Every number we track, in one place.
All 32 tracked indicators — 31 feeding the six funnel scores, and one additional context series — with source, latest value, and 12-month shape.
Housing
Full housing view →
30-Year Mortgage Rate
FRED · MORTGAGE30US
7.32%
This rate directly determines your monthly mortgage payment on a home loan, so even small shifts meaningfully affect affordability and your long-term housing costs. Higher rates make borrowing more expensive, influencing whether now is a good time to buy or refinance.
Median Home Price
FRED · MSPUS
$393K
If you're shopping for a home, this sideways market means less bidding pressure than the frenzy of 2021-2022, but prices remain elevated compared to pre-pandemic levels. For homeowners and investors, the stability suggests the worst volatility is behind us, though gains from here won't be automatic.
Existing Home Sales
FRED · EXHOSLUSM495S
3.99M
Falling home sales signal cooling demand for housing, which can mean less pressure on prices and lower urgency if you're thinking about buying. A weak resale market also reflects how mortgage rates and affordability are still weighing on buyers' decisions.
Home Price Growth YoY
FRED · CSUSHPISA
2.09%
Slower home price growth affects your purchasing power if you're buying soon and suggests less equity buildup if you already own. It also signals cooling housing demand, which can influence mortgage rates and the broader economy's health.
Housing Starts
FRED · HOUST
1.22M
Housing starts signal whether builders are confident enough to invest in new construction, which affects job creation, lumber prices, and mortgage demand. When starts fall, it can foreshadow softer employment and higher housing costs down the line.
Months Supply of New Homes
FRED · MSACSR
8.4
More supply gives you negotiating power when shopping for a new home and may ease pressure on prices. For those holding savings, persistent excess inventory signals builders may need to offer incentives rather than further price increases.
Jobs & Labor
Full jobs & labor view →
Unemployment Rate
FRED · UNRATE
4.2%
A stable unemployment rate at this level suggests job security for workers, but the recent uptick to 4.5% earlier this year signals labor market stress that can ripple into wage growth and hiring decisions. For borrowers and savers, sustained employment stability helps keep interest rates and inflation predictable.
Nonfarm Payroll Change
FRED · PAYEMS
29
A healthy job market keeps your paycheck safe and supports home prices and loan approvals. When hiring swings wildly like this, it hints at employer uncertainty, which could eventually slow wage growth and make employers more cautious about raises.
JOLTS Job Openings
FRED · JTSJOL
7.08M
Fewer openings make it harder to negotiate better pay or escape a bad job, and they're a leading indicator that hiring could slow further. A sustained decline here eventually means slower wage growth and potentially weaker consumer spending.
Quits Rate
FRED · JTSQUR
1.9%
A low quits rate signals weak job-hopping and muted wage pressure across the economy. For savers and mortgage holders, this suggests inflation stays contained, but for job seekers it may mean less leverage to negotiate better positions.
Initial Jobless Claims
FRED · ICSA
194K
Fewer jobless claims signal a healthier labor market, which means less competition for jobs and stronger wage prospects for workers. A stable or declining claims trend also suggests companies remain confident enough to keep payroll stable, which supports economic growth and your job security.
Average Hourly Earnings YoY
FRED · CES0500000003
3.02%
If you're employed, this measures whether your paycheck is actually keeping up with living costs and inflation. Declining wage growth could signal a loosening labor market, which typically leads to slower hiring and potentially softer job security down the road.
U-6 Underemployment Rate
FRED · U6RATE
7.6%
A declining U-6 suggests more people are finding adequate work, which typically supports wage growth and consumer spending. If this trend holds, it could ease pressure on the Federal Reserve to cut rates further, affecting mortgage rates and borrowing costs for your household.
Inflation & the Fed
Full inflation & the fed view →
CPI Inflation
FRED · CPIAUCSL
3.72%
This number directly affects your purchasing power and how much your paycheck actually buys at the grocery store and gas pump. It also influences whether your savings lose value and guides Federal Reserve decisions on interest rates that impact your mortgage and borrowing costs.
Core PCE Inflation
FRED · PCEPILFE
3.01%
This number directly affects your purchasing power and the Fed's decisions on interest rates, which influence your mortgage, auto loan, and savings account returns. Persistent inflation above target makes the central bank more likely to keep rates elevated, which can slow wage growth and job creation while making borrowing more expensive.
