Share of Mortgages Held by the Top 0.1% (99.9th to 100th Wealth Percentiles)
This dataset tracks share of mortgages held by the top 0.1% (99.9th to 100th wealth percentiles) over time.
Latest Value
36.80
Year-over-Year Change
9.85%
Date Range
7/1/1989 - 1/1/2025
Summary
Tracks mortgage ownership concentration among the top 0.1% of wealth holders. Provides critical insight into wealth distribution and real estate investment patterns.
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 proportion of total mortgage assets controlled by the wealthiest 0.1% of Americans. It illustrates economic inequality in property ownership.
Methodology
Calculated using Federal Reserve Survey of Consumer Finances data on wealth distribution.
Historical Context
Used by policymakers to assess housing market concentration and wealth inequality trends.
Key Facts
- Reflects extreme concentration of mortgage assets
- Indicates potential barriers to property ownership
- Tracks long-term wealth distribution trends
FAQs
Q: What does this metric reveal about mortgage ownership?
A: It shows the percentage of mortgage assets controlled by the top 0.1% of wealth holders. Indicates significant wealth concentration in real estate.
Q: How is this data collected?
A: Derived from the Federal Reserve's comprehensive Survey of Consumer Finances. Provides detailed wealth distribution analysis.
Q: Why is this metric important?
A: Helps economists and policymakers understand housing market access and wealth inequality dynamics.
Q: How has this trend changed over time?
A: Typically reflects increasing wealth concentration in real estate ownership over recent decades.
Q: What are the limitations of this data?
A: Represents a snapshot in time and may not capture most recent market changes. Updated periodically.
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Citation
U.S. Federal Reserve, Share of Mortgages Held by the Top 0.1% (WFRBSTP1299), retrieved from FRED.