The American Household Economy 2026

The American Household Economy · 2026

Sources

The full source ledger: every issuing agency, release, observation period and live link behind the figures in this atlas, searchable and filterable.

Data as of

Source ledger

Every reading in this atlas, with its issuing agency, observation period, release date and a live link. Derived from the canonical data feed — 83 readings drawn from 43 unique sources.

ReadingCategoryObservedReleasedSource
Doing okay or living comfortably 73%households20252026-05-13Federal Reserve SHED ↗
Financially worse off than 12 months earlier 28%households20252026-05-13Federal Reserve SHED ↗
Financially better off than 12 months earlier 23%households20252026-05-13Federal Reserve SHED ↗
Could cover a $400 emergency with cash or equivalent 63%liquidity20252026-05-13Federal Reserve SHED ↗
Could not pay a $400 emergency by any means 12%liquidity20252026-05-13Federal Reserve SHED ↗
Three-month rainy-day fund 55%liquidity20252026-05-13Federal Reserve SHED ↗
Did not pay all bills in full last month 16%liquidity20252026-05-13Federal Reserve SHED ↗
Struggled paying bills last month 28%liquidity20252026-05-13Federal Reserve SHED ↗
Always or often had money left at month-end 41%liquidity20252026-05-13Federal Reserve SHED ↗
Price changes worsened finances 58%prices20252026-05-13Federal Reserve SHED ↗
Skipped medical care because of cost 26%hardship20252026-05-13Federal Reserve SHED ↗
Had medical debt 18%hardship20252026-05-13Federal Reserve SHED ↗
Food insufficiency in prior month 8%hardship20252026-05-13Federal Reserve SHED ↗
Renters behind on rent during prior year 23%housing20252026-05-13Federal Reserve SHED ↗
Carried a credit-card balance 45%debt20252026-05-13Federal Reserve SHED ↗
Used Buy Now, Pay Later 16%debt20252026-05-13Federal Reserve SHED ↗
BNPL users who paid late 26%debt20252026-05-13Federal Reserve SHED ↗
Ages 18–29 receiving outside help with expenses 47%distribution20252026-05-13Federal Reserve SHED ↗
Ages 18–29 not paying all bills in full 24%distribution20252026-05-13Federal Reserve SHED ↗
Unemployment rate 4.2%workJune 20262026-07-02Bureau of Labor Statistics ↗
Monthly nonfarm payroll change +57,000workJune 20262026-07-02Bureau of Labor Statistics ↗
Labor-force participation rate 61.5%workJune 20262026-07-02Bureau of Labor Statistics ↗
Long-term unemployed 1.9MworkJune 20262026-07-02Bureau of Labor Statistics ↗
Average private hourly earnings $37.64workJune 20262026-07-02Bureau of Labor Statistics ↗
Real average hourly earnings growth +0.1%workJune 2025–June 20262026-07-14Bureau of Labor Statistics ↗
Consumer Price Index inflation 3.5%pricesJune 2025–June 20262026-07-14Bureau of Labor Statistics ↗
Core CPI inflation 2.6%pricesJune 2025–June 20262026-07-14Bureau of Labor Statistics ↗
Energy-price inflation 15.7%pricesJune 2025–June 20262026-07-14Bureau of Labor Statistics ↗
PCE inflation 4.1%pricesMay 2025–May 20262026-06-26Bureau of Economic Analysis ↗
Core PCE inflation 3.4%pricesMay 2025–May 20262026-06-26Bureau of Economic Analysis ↗
Personal saving rate 3.0%householdsMay 20262026-06-26Bureau of Economic Analysis ↗
Real consumer spending growth +0.3%macroMay 20262026-06-26Bureau of Economic Analysis ↗
Real GDP growth 2.1%macroQ1 20262026-06-25Bureau of Economic Analysis ↗
Real final sales to private domestic purchasers 1.7%macroQ1 20262026-06-25Bureau of Economic Analysis ↗
Federal-funds target range 3.50–3.75%macroJune 18, 2026 onward2026-06-17Federal Reserve FOMC ↗
Total household debt $18.794TdebtQ1 20262026-05-12Federal Reserve Bank of New York ↗
Mortgage debt $13.191TdebtQ1 20262026-05-12Federal Reserve Bank of New York ↗
Credit-card debt $1.252TdebtQ1 20262026-05-12Federal Reserve Bank of New York ↗
Debt in some stage of delinquency 4.8%debtQ1 20262026-05-12Federal Reserve Bank of New York ↗
Flow into serious credit-card delinquency 7.10%debtQ1 20262026-05-12Federal Reserve Bank of New York ↗
Flow into serious student-loan delinquency 10.86%debtQ1 20262026-05-12Federal Reserve Bank of New York ↗
30-year fixed mortgage rate 6.58%housingWeek ending July 23, 20262026-07-23Freddie Mac PMMS ↗
FHFA house-price growth +2.0%housingApril 2025–April 20262026-06-30Federal Housing Finance Agency ↗
