Negative Equity in U.S. Housing Market

Measuring Home Values, Debt, and Credit Risk

By Zillow Data [source]

About this dataset

This dataset, Negative Equity in the US Housing Market, provides an in-depth look into the negative equity occurring across the United States during this single quarter. Included are metrics such as total amount of negative equity in millions of dollars, total number of homes in negative equity, percentage of homes with mortgages that are in negative equity and more. These data points provide helpful insights into both regional and national trends regarding the prevalence and rate of home mortgage delinquency stemming from a diminishment of value from peak levels.

Home types available for analysis include 'all homes', condos/co-ops, multifamily units containing five or more housing units as well as duplexes/triplexes. Additionally, Cash buyers rates for particular areas can also be determined by referencing this collection. Further metrics such as mortgage affordability rates and impacts on overall indebtedness are readily calculated using information related to Zillow's Home Value Index (ZHVI) forecast methodology and TransUnion data respectively.

Other variables featured within this dataset include characteristics like region type (i.e city, county ..etc), size rank based on population values , percentage change in ZHVI since peak levels as well as loan-to-value ratio greater than 200 across all regions constituted herein (NE). Moreover Zillow's own Secondary Mortgage Market Survey data is utilized to acquire average mortgage quote rates while correlative Census Bureau NCHS median household income figures represent typical assessable proportions between wages and debt obligations . So whether you're looking to assess effects along metro lines or detailed buffering through zip codes , this database should prove sufficient for insightful explorations! Nonetheless users must strictly adhere to all conditions encompassed within Terms Of Use commitments put forth by our lead provider before accessing any resources included herewith

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Research Ideas

• Analyzing regional and state trends in negative equity: Analyze geographic differences in the percentage of mortgages “underwater”, total amount of negative equity, number of homes at least 90 days late, and other key indicators to provide insight into the factors influencing negative equity across regions, states and cities.
• Tracking the recovery rate over time: Track short-term changes in numbers related to negative equity (e.g., region or area ZHVI Change from Peak) to monitor recovery rates over time as well as how different policy interventions are affecting homeownership levels in affected areas.
• Exploring best practices for promoting housing affordability: Compare affordability metrics (e.g., mortgage payments, price-to-income ratios) across different geographic locations over time to identify best practices for empowering homeowners and promoting stability within the housing market while reducing local inequality impacts related to availability of affordable housing options and access to credit markets like mortgages/loans etc

Acknowledgements

If you use this dataset in your research, please credit the original authors. Data Source

License

See the dataset description for more information.

Columns

File: NESummary_2017Q1_Public.csv | Column name | Description | |:------------------------------------------------|:-----------------------------------------------------------------------------------------------------------------------------------| | RegionType | The type of region (e.g., city, county, metro etc.) (String) | | City | Name of the city (String) | | County | Name of the county (String) | | State | Name of the state (String) | | Metro ...

What is this data?The Local Housing Profiles are a curated set of data on the housing market. The Chicago Metropolitan Agency for Planning (CMAP) provides these profiles for each of the 7 counties, 284 municipalities, and Chicago community area (CCA) in northeastern Illinois.How can this data be used? Are there any use cases?The Local Housing Profiles can be used by residents, practitioners, planners, and policymakers to understand the latest data on a community’s housing demand, supply, and affordability relative to regional trends.Who created this data? How and when?Developed in partnership with the Institute for Housing Studies at DePaul University (IHS), these reports include data from a number of sources, including socioeconomic, demographic, and housing unit data from the American Community Survey (ACS), and key housing market indicators generated from parcel-level administrative data and collected by the IHS via its Data Clearinghouse.Additional information on field names, data sources, and other metadata can be found in the Data Dictionary. More comprehensive background on the data tables summarized in the profiles can be found in the Technical Documentation.Where can I find the latest data? How frequently is it updated?The primary source is data from the U.S. Census Bureau’s 2023 American Community Survey program. It is expected that this product will be updated annually. However, as this item was developed in partnership with the IHS at DePaul University, please reach out the Data Specialist if you need additional information about plans for future updates.Questions?Are you looking for the PDF versions? Find and download the print-friendly Local Housing Data Profiles from the agency website.

