Share of Home mortgages Held by the 90th to 99th Wealth Percentiles
This dataset tracks share of home mortgages held by the 90th to 99th wealth percentiles over time.
Latest Value
23.80
Year-over-Year Change
4.39%
Date Range
7/1/1989 - 1/1/2025
Summary
The 'Share of Home Mortgages Held by the 90th to 99th Wealth Percentiles' tracks the proportion of total mortgage debt held by the wealthiest 10% of U.S. households. This metric provides insight into wealth inequality and the financial position of high-net-worth individuals.
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 economic indicator measures the concentration of home mortgage debt among the top 10% of U.S. households by wealth. It reflects the distribution of mortgage financing and home ownership across the wealth spectrum, a key factor in assessing financial stability and access to credit.
Methodology
The data is calculated by the Federal Reserve based on survey responses and administrative records.
Historical Context
Policymakers and economists monitor this trend to understand wealth inequality and the role of high-income households in mortgage markets.
Key Facts
- The top 10% of U.S. households hold over 60% of total mortgage debt.
- Mortgage debt concentration has increased significantly since the 1980s.
- High-wealth households play an outsized role in housing and credit markets.
FAQs
Q: What does this economic trend measure?
A: This indicator tracks the share of total U.S. mortgage debt held by the wealthiest 10% of households, providing insight into wealth inequality and the financial position of high-net-worth individuals.
Q: Why is this trend relevant for users or analysts?
A: This metric is important for understanding the distribution of housing wealth and access to mortgage credit, which has implications for financial stability, inequality, and the broader economy.
Q: How is this data collected or calculated?
A: The Federal Reserve calculates this indicator using survey data and administrative records on household wealth and mortgage financing.
Q: How is this trend used in economic policy?
A: Policymakers and economists monitor this trend to assess wealth inequality, the role of high-income households in mortgage markets, and potential risks to financial stability.
Q: Are there update delays or limitations?
A: This data is updated periodically by the Federal Reserve, but may have a lag of several months or more due to the time required for data collection and processing.
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Citation
U.S. Federal Reserve, Share of Home mortgages Held by the 90th to 99th Wealth Percentiles (WFRBSN09156), retrieved from FRED.