Housing Market Data Guide

Beta Version of Consolidated Dataset Now Available!

Economic Trends

S&P CoreLogic Case-Shiller U.S. National Home Price Index over time

📊 Housing Data Downloads

Commonly used U.S. housing-market datasets (CSV/XLS/XLSX).

Home Prices / Price Indexes

FHFA Master HPI (all series, monthly & quarterly): CSV
FHFA All-Transactions HPI — United States (USSTHPI): CSV
S&P CoreLogic Case-Shiller U.S. National HPI (CSUSHPINSA): CSV
S&P CoreLogic Case-Shiller 20-City Composite (SPCS20RSA): CSV (vintages)
Zillow Home Value Index (ZHVI) — All homes, metro level (wide file): CSV

Rents

Zillow Observed Rent Index (ZORI) — All Homes + Multifamily, ZIP level: CSV

Supply & Construction

Building Permits — Total Units (PERMIT): CSV
Housing Starts — Total (HOUST): CSV
New Single-Family Homes Sold (HSN1F): CSV
Median Sales Price of Houses Sold (MSPUS): CSV
Total Private Residential Construction Spending (PRRESCONS): CSV

For-Sale Inventory

Active Listing Count — United States (ACTLISCOUUS): CSV

Rates & Labor

30-Year Fixed Mortgage Rate (MORTGAGE30US): CSV
Unemployment Rate (UNRATE): CSV

Occupancy / Vacancy

Rental Vacancy Rate (RRVRUSQ156N): CSV
Homeowner Vacancy Rate (RHVRUSQ156N): CSV

Housing Insurance Datasets (Downloadable)

Homeowners Insurance Datasets

FIO / U.S. Treasury ZIP-Level Homeowners Insurance Data (Excel, 2018–2022)
Dataset: Excel file
NAIC Insurance Financial Data Portal (CSV/Excel export available)
Dataset: Visit portal
Iowa Property & Casualty Insurance — Premiums & Losses (CSV)
Dataset: Download CSV
NY Property & Casualty Insurance — Premiums Written (CSV)
Dataset: Download CSV

Financial Market Index Datasets (CSV Downloads)

S&P 500 — Robert Shiller Historical Data (monthly prices, dividends, earnings, P/E ratio)
Download CSV: S&P 500 (Shiller dataset)
Dow Jones Industrial Average — Historical daily closing prices via Stooq
Download CSV: DJIA Historical Data (Stooq) :Download CSV file link available on the stooq page

Major U.S. Mortgage Lenders — Financial Statements

United Wholesale Mortgage (UWM) (Company Website)
Rocket Mortgage (Rocket Companies, formerly Quicken Loans) Investor Relations & Filings
PennyMac Financial Services Annual Reports
Mr. Cooper Group (Rocket Companies subsidiary) Investor Relations
Bank of America (Housing-related mortgage division) Annual Reports
JPMorgan Chase (Mortgage origination & servicing) Annual Reports
Wells Fargo (Mortgage services) Annual Reports
U.S. Bank (Mortgage operations) Annual Reports

Mortgage Rates — CSV Downloads

Direct CSV links for popular mortgage rate series from FRED.

30-Year Fixed Rate Mortgage Average (U.S.)

Series ID: MORTGAGE30US
Download CSV · Series page

15-Year Fixed Rate Mortgage Average (U.S.)

Series ID: MORTGAGE15US
Download CSV · Series page

5/1-Year ARM Average (U.S.) — Discontinued

Series ID: MORTGAGE5US
Download CSV · Series page

Contract Rate on 30-Year Fixed-Rate Conventional Commitments — Discontinued

Series ID: MORTG (Monthly)
Download CSV · Series page

30-Year Fixed Rate Conforming Mortgage Index

Series ID: OBMMIC30YF (Daily)
Download CSV · Series page

30-Year Fixed Rate Jumbo Mortgage Index

Series ID: OBMMIJUMBO30YF (Daily)
Download CSV · Series page

30-Year Fixed Rate FHA Mortgage Index

Series ID: OBMMIFHA30YF (Daily)
Download CSV · Series page

30-Year Fixed Rate Veterans Affairs Mortgage Index

Series ID: OBMMIVA30YF (Daily)
Download CSV · Series page

30-Year Fixed Rate USDA Mortgage Index

Series ID: OBMMIUSDA30YF (Daily)
Download CSV · Series page

Need the API instead?

FRED’s API can also return CSV (zipped). Example:
https://api.stlouisfed.org/fred/series/observations?series_id=MORTGAGE30US&file_type=csv&api_key=YOUR_KEY

Mortgage Glossaries & Resources

Explore these free and reliable mortgage and home-loan glossaries to understand key terms better:

Tip: Most FRED links use the fredgraph.csv?id=SERIES pattern—swap the series ID to download others.

How to interpret an HPI value of 248

Example: An HPI of 248 means prices are 148% higher than the index’s base period (i.e., prices are about 2.48× the base).

What’s the base period?

Case-Shiller U.S. National HPI → Jan 2000 = 100. So 248 = +148% since Jan 2000.
FHFA Purchase-Only HPI → Jan 1991 = 100. So 248 = +148% since Jan 1991.
FHFA All-Transactions HPI → 1980 Q1 = 100. So 248 = +148% since 1980 Q1.

Quick math: % change vs base = (248 / 100 − 1) × 100 = 148%.

Back-of-envelope price: If a representative home was $200,000 in the base period, at 248 it’s roughly $200,000 × 2.48 = $496,000.

Try your own numbers

HPI value Base-period price ($)

Note: Always check the specific index family (Case-Shiller vs. FHFA), seasonal adjustment, and geography before comparing values.

Mortgage Calculator

Loan Amount:
Interest Rate (%):
Term (Years):

Home Affordability

Monthly Income:
Monthly Debts:
Interest Rate (%):
Term (years):

Extra Payment Impact

Loan Amount:
Interest Rate (%):
Term (years):
Extra Monthly Payment:

Amortization Schedule

Loan Amount:
Interest Rate (%):
Term (years):

Property Tax Estimator

Home Value ($):
Tax Rate (%):

County-Level Property Tax Rates (Tax Foundation)

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