The Housing Affordability Index value in the United States plummeted in 2022, surpassing the historical record of ***** index points in 2006. In 2024, the housing affordability index measured **** index points, making it the second-worst year for homebuyers since the start of the observation period. What does the Housing Affordability Index mean? The Housing Affordability Index uses data provided by the National Association of Realtors (NAR). It measures whether a family earning the national median income can afford the monthly mortgage payments on a median-priced existing single-family home. An index value of 100 means that a family has exactly enough income to qualify for a mortgage on a home. The higher the index value, the more affordable a house is to a family. Key factors that drive the real estate market Income, house prices, and mortgage rates are some of the most important factors influencing homebuyer sentiment. When incomes increase, consumer power also increases. The median household income in the United States declined in 2022, affecting affordability. Additionally, mortgage interest rates have soared, adding to the financial burden of homebuyers. The sales price of existing single-family homes in the U.S. has increased year-on-year since 2011 and reached ******* U.S. dollars in 2023.

The homeownership rate in the United States declined slightly in 2023 and remained stable in 2024. The U.S. homeownership rate was the highest in 2004 before the 2007-2009 recession hit and decimated the housing market. In 2024, the proportion of households occupied by owners stood at **** percent in 2024, *** percentage points below 2004 levels. Homeownership since the recession The rate of homeownership in the U.S. fell in the lead up to the recession and continued to do so until 2016. Despite this trend, the share of Americans who perceived homeownership as part of their personal American dream remained relatively stable. This suggests that the financial hardship caused by the recession led to the fall in homeownership, rather than a change in opinion about the importance of homeownership itself. What the future holds for homeownership Homeownership trends vary from generation to generation. Homeownership among Americans over 65 years old is declining, whereas most Millennial renters plan to buy a home in the near future. This suggests that homeownership will remain important in the future, as Millennials are forecast to head most households over the next two decades.

The US Bed & Bath Linen Market size was valued at USD 10.9 Billion in 2024 and is projected to reach USD 16.4 Billion by 2032, growing at a CAGR of 4.14% from 2025 to 2032.

Key Market Drivers: Increasing Home Ownership and Housing Market: According to the US Census Bureau, the homeownership rate in the United States reached 66% in Q4 2023, accounting for nearly 85 million owner-occupied dwelling units. As more people become homeowners, demand for bed and bath linens rises as they adorn their homes.

Knowing who your consumers are is essential for businesses, marketers, and researchers. This detailed demographic file offers an in-depth look at American consumers, packed with insights about personal details, household information, financial status, and lifestyle choices. Let's take a closer look at the data:

Personal Identifiers and Basic Demographics At the heart of this dataset are the key details that make up a consumer profile:

Unique IDs (PID, HHID) for individuals and households Full names (First, Middle, Last) and suffixes Gender and age Date of birth Complete location details (address, city, state, ZIP) These identifiers are critical for accurate marketing and form the base for deeper analysis.

Geospatial Intelligence This file goes beyond just listing addresses by including rich geospatial data like:

Latitude and longitude Census tract and block details Codes for Metropolitan Statistical Areas (MSA) and Core-Based Statistical Areas (CBSA) County size codes Geocoding accuracy This allows for precise geographic segmentation and localized marketing.

Housing and Property Data The dataset covers a lot of ground when it comes to housing, providing valuable insights for real estate professionals, lenders, and home service providers:

Homeownership status Dwelling type (single-family, multi-family, etc.) Property values (market, assessed, and appraised) Year built and square footage Room count, amenities like fireplaces or pools, and building quality This data is crucial for targeting homeowners with products and services like refinancing or home improvement offers.

Wealth and Financial Data For a deeper dive into consumer wealth, the file includes:

Estimated household income Wealth scores Credit card usage Mortgage info (loan amounts, rates, terms) Home equity estimates and investment property ownership These indicators are invaluable for financial services, luxury brands, and fundraising organizations looking to reach affluent individuals.

Lifestyle and Interests One of the most useful features of the dataset is its extensive lifestyle segmentation:

Hobbies and interests (e.g., gardening, travel, sports) Book preferences, magazine subscriptions Outdoor activities (camping, fishing, hunting) Pet ownership, tech usage, political views, and religious affiliations This data is perfect for crafting personalized marketing campaigns and developing products that align with specific consumer preferences.

Consumer Behavior and Purchase Habits The file also sheds light on how consumers behave and shop:

Online and catalog shopping preferences Gift-giving tendencies, presence of children, vehicle ownership Media consumption (TV, radio, internet) Retailers and e-commerce businesses will find this behavioral data especially useful for tailoring their outreach.

Demographic Clusters and Segmentation Pre-built segments like:

Household, neighborhood, family, and digital clusters Generational and lifestage groups make it easier to quickly target specific demographics, streamlining the process for market analysis and campaign planning.

