US Housing Market Tracker
Live data on home sales, prices, supply, and affordability - sourced from FRED, Census Bureau, and the National Association of Realtors. Updated as new data is released.
Data from FRED · Census · NAR
Key Indicators
FRED · Freddie Mac · NAR
30Y Mortgage Rate Freddie Mac
6.95%
Near 20-yr high Tight
Median Home Price Census
$416,900
Q1 2026 · new sale median Elevated
Existing Home Sales NAR / FRED
4.02M
SAAR · Apr 2026 Near 30-yr low
Affordability Index NAR / FRED
94.2
Below 100 = unaffordable Unaffordable
Housing Starts Census
1.36M
SAAR · Apr 2026 Below trend
Building Permits Census
1.44M
SAAR - leading indicator Modest
Months of Supply Census
7.4
New homes · 6 = balanced Slight surplus
New Home Sales Census
693K
SAAR · Apr 2026 Holding up
Home Price Trend
Case-Shiller · S&P / FRED
Case-Shiller US Home Price Index - YoY % Change
National composite, seasonally adjusted (S&P / FRED)
-
-
Affordability
NAR · FRED · Census
Housing Affordability Index
94.2
A score below 100 means a median-income family cannot afford a median-priced home.
50 - Crisis100 - Threshold200 - Easy
What it takes to buy at current rates
Median home price$416,900
20% down payment$83,380
Loan amount$333,520
Monthly P&I at 6.95%$2,213
Income needed (28% DTI)$94,843/yr
US median household income$80,610/yr
Monthly P&I at 3.0% (2021)$1,406
Supply & Demand
Census · NAR · FRED
Existing Home Sales (SAAR) NAR
4.02M
Pre-pandemic avg: ~5.4M · Peak 2021: 6.5M · Current: near 30-yr low as rate lock-in keeps sellers sidelined
New Home Sales (SAAR) Census
693K
Builders offering rate buydowns to attract buyers - new construction outperforming existing market
Housing Starts (SAAR) Census
1.36M
Long-run need: ~1.5M/yr to keep up with household formation. Current pace is below replacement
Building Permits (SAAR) Census
1.44M
Permits lead starts by 1-3 months - slight uptick suggests modest pipeline building
Calculate your buying power at today's rates
Free mortgage affordability calculator - uses live FRED rate data
Data sourced from FRED (Federal Reserve Bank of St. Louis), U.S. Census Bureau, Freddie Mac, and National Association of Realtors. For informational purposes only - not financial advice.
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