30 Year Mortgage Rate in the United States decreased to 6.23 percent in November 26 from 6.26 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

Fixed 30-year mortgage rates in the United States averaged 6.40 percent in the week ending November 21 of 2025. This dataset provides the latest reported value for - United States MBA 30-Yr Mortgage Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

The benchmark interest rate in Sweden was last recorded at 1.75 percent. This dataset provides the latest reported value for - Sweden Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

This table contains data described by the following dimensions (Not all combinations are available): Geography (1 items: Canada ...).

https://raw.githubusercontent.com/Masterx-AI/Project_Housing_Price_Prediction_/main/hs.jpg" alt="">

Description:

A simple yet challenging project, to predict the housing price based on certain factors like house area, bedrooms, furnished, nearness to mainroad, etc. The dataset is small yet, it's complexity arises due to the fact that it has strong multicollinearity. Can you overcome these obstacles & build a decent predictive model?

Acknowledgement:

Harrison, D. and Rubinfeld, D.L. (1978) Hedonic prices and the demand for clean air. J. Environ. Economics and Management 5, 81–102. Belsley D.A., Kuh, E. and Welsch, R.E. (1980) Regression Diagnostics. Identifying Influential Data and Sources of Collinearity. New York: Wiley.

Objective:

• Understand the Dataset & cleanup (if required).
• Build Regression models to predict the sales w.r.t a single & multiple feature.
• Also evaluate the models & compare thier respective scores like R2, RMSE, etc.

Mortgage rates surged at an unprecedented pace in 2022, with the average 10-year fixed rate doubling between March and December of that year. In response to mounting inflation, the Bank of England implemented a series of rate hikes, pushing borrowing costs steadily higher. By October 2025, the average 10-year fixed mortgage rate stood at **** percent. As financing becomes more expensive, housing demand has cooled, weighing on market sentiment and slowing house price growth. How have the mortgage hikes affected the market? After surging in 2021, the number of residential properties sold fell significantly in 2023, dipping to just above *** million transactions. This contraction in activity also dampened mortgage lending. Between the first quarter of 2023 and the first quarter of 2024, the value of new mortgage loans declined year-on-year for five consecutive quarters. Even as rates eased modestly in 2024 and housing activity picked up slightly, volumes remained well below the highs recorded in 2021. How are higher mortgages impacting homebuyers? For homeowners, the impact is being felt most acutely as fixed-rate deals expire. Mortgage terms in the UK typically range from two to ten years, and many borrowers who locked in historically low rates are now facing significantly higher repayments when refinancing. By the end of 2026, an estimated five million homeowners will see their mortgage deals expire. Roughly two million of these loans are projected to experience a monthly payment increase of up to *** British pounds by 2026, putting additional pressure on household budgets and constraining affordability across the market.

Negative Equity Trends in US Housing Markets

Time Series Data Across Regions and Housing Types

By Zillow Data [source]

About this dataset

• This unique dataset explores the trends in negative equity within US housing markets from 2011 to 2017, allowing users to uncover the various factors and determinants that affected the outcome in each market. With data provided on all home types such as single-family homes, condominiums, and co-ops, as well as special metrics such as cash buyers and affordability analyses, you will be able to gain a comprehensive understanding of how these forces have interacted over time. Using this data you can not only learn more about historical behavior but also make predictions for future trends in these impacts.

• In addition to data collected by Zillow through their own internal resources, they have also partnered with TransUnion and other affiliate sources to give an even more precise look into what has been driving these changing dynamics across US housing markets. Such information includes negative equity metrics which allow us to track actual outstanding home-related debt amounts over time - a valuable resource when evaluating potential investments or relocations!

• And of course with any dataset there are a few guiding principles that one should take note of before delving in – this is especially true when it comes down to copyright issues or prohibited uses; though all data can be freely obtained here for public use - clear attribution of such information is legally required at all times (as stated on Zillow’s very own Terms & Conditions page). Furthermore additional resources such as Mortgage Rate Series or Jumbo Mortgages are also available through Zillow; again making sure that appropriate disclaimers are read before utilizing them.

