Graph and download economic data for Expenditures: Mortgage Interest and Charges by Generation: Birth Year from 1965 to 1980 (CXUOWNMORTGLB1603M) from 2016 to 2023 about birth, mortgage, expenditures, interest, and USA.

Graph and download economic data for 15-Year Fixed Rate Mortgage Average in the United States (MORTGAGE15US) from 1991-08-30 to 2025-11-26 about 15-year, mortgage, fixed, interest rate, interest, rate, and USA.

United States - Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates was 7.50% in December of 2024, according to the United States Federal Reserve. Historically, United States - Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates reached a record high of 21.50 in December of 1980 and a record low of 3.25 in August of 1955. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates - last updated from the United States Federal Reserve on December of 2025.

Graph and download economic data for Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates (PRIME) from 1955-08-04 to 2025-10-30 about prime, loans, interest rate, banks, depository institutions, interest, rate, and USA.

The mortgage debt service ratio in the United States remained fairly stable in 2024, after recovering from a dip in 2020 and 2021. The ratio measures the mortgage debt service payments as a percentage of disposable personal income during a specific quarter and shows the financial burden placed on households by mortgage borrowing. In the fourth quarter of 2024, the total required mortgage payments amounted to approximately **** percent of disposable personal income. This was substantially lower than the spike recorded during the subprime mortgage crisis.

This data collection provides information on the characteristics of a national sample of housing units. Data include the year the structure was built, type and number of living quarters, presence of a garage, occupancy status, access, number of rooms and bedrooms, presence of commercial establishments on the property, and property value. Additional data focus on kitchen and plumbing facilities, types of heating fuel used, source of water, sewage disposal, heating and air conditioning equipment, and major additions, alterations, or repairs to the property. Information provided on housing expenses includes monthly mortgage or rent payments, cost of services such as utilities, garbage collection, and property insurance, and amount of real estate taxes paid in the previous year. Similar data are provided for housing units previously occupied by respondents who had recently moved. Supplemental sections provide data on energy-related characteristics, such as the presence of storm doors, storm windows, and other types of insulation, and use of supplemental heating equipment. Additionally, indicators of housing and neighborhood quality are supplied. Housing quality variables include privacy of bedrooms, condition of kitchen facilities, basement or roof leakage, cracks or holes in walls, ceilings, and floors, breakdowns of plumbing facilities and equipment, use of exterminator service, and respondent's overall opinion of structure. For quality of neighborhood, variables include existence of boarded-up buildings, noise, lack of street lighting, heavy traffic, objectionable odors, crime, and respondent's overall opinion of neighborhood. Extensive information is provided on mobile homes including type of foundation, width of home, quality of the structure, problems, if any with installation of mobile home on the present site, and amount of real estate and property taxes, and site rent. Information on condominiums and cooperatives covers number of units in the development, amount of mortgage payment, real estate tax, condominium fee, and utility costs. In addition to housing characteristics, demographic data are provided on the household members, such as sex, age, race, marital status, relationship to the household head, and income. Additional data are provided on the head of the household including years of school completed, Hispanic origin, and length of residence. For each employed respondent travel-to-work information such as principal mode of transportation, carpool occupancy, type of public transportation used, and time and distance from home to work was also collected.

Real interest rates describe the growth in the real value of the interest on a loan or deposit, adjusted for inflation. Nominal interest rates on the other hand show us the raw interest rate, which is unadjusted for inflation. If the inflation rate in a certain country were zero percent, the real and nominal interest rates would be the same number. As inflation reduces the real value of a loan, however, a positive inflation rate will mean that the nominal interest rate is more likely to be greater than the real interest rate. We can see this in the recent inflationary episode which has taken place in the wake of the Coronavirus pandemic, with nominal interest rates rising over the course of 2022, but still lagging far behind the rate of inflation, meaning these rate rises register as smaller increases in the real interest rate.

