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    seriously delinquent loan rates
    Seriously delinquent mortgage debt, credit card debt and HELOCs all fell in the first quarter, while seriously delinquent auto and student debt rose.
    lasting effects of housing crisis
    The idea that people should buy a home as soon as possible seems to be changing.
    inflation heat map
    While overall inflation remains relatively low, shelter costs have been going up at a rate higher than their long-term trend.

    The Housing Market Conditions (HMC) report is a quarterly overview of housing market conditions in each of the seven states that comprise the Federal Reserve's Eighth District and the Metropolitan Statistical Areas (MSA) of Little Rock, Louisville, Memphis and St. Louis.

    housing market conditions

    The share of seriously delinquent mortgages in the U.S. declined in the first quarter.

    mortgage debt
    The Great Recession had a significant impact on household finances, particularly on debt. Mortgage debt, typically the largest debt households experience, had been increasing due to higher house prices and increased reliance on mortgage financing, but started falling around the time of the recession.
    According to the latest issue of Housing Market Conditions, the share of seriously delinquent mortgages in the U.S. dropped during the fourth quarter of 2014. However, the drop was mostly due to a decline in foreclosures, as loans delinquent 90 days or more rose during the quarter.
    house price indexes
    Tracking house prices is of increasing importance to many people. There are several prominent house price indexes for the U.S. Knowing how they differ can help people decide which one to follow.
    Overall, the share of households with negative equity in their homes declined from 2010 to 2013. However, breaking down shares by income and age shows that not all groups had the same experiences.

    It should not surprise anyone that the homeownership rate has declined nationwide in the most recent years after a large number of foreclosures. Many former homeowners must have moved into rental units, pushing down the rental vacancy rate, as seen in the graph. What is surprising is that the homeowner vacancy rate is actually declining as well.