Ethnicity and Language Preferences In today's multicultural market, knowing your audience's cultural background is key. The file includes:

Ethnicity codes and language preferences Flags for Hispanic/Spanish-speaking households This helps ensure culturally relevant and sensitive communication.

Education and Occupation Data The dataset also tracks education and career info:

Education level and occupation codes Home-based business indicators This data is essential for B2B marketers, recruitment agencies, and education-focused campaigns.

Digital and Social Media Habits With everyone online, digital behavior insights are a must:

Internet, TV, radio, and magazine usage Social media platform engagement (Facebook, Instagram, LinkedIn) Streaming subscriptions (Netflix, Hulu) This data helps marketers, app developers, and social media managers connect with their audience in the digital space.

Political and Charitable Tendencies For political campaigns or non-profits, this dataset offers:

Political affiliations and outlook Charitable donation history Volunteer activities These insights are perfect for cause-related marketing and targeted political outreach.

Neighborhood Characteristics By incorporating census data, the file provides a bigger picture of the consumer's environment:

Population density, racial composition, and age distribution Housing occupancy and ownership rates This offers important context for understanding the demographic landscape.

Predictive Consumer Indexes The dataset includes forward-looking indicators in categories like:

Fashion, automotive, and beauty products Health, home decor, pet products, sports, and travel These predictive insights help businesses anticipate consumer trends and needs.

Contact Information Finally, the file includes key communication details:

Multiple phone numbers (landline, mobile) and email addresses Do Not Call (DNC) flags...

The Rectangular Connector Housing market plays a crucial role in various industries by providing reliable electrical connections for devices and systems. These housing units are integral components in ensuring secure, efficient, and durable connections, catering to sectors such as telecommunications, automotive, aer

Case-Shiller Index of U.S. Residential House Prices

This dataset provides comprehensive insights into U.S. residential house prices through the S&P Case-Shiller Home Price Index, which includes both the national index and indices for 20 metropolitan regions. The data is derived from the S&P Case-Shiller Index, a widely recognized and reliable measure of U.S. housing price movements. It is updated monthly and utilizes the "repeat sales method" to track the price changes of the same properties over time, making it an accurate reflection of housing appreciation.

Data Overview

The dataset includes: - S&P/Case-Shiller U.S. National Home Price Index: A composite index of single-family home prices across nine U.S. Census divisions. - Indices for 20 Metropolitan Regions: Regional indices that highlight housing price trends in major U.S. cities.

Key Methodology

The index uses a "repeat sales" approach, which tracks properties that have been sold at least twice to capture changes in their value over time. This method minimizes biases from changes in housing stock or individual property characteristics. The index originated in the 1980s through the work of Karl E. Case and Robert J. Shiller, pioneers in developing the repeat sales technique. It remains one of the most trusted tools for measuring U.S. housing market trends.

The indices are used widely by policymakers, economists, and analysts to gauge housing market conditions and make informed decisions.

Use Cases

This dataset can be used for: - Housing Market Analysis: Track trends in national and metropolitan housing prices. - Econometric Modeling: Analyze the relationship between housing prices and macroeconomic factors. - Forecasting: Build models to predict future housing market movements.

Source

Data sourced from: https://github.com/datasets/house-prices-us Original source: https://datahub.io/core/house-prices-us

Key information about House Prices Growth

• Canada house prices dropped 1.8% YoY in Oct 2025, following a decrease of 1.8% YoY in the previous month.
• YoY growth data is updated monthly, available from Jan 1982 to Oct 2025, with an average growth rate of 5.1%.
• House price data reached an all-time high of 16.5% in Mar 1989 and a record low of -9.7% in Apr 1991.

Snapshot img

Commercial Real Estate Market Size 2025-2029

The commercial real estate market size is valued to increase USD 427.3 billion, at a CAGR of 4.6% from 2024 to 2029. Growing commercial sector globally will drive the commercial real estate market.

