30-Year Fixed Rate & 10-Year Treasuries
This chart compares the 30-Year Fixed Rate Mortgage Average (blue line) with the Market Yield on U.S. Treasury Securities at 10-Year Constant Maturity (red line) over time.
The mortgage rate reflects the interest rate borrowers pay for a 30-year fixed mortgage, while the 10-year Treasury yield represents the return on investment for U.S. government bonds.
The chart shows how closely mortgage rates are tied to Treasury yields, as both are influenced by broader economic conditions, inflation expectations, and monetary policy.
Understanding these trends is crucial for potential homebuyers and investors, as changes in these rates impact borrowing costs and the overall affordability of housing.
Spread Between 30-yr Mortgage & 10-yr Treasuries
This chart shows the spread between the 30-Year Fixed Rate Mortgage Average and the Market Yield on U.S. Treasury Securities at 10-Year Constant Maturity.
The spread represents the difference in interest rates between long-term mortgages and government bonds. A wider spread suggests greater risk or uncertainty in the mortgage market, possibly due to economic instability or changes in lending standards.
A narrower spread indicates more stability and lower perceived risk.
Monitoring this spread helps assess the health of the housing and financial markets, as it reflects changes in borrowing costs and economic sentiment over time.
30-Year Inflation Expectation
This chart shows the 30-Year Breakeven Inflation Rate, which represents the market's expectation of average inflation over the next 30 years. It is calculated as the difference between the yield on a nominal 30-year Treasury bond and a 30-year Treasury Inflation-Protected Security (TIPS).
A higher breakeven rate suggests that investors expect higher inflation in the future, while a lower rate indicates lower inflation expectations.
This measure is crucial for understanding long-term inflation trends and helps investors and policymakers make decisions regarding interest rates, bond investments, and economic policy.
Mortgages Outstanding
This chart displays the total liabilities of households and nonprofit organizations for one-to-four-family residential mortgages in the United States over time.
It represents the total amount of mortgage debt held by these groups, illustrating how borrowing for home purchases has increased dramatically, especially since the 1980s.
This growth reflects rising home prices, increased access to credit, and changes in mortgage lending practices.
Understanding this chart is crucial for assessing household debt levels and the potential impact on the economy, especially during periods of economic downturns or rising interest rates when mortgage repayments may become more challenging for homeowners.
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