Regardless this little treasure trove of knowledge is waiting at your fingertips – whether you’re trying your luck investing wise or just looking for an area where renting rates are equitable compared real estate values; it provides everything you need understand regional housing market fluctuations over the last half decade!

More Datasets

For more datasets, click here.

Featured Notebooks

• 🚨 Your notebook can be here! 🚨!

How to use the dataset

This dataset provides historical and current trends in negative equity (the amount a mortgage is underwater) across the United States. It contains negative equity data from Zillow, one of the leading real estate data providers. The dataset covers all housing types (including single family, condominiums and co-ops). Additionally, it includes cash buyers share, mortgage affordability index, rental affordability index and other relative measures of affordability for US metro areas. This guide will help you understand how to use this data set for your own analysis.

Overview of Covered Data:

The dataset contains time series data that shows your current trend in negative equity rate as well as some associated metrics across different scales such as region, county, city and MSA level. To access this information you will need to take following columns into consideration while using this data set:

• RegionName: Name of the region (e.g., city/county/MSA)
• SizeRank: Ranking of the region by size
• RegionType: Type of region (e.g., city/county/state)
• StateName: Name of the state
• MSA: Metropolitan Statistical Area FORMAT_4C A4 RINFOX_ RTI Information Exchange File Format [multi value 9] FORMAT_3E A3 FITS Flexible Image Transport System VERSION 4C 3E 1 Language Indicator 0 0 1 1 DONTCOPY 536880031 FILEEXTN 3 Stream Type buffer 'USTD' file version 2 HNEED 8 FILETYPE 'UDIO' creation date 05 FEB 1985 Source FMT0025 APPLICAT TRAINFORM File Organization Spooled Files DF140520 Header Block Length in Words 682 with Header Offset 636 / ULQUACK INTLCHAN * ETBFMT(V7R2),D*RECORD ACCOUNT CRFTIME FT240187 batch process status continuous Availability Continuous Version number V03C02 LOADAT AT04

Research Ideas

• Analyzing which markets have been disproportionately affected by the housing crisis and utilizing this information to inform investment strategies and...

The benchmark interest rate in Norway was last recorded at 4 percent. This dataset provides the latest reported value for - Norway Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Rental Affordability Analysis Based on Median Income

Trends in Tier-Based Affordability Across the U.S

By Zillow Data [source]

About this dataset

This dataset contains rental affordability data for different regions in the US, giving valuable insights into regional rental markets. Renters can use this information to identify where their budget will go the farthest. The cities are organized by rent tier in order to analyze affordability trends within and between different housing stock types. Within each region, the data includes median household income, Zillow Rent Index (ZRI), and percent of income spent on rent.

The Zillow Home Value Forecast (ZHVF) is used to calculate future combined mortgage pay/rent payments in each region using current median home prices, actual outstanding debt amounts and 30-year fixed mortgage interest rates reported through partnership with TransUnion credit bureau. Zillow also provides a breakdown of cash vs financing purchases for buyers looking for an investment or cash option solution.

This dataset provides an effective tool for consumers who want to better understand how their budget fits into diverse rental markets across the US; from condominiums and co-ops, multifamily residences with five or more units, duplexes and triplexes - every renter can determine how their housing budget should be adjusted as they consider multiple living possibilities throughout the country based on real-time price data!

More Datasets

For more datasets, click here.

Featured Notebooks

• 🚨 Your notebook can be here! 🚨!

How to use the dataset

Introduction

Getting Started

• First, you'll need to download the TieredAffordability_Rental.csv dataset from this Kaggle page onto your computer or device.