Major Market Trends & Insights

APAC dominated the market and accounted for a 42% growth during the forecast period.
By End-user - Offices segment was valued at USD 476.50 billion in 2023
By Channel - Rental segment accounted for the largest market revenue share in 2023

Market Size & Forecast

Market Opportunities: USD 43.44 billion
Market Future Opportunities: USD 427.30 billion
CAGR : 4.6%
APAC: Largest market in 2023

Market Summary

The market is a dynamic and ever-evolving sector that continues to shape the global business landscape. Core technologies and applications, such as Building Information Modeling (BIM) and Real Estate Information Systems (REIS), are increasingly being adopted to streamline operations and enhance efficiency. According to a recent report, the BIM market in the real estate sector is projected to grow at a steady pace, reaching a market share of 30% by 2025. Service types and product categories, including property management, brokerage, and construction services, are also experiencing significant changes. For instance, the growing trend of remote work and online shopping is driving demand for flexible and adaptable commercial spaces.
Additionally, regulations and policies are evolving to accommodate these changes, with many governments investing in smart city initiatives and green building standards. Despite these opportunities, the market faces challenges such as economic uncertainty, changing demographics, and increasing competition. However, these challenges also present new opportunities for innovation and growth. For instance, the adoption of proptech solutions and the integration of artificial intelligence and machine learning are transforming the way commercial real estate is bought, sold, and managed. Overall, the market is a complex and dynamic ecosystem that requires constant monitoring and adaptation to stay ahead of the curve.

What will be the Size of the Commercial Real Estate Market during the forecast period?

Get Key Insights on Market Forecast (PDF) Request Free Sample

How is the Commercial Real Estate Market Segmented and what are the key trends of market segmentation?

The commercial real estate industry research report provides comprehensive data (region-wise segment analysis), with forecasts and estimates in 'USD billion' for the period 2025-2029, as well as historical data from 2019-2023 for the following segments.

End-user

  Offices
  Retail
  Leisure
  Others


Channel

  Rental
  Lease
  Sales


Transaction Type

  Commercial Leasing
  Property Sales
  Property Management


Service Type

  Brokerage Services
  Property Development
  Valuation Consulting
  Facilities Management


Geography

  North America

    US
    Canada


  Europe

    France
    Germany
    Italy
    UK


  Middle East and Africa

    Egypt
    KSA
    Oman
    UAE


  APAC

    China
    India
    Japan


  South America

    Argentina
    Brazil


  Rest of World (ROW)

By End-user Insights

The offices segment is estimated to witness significant growth during the forecast period.

In the ever-evolving market, the offices segment is experiencing significant growth, driven by shifting work trends and corporate demands. Flexible work arrangements, hybrid models, and technological integration are transforming the need for office space. Businesses prioritize contemporary, adaptable, and technologically advanced workspaces to attract and retain talent. Co-working spaces like Regus and WeWork, which offer flexible office solutions, are gaining popularity. Major corporations, such as Google and Amazon, invest in innovative office designs that foster collaboration and employee satisfaction. According to recent market data, the offices end-user segment is projected to expand by 15% between 2024 and 2028, underscoring the continuous adaptation of workspaces to modern business practices.

Meanwhile, tenant occupancy rates remain a critical concern for commercial property owners. Lease agreement terms, negotiation strategies, and rent collection efficiency are essential factors in maintaining a healthy portfolio. Building lifecycle costs, code compliance, and investment return metrics are other essential considerations for property managers. Environmental impact assessments, construction cost estimating, and property tax appeals are also crucial elements in the market. Property value depreciation, commercial property insurance, and portfolio risk management are essential aspects of property management. Property management software, energy efficiency upgrades, and property tax assessments are key tools for optimizing o

US Major Home Appliances Market size was valued at USD 33.44 Billion in 2024 and is projected to reach USD 44 Billion by 2032, growing at a CAGR of 3.49% from 2025 to 2032.

Key Market Drivers: Housing Market Growth and Home Renovations: According to the United States Census Bureau, new home starts totaled 1.46 million units in 2023, up 7% from 2022. According to Harvard University's Joint Center for Housing Studies, home repair spending will total $472 billion by 2023, with 42% of households upgrading key appliances. This ongoing increase in housing and remodeling activity directly affects demand for key household appliances. Energy Efficiency Regulations and Consumer Awareness: According to the US Department of Energy, ENERGY STAR-certified appliances can save households up to 30% on energy bills. The Environmental Protection Agency reports that 75% of American households actively pursued energy-efficient major appliances in 2023, up from 58% in 2020. Federal tax incentives worth up to $600 for energy-efficient home appliances have incentivized purchases of new, compliant models. Smart Home Technology Integration: According to the United States Energy Information Administration (EIA), smart home appliance use will rise by 34% in 2023. According to the National Institute of Standards and Technology (NIST), 62% of U.S. homes currently own at least one smart major appliance, with an additional 28% planning to buy smart appliances in the coming year. The United States Department of Commerce reports that smart appliance sales increased by 45% between 2021 and 2023.

