Real Disposable Income per Person
Monthly · After-tax income, including transfers, adjusted for prices and population. January 2020 = 100. This is an average across people, not the income of a typical household. Full chart
Source data: A229RX0
Household Financial Health
Income, purchasing power, jobs, debt stress and wealth.
Sources are checked daily. Observations arrive on each source’s weekly, monthly, quarterly or annual release schedule. Each chart shows its own data date; a successful daily check does not create a new observation. Revisions can change earlier values.
Income, prices and jobs
Start with purchasing power and access to work. Read income per person alongside wages and employment before drawing conclusions from asset prices.
Wage Growth and Consumer Inflation
Monthly · When average wage growth exceeds inflation, average hourly pay gains purchasing power. Changing worker composition can move average pay; this is not the median worker’s raise. Full chart
Source data: CES0500000003 · CPIAUCSL
U.S. Unemployment Rate
Monthly · The share of the labor force actively seeking work and available for a job. People who stop looking leave this denominator; compare with the employment rate below. Full chart
Source data: UNRATE
Employment Rate, Ages 25 to 54
Monthly · The employed share of adults ages 25–54, including people outside the labor force in the denominator. Annual population-control changes, especially January 2025 and 2026, can cause breaks. October 2025 was not collected during the federal shutdown. Full chart
Source data: LNS12300060
Household Prices Since 2020
Monthly · Price levels, not inflation rates: 130 means prices are 30% above January 2020. Slower inflation does not reverse prior increases. Shelter includes owners’ equivalent rent and is not a home-purchase price index. Full chart
Source data: CPIAUCSL · CUSR0000SAF11 · CUSR0000SAH1 · CPIENGSL
Real Median Household Income
Annual · The middle household’s annual money income, adjusted for inflation; 2000 = 100. This complements the per-person average. It is a before-tax survey measure and arrives annually with a longer lag. Full chart
Source data: MEHOINUSA672N
Saving and debt stress
Saving and required payments describe the room in household budgets. Delinquencies reveal stress that aggregate income and wealth can conceal.
Personal Saving Rate
Monthly · Personal saving as a share of after-tax income. An aggregate flow, not the median household’s bank balance or the share of people able to cover an emergency. Full chart
Source data: PSAVERT
Household Debt Payments as a Share of Income
Quarterly · Required scheduled debt payments relative to disposable income. Uses the Fed’s current credit-bureau methodology, available from 2005; mortgage payments include escrow. Do not splice this with the discontinued older method. Full chart
Source data: TDSP
Delinquency Rates on Household Bank Loans
Quarterly · Commercial-bank-held balances that are 30+ days past due or nonaccrual. Excludes loans held elsewhere. These are delinquency stock rates, unlike the New York Fed’s flow into serious delinquency. Full chart
Source data: DRCCLACBS · DROCLACBS · DRSFRMACBS
Household Debt Relative to Income
Quarterly · Outstanding household debt compared with a year of disposable income. 100% means debt equals annual income. This measures the stock of debt, not the required payment burden above. Full chart
Source data: Federal Reserve figure data (CSV)
Wealth, housing and who benefits
Higher aggregate wealth does not mean every household is better off. Compare the distribution, housing leverage and borrowing costs.
Household Net Worth Relative to Income
Quarterly · Assets less liabilities relative to annual disposable income. 800% means eight times a year’s income. The household-and-nonprofit total can rise while many families struggle. Full chart
Source data: HNONWPDPI
Who Holds U.S. Household Wealth?
Quarterly · Shares of aggregate household net worth by wealth percentile, not income percentile. These unequal-sized groups show why a rising total says little about the typical household. Full chart
Source data: WFRBST01134 · WFRBSN09161 · WFRBSN40188 · WFRBSB50215
Homeowners’ Equity as a Share of Real Estate
Quarterly · Household real-estate value less home mortgages, as a share of real-estate value. An aggregate leverage cushion; it does not measure first-time-buyer affordability or the median owner’s equity. Full chart
Source data: HOEREPHRE
Thirty-Year Fixed Mortgage Rate
Weekly · The average offered 30-year fixed mortgage rate from Freddie Mac’s weekly survey. This affects new borrowing and refinancing, not the rate paid on every existing mortgage. Full chart
Source data: MORTGAGE30US
Equity exposure and valuation changes
These Federal Reserve balance-sheet measures explain how stock and property markets affect household wealth. They include nonprofit organizations.
Equities as % of U.S. Household Financial Assets
Quarterly · Direct and indirect corporate equities divided by financial assets. Includes funds, insurance and defined-contribution pensions. This is an asset share, not the percentage of households owning stocks; market gains can raise it without new purchases. Full chart
Source data: BOGZ1FL153064486Q
Direct and Indirect Household Equity Holdings
Quarterly · Direct corporate stock ownership compared with equity exposure through funds, insurance and defined-contribution pensions. Dollar holdings are nominal; the indirect measure is not all mutual-fund assets. Full chart
Source data: HNOCEA · BOGZ1FL153064175Q
Equity and Real-Estate Valuation Gains or Losses
Quarterly · Quarterly dollar gains or losses caused by valuation changes in direct and indirect equities and real estate. Excludes purchases and sales; it is neither saving nor the entire change in net worth. Full chart
Source data: BOGZ1FR153064475Q · BOGZ1FR155035005Q
More household context
For debt by type and serious delinquency, see Consumer Credit and Household Debt. Explore Housing Market for housing supply and Equality for further distributional detail.
The Federal Reserve’s quarterly Financial Accounts report provides the balance-sheet analysis behind the wealth charts. Compare reporting periods and distinguish household averages from medians when using these figures in an article.