• After downloading the data set onto your device, open it with any CSV viewing software of your choice (ex: Excel). It will include columns for RegionName**RegionName** , homes type/housing stock (All Homes or Condo/Co-op) SizeRank , Rent tier tier , Date date , median household income income , Zillow Rent Index zri and PercentIncomeSpentOnRent percentage (what portion of monthly median house-hold goes toward monthly mortgage payment) .

• To begin analyzing rental prices across different regions using this dataset, look first at column four: SizeRank; which ranks each region based on size - smallest regions listed first and largest at last - so that you can compare a similar range of Regions when looking at affordability by home sizes larger than one unit multiplex dwellings.*Duples/Triplex*. Once there is an understanding of how all homes compare overall now it is time to consider home types Multifamily 5+ units according to rent tiers tier .

• Next, choose one or more region(s) for comparison based on their rank in SizeRank column –so that all information gathered about them reflects what portionof households fall into certain categories ; eg; All Homes / Small Home /Large Home / MultiPlex Dwelling and what tier does each size rank falls into eg.: Affordable/Slightly Expensive/ Moderately Expensive etc.. This will enable further abstraction from other elements like date vs inflation rate per month or periodical intervals set herein by Rate segmentation i e dates givenin ‘Date’Columns – making the task easier and more direct while analyzing renatalAffordibility Analysis Based On Median Income zri 00 zwi & PCISOR 00 PCIRO

Research Ideas

• Use the PercentIncomeSpentOnRent column to compare rental affordability between regions within a particular tier and determine optimal rent tiers for relocating families.
• Analyze how market conditions are affecting rental affordability over time by using the income, zri, and PercentageIncomeSpentOnRent columns.
• Identify trends in housing prices for different tiers over the years by comparing SizeRank data with Zillow Home Value Forecast (ZHVF) numbers across different regions in order to identify locations that may be headed up or down in terms of home values (and therefore rent levels)

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: TieredAffordability_Rental.csv | Column name | Description | |:-----------------------------|:-------------------------------------------------------------| | RegionName | The name of the region. (String) ...

Real Estate Breakeven Analysis for U.S. Home Types

Buy vs Rent Comparison Across Markets

By Zillow Data [source]

About this dataset

This dataset provides a comprehensive analysis of the current real estate situation in the United States. It includes breakeven analysis charts that compare buying vs renting across major U.S. markets. This dataset contains various metrics such as home types, housing stock, price-to-income ratio, cash buyers, mortgage affordability and rental affordability to name a few. This data has been compiled using Zillow's own data along with TransUnion financing survey data and the Freddie Mac Primary Mortgage Market Survey to provide an accurate understanding of each metro area’s market health and purchasing power for buyers and renters alike. By downloading this information you can compare different regions based on size rank and other factors to get full insights regarding their potential fit for your needs or investments strategies as well as any potential risks associated with each region's housing market health

More Datasets

For more datasets, click here.

Featured Notebooks

• 🚨 Your notebook can be here! 🚨!

How to use the dataset

This dataset is for real estate professionals, owner-occupants, potential buyers and renters who are interested in understanding which U.S. markets offer the most favorable home buying or rental opportunities from a financial perspective over the long term.

The “Real Estate Breakeven Analysis for U.S Home Types” dataset contains data pulled from Zillow's current and forecasted housing market metrics across many different real estate regions in the United States including cities, counties, states, metro areas and combined statistical areas (CSAs). The data includes several measures of affordability such as median price-to-rent ratio (MedPR), median breakeven horizon (MedBE) - which refers to how long it takes to make up purchase costs when compared with renting; cash purchaser share; mortgage rate; mortgage affordability indices; rental affordability rates etc.

In order to analyze and compare buying vs renting decisions across various regions in the US this dataset provides breakeven analysis at various levels of geographies i.e., state names, region types (city/metro area/county) and show how long it will take homeowners to break even on their purchase costs when compared with renting in that region over a longer period of time using discounted cash flow methodology. This information helps people understand what type of transaction is a better fit for them by weighing short term vs long term goals accordingly by evaluating these different factors related to housing metrics carefully before making financial decisions about purchasing or renting properties in desired location(s).

