Share of Home mortgages Held by the Bottom 50% (1st to 50th Wealth Percentiles)
This dataset tracks share of home mortgages held by the bottom 50% (1st to 50th wealth percentiles) over time.
Latest Value
23.00
Year-over-Year Change
-0.43%
Date Range
7/1/1989 - 1/1/2025
Summary
Tracks the mortgage ownership percentage for the bottom 50% of wealth holders. Provides critical insight into housing access and wealth distribution in the United States.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
This metric reveals the home ownership patterns among lower-wealth households. It helps economists understand housing market accessibility and economic mobility.
Methodology
Calculated using Federal Reserve Survey of Consumer Finances data on household wealth and mortgage holdings.
Historical Context
Used by policymakers to assess housing equity and economic opportunity for lower-income groups.
Key Facts
- Reflects economic barriers for lower-wealth households
- Indicates potential housing market challenges
- Critical indicator of economic opportunity
FAQs
Q: What does this metric reveal about housing access?
A: It shows the proportion of mortgages held by the bottom 50% of wealth holders. Indicates potential barriers to home ownership.
Q: How is this data collected?
A: Derived from the Federal Reserve's Survey of Consumer Finances, conducted every three years.
Q: Why is this metric important?
A: Helps understand economic inequality and housing market accessibility for lower-income groups.
Q: How does this impact economic policy?
A: Informs housing and economic mobility policies targeting wealth distribution challenges.
Q: How often is this data updated?
A: Typically updated every three years with the Survey of Consumer Finances.
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Citation
U.S. Federal Reserve, Share of Home mortgages Held by the Bottom 50% (WFRBSB50210), retrieved from FRED.