Labor Market & Affordability

Adkins Capital Management LLC  •  Data Series
Labor Market & Affordability Dashboard
Mortgage Rates  ·  Construction Employment  ·  Wage Growth  ·  Housing Cost Burden
● LIVE DATA
Sources
BLS & Census & Fed
FRED • BLS API v2 • Census ACS
30-Year Fixed Mortgage Rate: 6.36 % ▼ 0.2%15-Year Fixed Mortgage Rate: 5.71 % ▼ 0.2%5/1 Adjustable Mortgage Rate: 6.06 % ▲ 1.8%Federal Funds Rate: 3.64 % ▲ 0.0%10-Year Treasury Yield: 4.47 % ▲ 0.2%Construction Employment: 8,321 K ▲ 0.1%Avg Hourly Earnings — Construction: $40.97 ▲ 0.1%Unemployment Rate (BLS Direct): 4.3 % ▲ 0.0%Construction Unemployment Rate: 3.3 % ▼ 2.9%Avg Hourly Earnings — All Private: $37.41 ▲ 0.2%Avg Hourly Earnings — Production: $32.23 ▲ 0.3%Consumer Price Index (All Items): 332.4 Index ▲ 0.6%Core CPI (ex Food & Energy): 335.4 Index ▲ 0.4%Housing Affordability Index: 110.6 Index ▼ 2.6%Median Home Sale Price: $403,200 ▼ 2.2%Median Household Income (ACS): $77,719 ▲ 4.0%Renter Cost-Burdened Households: 45,646,491 ▲ 0.9%Personal Savings Rate: 3.6 % ▼ 7.7%30-Year Fixed Mortgage Rate: 6.36 % ▼ 0.2%15-Year Fixed Mortgage Rate: 5.71 % ▼ 0.2%5/1 Adjustable Mortgage Rate: 6.06 % ▲ 1.8%Federal Funds Rate: 3.64 % ▲ 0.0%10-Year Treasury Yield: 4.47 % ▲ 0.2%Construction Employment: 8,321 K ▲ 0.1%Avg Hourly Earnings — Construction: $40.97 ▲ 0.1%Unemployment Rate (BLS Direct): 4.3 % ▲ 0.0%Construction Unemployment Rate: 3.3 % ▼ 2.9%Avg Hourly Earnings — All Private: $37.41 ▲ 0.2%Avg Hourly Earnings — Production: $32.23 ▲ 0.3%Consumer Price Index (All Items): 332.4 Index ▲ 0.6%Core CPI (ex Food & Energy): 335.4 Index ▲ 0.4%Housing Affordability Index: 110.6 Index ▼ 2.6%Median Home Sale Price: $403,200 ▼ 2.2%Median Household Income (ACS): $77,719 ▲ 4.0%Renter Cost-Burdened Households: 45,646,491 ▲ 0.9%Personal Savings Rate: 3.6 % ▼ 7.7%
Last refreshed: May 18, 2026 at 1:08 AM EDT  •  FRED & BLS cached 12hrs • ACS cached 24hrsSources: BLS API v2 • Census ACS API • FRED (BLS, Fed, FHLMC, NAR, BEA, Census)
● Denotes series fetched directly from BLS API v2 or Census ACS API — not via FRED
MORTGAGE RATES & CREDIT
30-Year Fixed Mortgage Rate
6.36 %
▼ 0.2% FHLMC
As of May 2026
15-Year Fixed Mortgage Rate
5.71 %
▼ 0.2% FHLMC
As of May 2026
5/1 Adjustable Mortgage Rate
6.06 %
▲ 1.8% FHLMC
As of Nov 2022
Federal Funds Rate
3.64 %
▲ 0.0% Fed
As of Apr 2026
10-Year Treasury Yield
4.47 %
▲ 0.2% Fed
As of May 2026
CONSTRUCTION LABOR MARKET
Construction Employment
8,321 K
▲ 0.1% BLS
As of Apr 2026
Avg Hourly Earnings — Construction
$40.97
▲ 0.1% BLS
As of Apr 2026
Unemployment Rate (BLS Direct)
4.3 %
▲ 0.0% BLS ●
As of Apr 2026
Construction Unemployment Rate
3.3 %
▼ 2.9% BLS ●
As of Apr 2026
WAGE GROWTH & PURCHASING POWER
Avg Hourly Earnings — All Private
$37.41
▲ 0.2% BLS
As of Apr 2026
Avg Hourly Earnings — Production
$32.23
▲ 0.3% BLS
As of Apr 2026
Consumer Price Index (All Items)
332.4 Index
▲ 0.6% BLS
As of Apr 2026
Core CPI (ex Food & Energy)
335.4 Index
▲ 0.4% BLS
As of Apr 2026
HOUSING COST BURDEN & AFFORDABILITY
Housing Affordability Index
110.6 Index
▼ 2.6% NAR
As of Apr 2026
Median Home Sale Price
$403,200
▼ 2.2% Census
As of Jan 2026
Median Household Income (ACS)
$77,719
▲ 4.0% ACS ●
As of Jan 2023
Renter Cost-Burdened Households
45,646,491
▲ 0.9% ACS ●
As of Jan 2023
Personal Savings Rate
3.6 %
▼ 7.7% BEA
As of Mar 2026
● = Direct API feed (BLS API v2 or U.S. Census Bureau ACS API). All other series via FRED — Federal Reserve Bank of St. Louis. Sources: Bureau of Labor Statistics (BLS), U.S. Census Bureau American Community Survey (ACS 1-Year), Federal Reserve, Freddie Mac (FHLMC), National Association of Realtors (NAR), Bureau of Economic Analysis (BEA). All data is public domain.