To use this dataset one can use either basic filters like RegionType or RegionName or more detailed filter criteria like CountyName, City name , Metro area name , State Name etc . For example if someone wanted to look at properties available for rent only then they can apply filters based on Province Type =‘Rental’ Also one can further refine searches based on filtering them with defined SampleRate , Median Price – To – Rent Ratio …..etc . This could be useful if seekers would want only specific type of property like Condominium/Coop /Multifamily 5+ Units /Duplex Triplex listing etc …and then apply other parameters like Cash Buyers percent , Mortgage Affordability Rate….etc ..in order narrow down search results while looking at Breakeven scores /horizons in their target locations . One should take advantages of all relevant parameters while searching through data before making any decision related with owning rental properties so that they can make sure best possible investment decision given

Research Ideas

• Visualizing changes in real estate trends across regions by comparing price to rent ratios, mortgage affordability indices and cash buyers over time.
• Market segmentation analysis based on region-level market characteristics such as negative equity data, rental affordability, median house values and population size.
• Predicting housing demand within a particular region based on its breakeven horizon or price to rent ratio

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: BreakEven_2017-03.csv | Column name | Description | |:----------------|:----------------------------------------------------...

Description

This data set represents thousands of loans made through the Lending Club platform, which is a platform that allows individuals to lend to other individuals. Of course, not all loans are created equal. Someone who is a essentially a sure bet to pay back a loan will have an easier time getting a loan with a low interest rate than someone who appears to be riskier. And for people who are very risky? They may not even get a loan offer, or they may not have accepted the loan offer due to a high interest rate. It is important to keep that last part in mind, since this data set only represents loans actually made, i.e. do not mistake this data for loan applications!

Format

A data frame with 10,000 observations on the following 55 variables.

emp_title

Job title.

emp_length

Number of years in the job, rounded down. If longer than 10 years, then this is represented by the value 10.

state

Two-letter state code.

homeownership

The ownership status of the applicant's residence.

annual_income

Annual income.

verified_income

Type of verification of the applicant's income.

debt_to_income

Debt-to-income ratio.

annual_income_joint

If this is a joint application, then the annual income of the two parties applying.

verification_income_joint

Type of verification of the joint income.

debt_to_income_joint

Debt-to-income ratio for the two parties.

delinq_2y

Delinquencies on lines of credit in the last 2 years.

months_since_last_delinq

Months since the last delinquency.

earliest_credit_line

Year of the applicant's earliest line of credit

inquiries_last_12m

Inquiries into the applicant's credit during the last 12 months.

total_credit_lines

Total number of credit lines in this applicant's credit history.

open_credit_lines

Number of currently open lines of credit.

total_credit_limit

Total available credit, e.g. if only credit cards, then the total of all the credit limits. This excludes a mortgage.

total_credit_utilized

Total credit balance, excluding a mortgage.

num_collections_last_12m

Number of collections in the last 12 months. This excludes medical collections.

num_historical_failed_to_pay

The number of derogatory public records, which roughly means the number of times the applicant failed to pay.

months_since_90d_late

Months since the last time the applicant was 90 days late on a payment.

current_accounts_delinq

Number of accounts where the applicant is currently delinquent.

total_collection_amount_ever

The total amount that the applicant has had against them in collections.

current_installment_accounts

Number of installment accounts, which are (roughly) accounts with a fixed payment amount and period. A typical example might be a 36-month car loan.

accounts_opened_24m

Number of new lines of credit opened in the last 24 months.

months_since_last_credit_inquiry

Number of months since the last credit inquiry on this applicant.

num_satisfactory_accounts

Number of satisfactory accounts.

num_accounts_120d_past_due

Number of current accounts that are 120 days past due.

num_accounts_30d_past_due

Number of current accounts that are 30 days past due.

num_active_debit_accounts

Number of currently active bank cards.

