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: 6.23 % ▼ 1.1%15-Year Fixed Mortgage Rate: 5.58 % ▼ 1.2%5/1 Adjustable Mortgage Rate: 6.06 % ▲ 1.8%Federal Funds Rate: 3.64 % ▲ 0.0%10-Year Treasury Yield: 4.34 % ▲ 0.9%Construction Employment: 8,330 K ▲ 0.3%Avg Hourly Earnings — Construction: $40.92 ▲ 0.5%Unemployment Rate (BLS Direct): 4.3 % ▼ 2.3%Construction Unemployment Rate: 3.4 % ▼ 2.9%Avg Hourly Earnings — All Private: $37.38 ▲ 0.2%Avg Hourly Earnings — Production: $32.07 ▲ 0.2%Consumer Price Index (All Items): 330.3 Index ▲ 0.9%Core CPI (ex Food & Energy): 334.2 Index ▲ 0.2%Housing Affordability Index: 113.7 Index ▼ 3.2%Median Home Sale Price: $405,300 ▼ 1.2%Median Household Income (ACS): $77,719 ▲ 4.0%Renter Cost-Burdened Households: 45,646,491 ▲ 0.9%Personal Savings Rate: 4.0 % ▼ 11.1%30-Year Fixed Mortgage Rate: 6.23 % ▼ 1.1%15-Year Fixed Mortgage Rate: 5.58 % ▼ 1.2%5/1 Adjustable Mortgage Rate: 6.06 % ▲ 1.8%Federal Funds Rate: 3.64 % ▲ 0.0%10-Year Treasury Yield: 4.34 % ▲ 0.9%Construction Employment: 8,330 K ▲ 0.3%Avg Hourly Earnings — Construction: $40.92 ▲ 0.5%Unemployment Rate (BLS Direct): 4.3 % ▼ 2.3%Construction Unemployment Rate: 3.4 % ▼ 2.9%Avg Hourly Earnings — All Private: $37.38 ▲ 0.2%Avg Hourly Earnings — Production: $32.07 ▲ 0.2%Consumer Price Index (All Items): 330.3 Index ▲ 0.9%Core CPI (ex Food & Energy): 334.2 Index ▲ 0.2%Housing Affordability Index: 113.7 Index ▼ 3.2%Median Home Sale Price: $405,300 ▼ 1.2%Median Household Income (ACS): $77,719 ▲ 4.0%Renter Cost-Burdened Households: 45,646,491 ▲ 0.9%Personal Savings Rate: 4.0 % ▼ 11.1%
Last refreshed: April 27, 2026 at 12:03 PM UTC  •  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
6.23 %
▼ 1.1% FHLMC
As of Apr 2026
15-Year Fixed Mortgage Rate
5.58 %
▼ 1.2% FHLMC
As of Apr 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 Mar 2026
10-Year Treasury Yield
4.34 %
▲ 0.9% Fed
As of Apr 2026
CONSTRUCTION LABOR MARKET
Construction Employment
8,330 K
▲ 0.3% BLS
As of Mar 2026
Avg Hourly Earnings — Construction
$40.92
▲ 0.5% BLS
As of Mar 2026
Unemployment Rate (BLS Direct)
4.3 %
▼ 2.3% BLS ●
As of Mar 2026
Construction Unemployment Rate
3.4 %
▼ 2.9% BLS ●
As of Mar 2026
WAGE GROWTH & PURCHASING POWER
Avg Hourly Earnings — All Private
$37.38
▲ 0.2% BLS
As of Mar 2026
Avg Hourly Earnings — Production
$32.07
▲ 0.2% BLS
As of Mar 2026
Consumer Price Index (All Items)
330.3 Index
▲ 0.9% BLS
As of Mar 2026
Core CPI (ex Food & Energy)
334.2 Index
▲ 0.2% BLS
As of Mar 2026
HOUSING COST BURDEN & AFFORDABILITY
Housing Affordability Index
113.7 Index
▼ 3.2% NAR
As of Mar 2026
Median Home Sale Price
$405,300
▼ 1.2% Census
As of Oct 2025
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
4.0 %
▼ 11.1% BEA
As of Feb 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.