: mortgage rates update weekly, home prices and affordability update monthly, while rental vacancy and delinquency rates update quarterly. All data is sourced directly from the Federal Reserve (FRED) and updates automatically as new data is released.
Data Sources & Methodology
All data is sourced from the Federal Reserve Economic Data (FRED) database, maintained by the Federal Reserve Bank of St. Louis.
- 30-Year Mortgage Rate: MORTGAGE30US (weekly)
- 15-Year Mortgage Rate: MORTGAGE15US (weekly)
- Median Home Price: MSPUS (quarterly)
- Housing Affordability: Calculated from MSPUS, MORTGAGE30US, MEFAINUSA672N
- Rental Vacancy Rate: RRVRUSQ156N (quarterly)
- Rent CPI: CUSR0000SEHA (monthly)
- Mortgage Delinquency: DRSFRMACBS (quarterly)
- Unemployment Rate: UNRATE (monthly)
- New Home Sales: HSN1F (monthly)
- Housing Starts: HOUST (monthly)
- Months Supply: MSACSR (monthly)
Market Health Score Calculation:
- Mortgage rate < 5% = +2, 5-7% = +1, >7% = -1
- Affordability > 130 = +2, 100-130 = +1, <100 = -1
- Vacancy > 6% = +2, 4-6% = +1, <4% = -1
- Delinquency < 2% = +2, 2-4% = +1, >4% = -1
- Months supply > 5 = +2, 3-5 = +1, <3 = -1
Score 6-10 = Buyer Friendly | 3-5 = Balanced | 0-2 = Seller Friendly/Stressed
Update frequencies: Mortgage rates weekly, prices/affordability monthly, vacancy/delinquency quarterly. All data is fetched live from FRED via API when you view this page.