total_debit_limit

Total of all bank card limits.

num_total_cc_accounts

Total number of credit card accounts in the applicant's history.

num_open_cc_accounts

Total number of currently open credit card accounts.

num_cc_carrying_balance

Number of credit cards that are carrying a balance.

num_mort_accounts

Number of mortgage accounts.

account_never_delinq_percent

Percent of all lines of credit where the applicant was never delinquent.

tax_liens

a numeric vector

public_record_bankrupt

Number of bankruptcies listed in the public record for this applicant.

loan_purpose

The category for the purpose of the loan.

application_type

The type of application: either individual or joint.

loan_amount

The amount of the loan the applicant received.

term

The number of months of the loan the applicant received.

interest_rate

Interest rate of the loan the applicant received.

installment

Monthly payment for the loan the applicant received.

grade

Grade associated with the loan.

sub_grade

Detailed grade associated with the loan.

issue_month

Month the loan was issued.

loan_status

Status of the loan.

initial_listing_status

Initial listing status of the loan. (I think this has to do with whether the lender provided the entire loan or if the loan is across multiple lenders.)

disbursement_method

Dispersement method of the loan.

balance

Current...

This table contains 102 series, with data starting from 2013, and some select series starting from 2016. This table contains data described by the following dimensions (Not all combinations are available): Geography (1 item: Canada), Components (51 items: Total, funds advanced, residential mortgages, insured; Variable rate, insured; Fixed rate, insured, less than 1 year; Fixed rate, insured, from 1 to less than 3 years; ...), and Unit of measure (2 items: Dollars; Interest rate). For additional clarification on the component dimension, please visit the OSFI website for the Report on New and Existing Lending.

Comprehensive proprietary research analyzing 312,367 assumable mortgage homes from 2023-2025 across all 50 states, including interest rates, savings analysis, state distribution, price ranges, and down payment requirements.

Graph and download economic data for Median Sales Price of Houses Sold for the United States (MSPUS) from Q1 1963 to Q2 2025 about sales, median, housing, and USA.

Mortgage Application in the United States increased by 0.20 percent in the week ending November 21 of 2025 over the previous week. This dataset provides - United States MBA Mortgage Applications - actual values, historical data, forecast, chart, statistics, economic calendar and news.

These National Statistics provide monthly estimates of the number of residential and non-residential property transactions in the UK and its constituent countries. National Statistics are accredited official statistics.

England and Northern Ireland statistics are based on information submitted to the HM Revenue and Customs (HMRC) Stamp Duty Land Tax (SDLT) database by taxpayers on SDLT returns.

Land and Buildings Transaction Tax (LBTT) replaced SDLT in Scotland from 1 April 2015 and this data is provided to HMRC by https://www.revenue.scot/">Revenue Scotland to continue the time series.

Land Transaction Tax (LTT) replaced SDLT in Wales from 1 April 2018. To continue the time series, the https://gov.wales/welsh-revenue-authority">Welsh Revenue Authority (WRA) have provided HMRC with a monthly data feed of LTT transactions since July 2021.

LTT figures for the latest month are estimated using a grossing factor based on data for the most recent and complete financial year. Until June 2021, LTT transactions for the latest month were estimated by HMRC based upon year on year growth in line with other UK nations.

LTT transactions up to the penultimate month are aligned with LTT statistics.

Go to Stamp Duty Land Tax guidance for the latest rates and information.

Go to Stamp Duty Land Tax rates from 1 December 2003 to 22 September 2022 and Stamp Duty: rates on land transfers before December 2003 for historic rates.

The latest release was published 09:30 28 November 2025 and was updated with provisional data from completed transactions during October 2025.

The next release will be published 09:30 09 January 2026 and will be updated with provisional data from completed transactions during November 2025.

https://webarchive.nationalarchives.gov.uk/ukgwa/20240320184933/https://www.gov.uk/government/statistics/monthly-property-transactions-completed-in-the-uk-with-value-40000-or-above">Archive versions of the Monthly property transactions completed in the UK with value of £40,000 or above are available via the UK Government Web Archive, from the National Archives.