Housing starts 1.427MhousingJune 20262026-07-17Census Bureau and HUD ↗
Building permits 1.367MhousingJune 20262026-07-17Census Bureau and HUD ↗
Real median household income $83,730distribution20242025-09U.S. Census Bureau CPS ASEC ↗
Supplemental Poverty Measure rate 12.9%distribution20242025-09U.S. Census Bureau CPS ASEC ↗
Food-insecure households 13.7%hardship20242025-12USDA Economic Research Service ↗
Total public debt outstanding $39.519TmacroJuly 16, 20262026-07-20U.S. Treasury Fiscal Data ↗
Household and nonprofit net worth $183.0TmacroQ1 20262026-06-11Federal Reserve Financial Accounts (Z.1) ↗
Households-only net worth $174.010TdistributionQ1 20262026-06-11Federal Reserve Financial Accounts / FRED ↗
Net worth to disposable income 7.81×macroQ1 20262026-06-11Federal Reserve Financial Accounts (Z.1) ↗
Deposits and money-market funds $20.6TmacroQ1 20262026-06-11Federal Reserve Financial Accounts (Z.1) ↗
Household and nonprofit liabilities $21.6TmacroQ1 20262026-06-11Federal Reserve Financial Accounts (Z.1) ↗
Median family net worth $192,900distribution20222023-10Federal Reserve Survey of Consumer Finances ↗
Top 1% share of household net worth 31.6%distributionQ1 20262026-06-18Federal Reserve Distributional Financial Accounts / FRED ↗
Bottom 50% net worth $4.266TdistributionQ1 20262026-06-18Federal Reserve Distributional Financial Accounts / FRED ↗
Bottom 50% share of household net worth 2.45%distributionQ1 20262026-06-18Federal Reserve Distributional Financial Accounts ↗
Money-income Gini coefficient 0.456distribution20242025-09-09U.S. Census Bureau / FRED ↗
Official poverty rate 10.6%distribution20242025-09-09U.S. Census Bureau ↗
Broad labor underutilization rate (U-6) 7.9%workJune 20262026-07-02Bureau of Labor Statistics / FRED ↗
Job openings 7.594MworkMay 20262026-07Bureau of Labor Statistics JOLTS / FRED ↗
Part-time for economic reasons 4.7MworkJune 20262026-07-02Bureau of Labor Statistics ↗
Concerned about finding or keeping a job 42%work20252026-05-13Federal Reserve SHED ↗
Median sales price of houses sold $410,700housingQ2 20262026-07U.S. Census Bureau / FRED ↗
Homeownership rate 65.3%housingQ1 20262026-04U.S. Census Bureau / FRED ↗
Rent of primary residence CPI 441.741housingJune 20262026-07-14Bureau of Labor Statistics / FRED ↗
Adults under 30 living with a parent 49%housing20252026-05-13Federal Reserve SHED ↗
Home-equity line balances $446BdebtQ1 20262026-05-12Federal Reserve Bank of New York ↗
Auto-loan balances $1.685TdebtQ1 20262026-05-12Federal Reserve Bank of New York ↗
Student-loan balances $1.658TdebtQ1 20262026-05-12Federal Reserve Bank of New York ↗
Flow into serious delinquency, all debt 2.83%debtQ1 20262026-05-12Federal Reserve Bank of New York ↗
Household debt-service ratio 11.16%debtQ1 20262026-06Federal Reserve / FRED ↗
Rated the national economy good or excellent ≈25%households20252026-05-13Federal Reserve SHED ↗
Non-retirees who think retirement savings are on track 35%households20252026-05-13Federal Reserve SHED ↗
University of Michigan consumer sentiment 44.8householdsMay 20262026-05University of Michigan / FRED ↗
Very low food security 5.4%hardship20242025-12USDA Economic Research Service ↗
Uninsured for the full year 8.0%hardship20242025-09-09U.S. Census Bureau ↗
Nominal gross domestic product $31.866TmacroQ1 20262026-06-25Bureau of Economic Analysis / FRED ↗
Federal debt to GDP 122.6%macroQ1 20262026-06U.S. Treasury / BEA / FRED ↗
Federal budget deficit $1.775TmacroFY20252025-10U.S. Treasury / FRED ↗
Effective federal-funds rate 3.63%macroJuly 16–22, 20262026-07-23Federal Reserve H.15 ↗
10-year Treasury yield 4.67%macroJuly 22, 20262026-07-23Federal Reserve H.15 ↗
Net worth by age (source lineage)net worth2022 Survey of Consumer Finances2023 – 2026https://dqydj.com/net-worth-percentiles-by-age/ ↗
Net worth by age (source lineage)net worth2022 Survey of Consumer Finances2023 – 2026https://www.federalreserve.gov/econres/scfindex.htm ↗
Net worth by age (source lineage)net worth2022 Survey of Consumer Finances2023 – 2026https://www.bls.gov/news.release/cpi.nr0.htm ↗

Issuing agencies

The distinct sources behind the ledger.

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