This dataset contains more than 85 columns, some are calculated such as CrackedSpreads. Note: SP500, NASDAQ, DJIA, and Copper prices data are flat-lining. Would appreciate corrected data from the audience. I have written to FRED team a few times, no answer from them concerning the inaccurate rate and no signs of corrections!

As a last resort, I have corrected S&P500, NASDAQ, DJIA monthly numbers from Yahoo and Google Finance. I still have not been able to fix Copper prices which are flatling since 1980's, same is true for 15Yr Mortgage Rates

Big Picture of Current Economy and Where it is Heading?

https://lnkd.in/gnMRbFgJ

https://lnkd.in/g5t2p4ny

https://lnkd.in/gTZbr_yN

https://lnkd.in/g_58czzG

https://lnkd.in/gHacABgN

The benchmark interest rate in Japan was last recorded at 0.50 percent. This dataset provides - Japan Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Bank Lending Rate in Hong Kong decreased to 5 percent in October from 5.13 percent in September of 2025. This dataset provides - Hong Kong Prime Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

This data collection provides information on the characteristics of the housing inventory in 15 Standard Metropolitan Statistical Areas (SMSAs). Data include year the structure was built, type and number of living quarters, occupancy status, presence of commercial establishments on the property, presence of a garage, and property value. Additional data focus on kitchen and plumbing facilities, type of heating fuel used, source of water, sewage disposal, and heating and air conditioning equipment. Information about housing expenses includes mortgage or rent payments, utility costs, garbage collection fees, property insurance, real estate taxes, and repairs, additions, or alterations to the property. Similar data are provided for housing units previously occupied by respondents who had recently moved. Indicators of housing and neighborhood quality are also supplied. Housing quality variables include privacy of bedrooms, condition of kitchen facilities, basement or roof leakage, presence of cracks or holes in walls, ceilings, or floor, reliability of plumbing and heating equipment, and concealed electrical wiring. The presence of storm doors and windows and insulation was also noted. Neighborhood quality variables indicate presence of and objection to street noise, odors, crime, litter, and rundown and abandoned structures, as well as the adequacy of street lighting, public transportation, public parks, schools, shopping facilities, and police and fire protection. Extensive information on the ability of handicapped persons to move around their homes is also provided. Respondents were asked if they needed special equipment, or the help of another person to move around. They were also asked about the presence or need for housing features to aid their movement, such as ramps, braille lettering, elevators, and extra wide doors. In addition to housing characteristics, demographic data for household members are provided, including sex, age, race, income, marital status, and household relationship. Additional data are available for the household head, including Hispanic origin, length of residence, and travel-to-work information.

The Public Use Microdata Samples (PUMS) contain person- and household-level information from the "long-form" questionnaires distributed to a sample of the population enumerated in the 1980 Census. The A Sample identifies every state, county groups, and most individual counties with 100,000 or more inhabitants (350 in all). In many cases, individual cities or groups of places with 100,000 or more inhabitants are also identified. As a percentage of the 5-Percent Public Use Microdata Sample (A Sample) [CENSUS OF POPULATION AND HOUSING, 1980 [UNITED STATES]: PUBLIC USE MICRODATA SAMPLE (A SAMPLE): 5-PERCENT SAMPLE (ICPSR 8101)], this file constitutes a 1-in-1000 sample, and contains all household- and person-level variables from the original A Sample. Household-level variables include housing tenure, year structure was built, number and types of rooms in dwelling, plumbing facilities, heating equipment, taxes and mortgage costs, number of children, and household and family income. Person-level variables include sex, age, marital status, race, Spanish origin, income, occupation, transportation to work, and education. (Source: retrieved from ICPSR 06/15/2011)

Canada Conventional Mortgage: 3 Years data was reported at 6.540 % pa in Apr 2025. This stayed constant from the previous number of 6.540 % pa for Mar 2025. Canada Conventional Mortgage: 3 Years data is updated monthly, averaging 6.750 % pa from Jan 1980 (Median) to Apr 2025, with 544 observations. The data reached an all-time high of 21.500 % pa in Sep 1981 and a record low of 3.390 % pa in Aug 2017. Canada Conventional Mortgage: 3 Years data remains active status in CEIC and is reported by Bank of Canada. The data is categorized under Global Database’s Canada – Table CA.M005: Conventional Mortgage Rate.