Key information about House Prices Growth

• Portugal house prices grew 17.2% YoY in Jun 2025, following an increase of 16.3% YoY in the previous quarter.
• YoY growth data is updated quarterly, available from Mar 2010 to Jun 2025, with an average growth rate of 10.4%.
• House price data reached an all-time high of 17.2% in Jun 2025 and a record low of -8.3% in Jun 2012.

Financial Statistics Real Estate Trust Information is data that provides the main status and statistics of real estate trust companies based on the base year and month and the name of the financial company. You can search the establishment and organizational structure, financial status, and main management indicators of the trust company in time series. This data consists of three operations. Each operation is as follows. ① Real estate trust general status search: Provides general status such as the outline, location, and organization information of the real estate trust company. ② Real estate trust financial status search: Provides information related to financial status such as assets, liabilities, capital, and net income for the period. ③ Real estate trust key management indicator search: Provides key management performance indicators such as trust amount compared to capital, rate of return, and growth rate.

The Australia Luxury Residential Real Estate Market Report is Segmented by Business Model (Sales and Rental), by Property Type (Apartments & Condominiums and Villas & Landed Houses), by Mode of Sale (Primary New-Build and Secondary Existing-Home Resale), and by Key Cities (Sydney, Melbourne, Brisbane, Perth and the Rest of Australia). The Market Forecasts are Provided in Terms of Value (USD).

US Floor Covering Market size was valued at USD 26.5 Billion in 2024 and is projected to reach USD 38.7 Billion by 2032, growing at a CAGR of 4.8% from 2026 to 2032.

Key Market Drivers:

Growth in Residential Construction Projects: The United States Census Bureau reported a 21.1% rise in housing starts in 2023, totalling 1.56 million units. As new homes demand a variety of flooring options, the market for hardwood, tiles, carpets and laminates is expanding. The solid property market is driving up demand for floor coverings.

Rising Demand for Sustainable Flooring: According to the National Association of Home Builders' 2023 study, 75% of customers choose green building materials. This trend encourages innovation, with manufacturers developing sustainable materials such as bamboo, repurposed wood and eco-friendly carpeting.

Global Off-Grid Housing Market size was valued at USD 2.1 billion in 2021 and is poised to grow from USD 2.27 billion in 2022 to USD 4.5 billion by 2030, growing at a CAGR of 7.9% in the forecast period (2023-2030).

The Commercial Real Estate (CRE) market stands as a cornerstone of economic activity, encompassing a variety of properties such as office buildings, retail spaces, warehouses, and multifamily housing units. This sector not only facilitates business operations and fosters entrepreneurial ventures but also serves as a

Home prices in the U.S. reach new heights The American housing market continues to show remarkable resilience, with the S&P/Case Shiller U.S. National Home Price Index reaching an all-time high of 325.78 in July 2024. This figure represents a significant increase from the index value of 166.24 recorded in January 2015, highlighting the substantial growth in home prices over the past decade. The S&P Case Shiller National Home Price Index is based on the prices of single-family homes and is the leading indicator of the American housing market and one of the indicators of the state of the broader economy. The S&P Case Shiller National Home Price Index series also includes S&P/Case Shiller 20-City Composite Home Price Index and S&P/Case Shiller 10-City Composite Home Price Index – measuring the home price changes in the major U.S. metropolitan areas, as well as twenty composite indices for the leading U.S. cities. Market fluctuations and recovery Despite the overall upward trend, the housing market has experienced some fluctuations in recent years. During the housing boom in 2021, the number of existing home sales reached the highest level since 2006. However, transaction volumes quickly plummeted, as the soaring interest rates and out-of-reach prices led to housing sentiment deteriorating. Factors influencing home prices Several factors have contributed to the rise in home prices, including a chronic supply shortage, the gradual decline in interest rates, and the spike in demand during the COVID-19 pandemic. During the subprime mortgage crisis (2007-2010), the construction of new homes declined dramatically. Although it has gradually increased since then, the number of new building permits, home starts, and completions are still shy from the levels before the crisis. With demand outweighing supply, competition for homes can be fierce, leading to bidding wars and soaring prices. The supply of existing homes is further constrained, as homeowners are less likely to sell and move homes due to the worsened lending conditions.

Analysis of the US bearing housings market incorporating ball or roller bearings, covering consumption trends, production data, import-export statistics, and market forecasts through 2035 with CAGR projections.