Share of Home Mortgages Held by the Top 0.1% (99.9th to 100th Wealth Percentiles)
This dataset tracks share of home mortgages held by the top 0.1% (99.9th to 100th wealth percentiles) over time.
Latest Value
0.60
Year-over-Year Change
20.00%
Date Range
7/1/1989 - 1/1/2025
Summary
The 'Share of Home Mortgages Held by the Top 0.1% (99.9th to 100th Wealth Percentiles)' trend measures the concentration of home mortgage debt among the wealthiest 0.1% of U.S. households. This data provides insight into wealth inequality and housing market dynamics.
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 trend represents the percentage of total home mortgage debt held by households in the top 0.1% of the U.S. wealth distribution. It is a key indicator of wealth concentration and inequality, as well as potential risks in the housing finance system.
Methodology
The data is collected and calculated by the Federal Reserve based on survey and administrative sources.
Historical Context
Economists and policymakers use this metric to analyze wealth inequality, monitor housing market risks, and assess the distribution of mortgage credit.
Key Facts
- The top 0.1% held over 10% of total U.S. home mortgage debt as of 2019.
- Mortgage debt concentration among the wealthy has increased significantly since the 1980s.
- This trend relates to broader trends of rising wealth inequality in the United States.
FAQs
Q: What does this economic trend measure?
A: This trend measures the share of total home mortgage debt held by households in the top 0.1% of the U.S. wealth distribution.
Q: Why is this trend relevant for users or analysts?
A: This metric provides insight into wealth inequality and potential risks in the housing finance system, making it relevant for economists, policymakers, and market analysts.
Q: How is this data collected or calculated?
A: The Federal Reserve collects and calculates this data based on survey and administrative sources.
Q: How is this trend used in economic policy?
A: Economists and policymakers use this metric to analyze wealth inequality, monitor housing market risks, and assess the distribution of mortgage credit.
Q: Are there update delays or limitations?
A: The data is updated periodically by the Federal Reserve, and there may be some delays in reporting.
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Citation
U.S. Federal Reserve, Share of Home Mortgages Held by the Top 0.1% (99.9th to 100th Wealth Percentiles) (WFRBSTP1292), retrieved from FRED.