Share of Loans (Liabilities) Held by the 50th to 90th Wealth Percentiles
This dataset tracks share of loans (liabilities) held by the 50th to 90th wealth percentiles over time.
Latest Value
44.70
Year-over-Year Change
0.90%
Date Range
7/1/1989 - 1/1/2025
Summary
Measures loan liabilities for middle-wealth households. Provides critical insights into household financial obligations and economic participation.
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 indicator tracks the proportion of total loans held by households in the 50th to 90th wealth percentiles. It reveals financial leverage patterns for middle-class Americans.
Methodology
Derived from Federal Reserve Survey of Consumer Finances comprehensive loan data.
Historical Context
Utilized by economists to assess household financial health and economic resilience.
Key Facts
- Captures middle-class loan burden
- Indicates household financial leverage
- Reflects economic participation patterns
FAQs
Q: What does this percentage reveal about household loans?
A: Shows loan liabilities for middle-wealth households. Indicates financial obligations and economic engagement.
Q: How frequently is this data collected?
A: Updated periodically through the Federal Reserve's comprehensive financial surveys.
Q: Why track loan liabilities by wealth percentile?
A: Provides nuanced understanding of financial health across different economic segments.
Q: How does this impact economic policy?
A: Helps policymakers understand household financial stress and economic resilience.
Q: What limitations exist in this data?
A: Represents a snapshot in time and may not capture rapid economic changes.
Related News
U.S. Stock Markets Hit Record Highs Amid Nvidia, OpenAI Partnership
Nvidia's OpenAI Partnership Excites U.S. Markets The unprecedented performance of the U.S. stock markets can be largely attributed to Nvidia's exciting partnership with OpenAI. This collaboration is not only setting new records for Nvidia shares but is also invigorating other tech stocks, leading to historic highs in indices like the Dow Jones, S&P 500, and Nasdaq. Record-high stocks signify significant investment opportunities, underscored by revolutionary artificial intelligence innovations.
U.S. mortgage rates decline aligns with housing price cuts
U.S. Real Estate: Mortgage Rates Plummet Mortgage rates in the U.S. have experienced a notable drop, marking some of the most significant cuts in recent years. This shift comes at a time when the housing market is adjusting with substantial price reductions, offering potential homebuyers opportunities. The interconnectedness of mortgage rates with the broader economic trends cannot be understated. Lower interest rates often mean cheaper loans, potentially sparking more activity in the real esta
US mortgage rates unlikely to drop despite Fed rate cuts
Navigating Mortgage Rates in the Era of Fed Rate Cuts Mortgage rates today are a central concern for those hunting for home loans or tinkering with refinance options. Interestingly, despite recent Federal Reserve interest rate cuts, mortgage rates aren't budging much. This outcome puzzles many, considering the expected ripple effect these cuts tend to have on borrowing costs. The staunch resistance of mortgage rates to these cuts underscores an evolving challenge for financial planning among US
U.S. Stock Futures Stagnant Despite Positive Jobless Claims and GDP
Why US Stock Futures Remain Stagnant Despite Positive Economic Indicators The current investment landscape is puzzling for many as US stock futures struggle to show a definite trend despite favorable economic signals. These signals, such as jobless claims and Q2 GDP figures, suggest a healthy economy. Given the roles of the stock market and the Federal Reserve's decisions on rate hikes, it is surprising to witness this stagnation. Inflation trends and the Fed's signals about future policies pla
U.S. Home Sales Decline In August Due To High Prices
August 2023 U.S. Home Sales Decline Amid Rising Mortgage Rates and High Prices In August 2023, U.S. home sales experienced a notable decline, highlighting a distressing trend in the housing market. Homeownership is more costly these days. High home prices and soaring 30 year mortgage rates, combined with limited housing inventory, pose significant challenges for potential buyers and cast a shadow on economic recovery efforts. Many potential homebuyers find themselves increasingly priced out of
U.S. jobless claims decline to lowest level since mid-July
U.S. Jobless Claims Drop: A Positive Sign for Economic Growth The U.S. economy is signaling a positive turn as the initial jobless claims have dropped to their lowest level since mid-July, suggesting a more resilient labor market. This decline in jobless claims is not just a number; it reflects crucial dynamics in the U.S. economy and employment landscape. As people file fewer claims for unemployment benefits, it suggests a strengthening employment market and a recovering economy. Also, the cur
Similar WFRBSN Trends
Share of Consumer Credit Held by the 50th to 90th Wealth Percentiles
WFRBSN40184
Share of Consumer Credit Held by the 90th to 99th Wealth Percentiles
WFRBSN09157
Share of Consumer Durables Held by the 50th to 90th Wealth Percentiles
WFRBSN40165
Share of Consumer Durables Held by the 90th to 99th Wealth Percentiles
WFRBSN09138
Share of Corporate and Foreign Bonds Held by the 50th to 90th Wealth Percentiles
WFRBSN40172
Share of Corporate and Foreign Bonds Held by the 90th to 99th Wealth Percentiles
WFRBSN09145
Citation
U.S. Federal Reserve, Share of Loans (Liabilities) Held by the 50th to 90th Wealth Percentiles (WFRBSN40182), retrieved from FRED.