Fed Funds Rate
FRED · FEDFUNDS
4.00%
This rate ripples through the entire economy, affecting what banks charge you for mortgages, car loans, and credit cards, while also determining what you earn on savings accounts and money market funds.
Real Policy Rate
0.74%
A near-zero real rate means the Fed's borrowing cost barely exceeds inflation, which encourages spending and borrowing but erodes savings returns. This ultra-loose stance affects your mortgage rates, credit card costs, and how much your cash actually earns.
10Y-3M Yield Curve
FRED · T10Y3M
0.87%
When long-term bond yields trade much higher than short-term ones, it suggests investors expect steady economic growth, which typically keeps borrowing costs reasonable for mortgages and business loans.
Growth
Full growth view →
GDP Growth
BEA · A191RL1Q225SBEA
2.20%
Slower GDP growth means less job creation and reduced raises across industries, which directly hits your paycheck and job security. It also affects home prices and investment returns, so your mortgage costs and retirement savings are on the line.
Real GDP Per Capita YoY
1.90%
This number directly reflects whether your paycheck is keeping up with inflation and whether the economy has room to create more jobs. When it slows like this, it often precedes weaker hiring and wage pressure.
Industrial Production YoY
FRED · INDPRO
2.25%
Factory output directly influences job creation and corporate profits, which affect your employment prospects and investment returns. When industrial growth stalls, it often signals economic slowdown ahead, affecting everything from wage growth to interest rates on your mortgage.
Capacity Utilization
FRED · TCU
76.9%
When factories run hotter, companies hire more workers and inflation pressures can build, which affects your wages and what you pay for goods. A capacity utilization rate this high suggests the economy still has room to grow without triggering runaway price increases.
Manufacturing Output YoY
FRED · IPMANSICS
1.13%
Manufacturing strength signals whether companies are confident enough to invest and hire, which directly affects job creation and wage growth. When factories weaken, recession risks rise and companies typically freeze hiring and capital spending.
Consumer
Full consumer view →
Consumer Sentiment
FRED · UMCSENT
48.1
When consumers feel pessimistic, they spend less, which slows business hiring and wage growth. Your job security, hours, and raise prospects all depend partly on whether households around you are confident enough to keep opening their wallets.
Retail Sales YoY
FRED · RSXFS
6.19%
Retail sales reveal how much consumers are actually spending, which drives about 70% of economic growth and signals whether your job market and wage growth will stay strong. A slowdown here could mean less hiring and wage pressure down the road.
Real Disposable Income YoY
FRED · DSPIC96
1.30%
This directly affects your purchasing power and ability to save. When real disposable income stalls, it signals that wage gains aren't keeping pace with inflation, squeezing household budgets and likely dampening consumer spending.
Personal Savings Rate
FRED · PSAVERT
4.1%
A weak savings rate means less financial cushion for emergencies and retirement, which can force you to rely on credit or debt when things go wrong. It also signals how confident consumers feel about their jobs and finances, which ripples through the broader economy and affects everything from interest rates to job growth.
Credit
Full credit view →
HY Credit Spread (OAS)
FRED · BAMLH0A0HYM2
3.18%
When HY spreads tighten, borrowing costs fall for riskier companies, making it easier and cheaper for them to hire, invest, and refinance debt. Widening spreads would signal economic stress ahead and could ripple into job losses and portfolio losses for everyday savers.
Baa-10Y Credit Spread
FRED · BAA10Y
1.45%
A tight spread like this typically signals confidence in the economy and lower borrowing costs for companies, which can help your employer, local businesses, and mortgage rates. If this spread widens sharply, it often precedes economic slowdowns and can raise costs across the board.
Credit Card Delinquency Rate
FRED · DRCCLACBS
2.85%
Rising delinquency signals financial stress spreading through the economy, which can tighten lending and raise rates for everyone. Falling rates like now suggest households are stabilizing, reducing recession risk and credit market strain.
Consumer Credit Growth
FRED · TOTALSL
2.73%
Steady credit growth signals consumers are borrowing cautiously and lenders are willing to extend credit, suggesting confidence in the job market and household finances. A sustained slowdown here would be a red flag for spending power and economic momentum.