In 2024, approximately ** percent of all housing in England was owner-occupied. This share declined notably since the early 2000's, as house prices gradually grew and affordability declined. In 2021, mortgage interest rates soared, leading to even lower homebuyer sentiment.

Official interest, rates short - term deposits unsecured and call money

1957 - 2001, January 1957- December 2003 Changed on January 13 2004. Frequency: Discontinued.

Key information about Japan Bank Lending Rate

• Japan Bank Lending Rate was reported at 1.875 % pa in Nov 2025.
• This stayed constant from the previous number of 1.875 % pa for Oct 2025.
• Japan Bank Lending Rate data is updated monthly, averaging 1.625 % pa from Jan 1971 to Nov 2025, with 659 observations.
• The data reached an all-time high of 9.250 % pa in Jul 1980 and a record low of 1.375 % pa in Jul 2006.
• Japan Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Monthly.

United States - Bank Prime Loan Rate was 7.00% in November of 2025, according to the United States Federal Reserve. Historically, United States - Bank Prime Loan Rate reached a record high of 21.50 in December of 1980 and a record low of 3.25 in August of 1955. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Bank Prime Loan Rate - last updated from the United States Federal Reserve on November of 2025.

The benchmark interest rate in Pakistan was last recorded at 11 percent. This dataset provides - Pakistan Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Saint Vincent and the Grenadines: Interest rates on bank credit to the private sector: The latest value from 2024 is 7.1 percent, a decline from 7.16 percent in 2023. In comparison, the world average is 11.26 percent, based on data from 75 countries. Historically, the average for Saint Vincent and the Grenadines from 1980 to 2024 is 9.96 percent. The minimum value, 7.1 percent, was reached in 2024 while the maximum of 11.92 percent was recorded in 1993.

The U.S. federal funds effective rate underwent a dramatic reduction in early 2020 in response to the COVID-19 pandemic. The rate plummeted from 1.58 percent in February 2020 to 0.65 percent in March and further decreased to 0.05 percent in April. This sharp reduction, accompanied by the Federal Reserve's quantitative easing program, was implemented to stabilize the economy during the global health crisis. After maintaining historically low rates for nearly two years, the Federal Reserve began a series of rate hikes in early 2022, with the rate moving from 0.33 percent in April 2022 to 5.33 percent in August 2023. The rate remained unchanged for over a year before the Federal Reserve initiated its first rate cut in nearly three years in September 2024, bringing the rate to 5.13 percent. By December 2024, the rate was cut to 4.48 percent, signaling a shift in monetary policy in the second half of 2024. In January 2025, the Federal Reserve implemented another cut, setting the rate at 4.33 percent, which remained unchanged until September 2025, when another cut set the rate at 4.22 percent. In October 2025, the rate was further reduced to 4.09 percent. What is the federal funds effective rate? The U.S. federal funds effective rate determines the interest rate paid by depository institutions, such as banks and credit unions, that lend reserve balances to other depository institutions overnight. Changing the effective rate in times of crisis is a common way to stimulate the economy, as it has a significant impact on the whole economy, such as economic growth, employment, and inflation. Central bank policy rates The adjustment of interest rates in response to the COVID-19 pandemic was a coordinated global effort. In early 2020, central banks worldwide implemented aggressive monetary easing policies to combat the economic crisis. The U.S. Federal Reserve's dramatic reduction of its federal funds rate—from 1.58 percent in February 2020 to 0.05 percent by April—mirrored similar actions taken by central banks globally. While these low rates remained in place throughout 2021, mounting inflationary pressures led to a synchronized tightening cycle beginning in 2022, with central banks pushing rates to multi-year highs. By mid-2024, as inflation moderated across major economies, central banks began implementing their first rate cuts in several years, with the U.S. Federal Reserve, Bank of England, and European Central Bank all easing monetary policy.