Skip to content

Housing and Mortgages

Housing and Mortgages

  • TippingPointsDebt.thumbnail

    To Borrow, or not to Borrow?

    Tuesday, November 22, 2016

    When does debt go from helpful to harmful? A recent symposium focused on such tipping points in household debt.

  • Housing affordability

    Housing Has Become More Affordable over the Long Term

    Thursday, November 17, 2016

    House prices and apartment rents have risen significantly recently, but per capita personal income has risen faster over the past 25 years.

  • Blog_Image.Mortgage.thumbnail

    Mortgage Debt's Share of Total Debt Keeps Declining

    Monday, November 14, 2016

    Significant deleveraging, coupled with increases in other forms of debt, has caused mortgage debt to make up a smaller portion of households’ total debt.

  • ConsumerDebt

    How Consumer Debt Has Evolved in the Nation and the Eighth District

    Monday, October 03, 2016

    Since the financial crisis, households nationally have sharply reduced their debt while Eighth District households have largely stayed the same.

  • What Was Behind the Boom and Bust in House Prices?

    Tuesday, September 27, 2016

    Recent research points more strongly to one of three potential culprits: fundamental shocks, credit market changes or beliefs about the housing market.

  • Did It Matter What Types of Assets the Fed Purchased?

    Monday, August 15, 2016

    New research shows that the types of assets purchased during QE had differing effects on the economy.

  • seriously delinquent loan rates

    Rates of Seriously Delinquent Auto, Student Debt Rise in First Quarter

    Tuesday, August 02, 2016

    Seriously delinquent mortgage debt, credit card debt and HELOCs all fell in the first quarter, while seriously delinquent auto and student debt rose.

  • consumer debt is on the rise

    Consumer Debt Is on the Rise

    Tuesday, July 12, 2016

    Total real consumer debt rose in the first quarter on a year-over-year basis, with all categories of debt going up except one.

  • homeownership rates

    Why Is the Homeownership Rate Still Falling?

    Tuesday, March 22, 2016

    There are at least two reasons why the U.S. homeownership rate continues to fall despite many housing metrics improving.

  • mortgage debt default

    Why Has the Share of Mortgage Debt in Default Fallen?

    Thursday, February 11, 2016

    Four components—changes in average debt, average debt in default, number of households with debt and number of households in default—constitute the change in the share of mortgage debt in default. Which one is the biggest driver?