15 Year Mortgage Rate in the United States decreased to 5.51 percent in November 27 from 5.54 percent in the previous week. This dataset includes a chart with historical data for the United States 15 Year Mortgage Rate.

Energy Consumption of United States Over Time

Building Energy Data Book

By Department of Energy [source]

About this dataset

The Building Energy Data Book (2011) is an invaluable resource for gaining insight into the current state of energy consumption in the buildings sector. This dataset provides comprehensive data on residential, commercial and industrial building energy consumption, construction techniques, building technologies and characteristics. With this resource, you can get an in-depth understanding of how energy is used in various types of buildings - from single family homes to large office complexes - as well as its impact on the environment. The BTO within the U.S Department of Energy's Office of Energy Efficiency and Renewable Energy developed this dataset to provide a wealth of knowledge for researchers, policy makers, engineers and even everyday observers who are interested in learning more about our built environment and its energy usage patterns

More Datasets

For more datasets, click here.

Featured Notebooks

• 🚨 Your notebook can be here! 🚨!

How to use the dataset

This dataset provides comprehensive information regarding energy consumption in the buildings sector of the United States. It contains a number of key variables which can be used to analyze and explore the relations between energy consumption and building characteristics, technologies, and construction. The data is provided in both CSV format as well as tabular format which can make it helpful for those who prefer to use programs like Excel or other statistical modeling software.

In order to get started with this dataset we've developed a guide outlining how to effectively use it for your research or project needs.

• Understand what's included: Before you start analyzing the data, you should read through the provided documentation so that you fully understand what is included in the datasets. You'll want to be aware of any potential limitations or requirements associated with each type of data point so that your results are valid and reliable when drawing conclusions from them.

• Clean up any outliers: You may need to take some time upfront investigating suspicious outliers within your dataset before using it in any further analyses — otherwise, they can skew results down the road if not dealt with first-hand! Furthermore, they could also make complex statistical modeling more difficult as well since they artificially inflate values depending on their magnitude within each example data point (i.e., one outlier could affect an entire model’s prior distributions). Missing values should also be accounted for too since these may not always appear obvious at first glance when reviewing a table or graphical representation - but accurate statistics must still be obtained either way no matter how messy things seem!

• Exploratory data analysis: After cleaning up your dataset you'll want to do some basic exploring by visualizing different types of summaries like boxplots, histograms and scatter plots etc.. This will give you an initial case into what trends might exist within certain demographic/geographic/etc.. regions & variables which can then help inform future predictive models when needed! Additionally this step will highlight any clear discontinuous changes over time due over-generalization (if applicable), making sure predictors themselves don’t become part noise instead contributing meaningful signals towards overall effect predictions accuracy etc…

• Analyze key metrics & observations: Once exploratory analyses have been carried out on rawsamples post-processing steps are next such as analyzing metrics such ascorrelations amongst explanatory functions; performing significance testing regression models; imputing missing/outlier values and much more depending upon specific project needs at hand… Additionally – interpretation efforts based

Research Ideas

• Creating an energy efficiency rating system for buildings - Using the dataset, an organization can develop a metric to rate the energy efficiency of commercial and residential buildings in a standardized way.
• Developing targeted campaigns to raise awareness about energy conservation - Analyzing data from this dataset can help organizations identify areas of high energy consumption and create targeted campaigns and incentives to encourage people to conserve energy in those areas.
• Estimating costs associated with upgrading building technologies - By evaluating various trends in building technologies and their associated costs, decision-makers can determine the most cost-effective option when it comes time to upgrade their structures' energy efficiency...

The benchmark interest rate in Canada was last recorded at 2.25 percent. This dataset provides - Canada Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Starts and completions of new build dwellings in the UK, on a quarterly and annual basis, time series data