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 & Fed
via FRED • St. Louis Fed
30-Year Fixed Mortgage Rate: 6.38 % ▲ 2.6%15-Year Fixed Mortgage Rate: 5.75 % ▲ 3.8%5/1 Adjustable Mortgage Rate: 6.06 % ▲ 1.8%Federal Funds Rate: 3.64 % ▲ 0.0%10-Year Treasury Yield: 4.42 % ▲ 2.1%Construction Employment: 8,309 K ▼ 0.1%Avg Hourly Earnings — Construction: $40.70 ▲ 0.4%Civilian Unemployment Rate: 4.4 % ▲ 2.3%Avg Hourly Earnings — All: $37.32 ▲ 0.4%Avg Hourly Earnings — Production: $32.03 ▲ 0.3%Consumer Price Index (All Items): 327.5 Index ▲ 0.3%Core CPI (ex Food & Energy): 333.5 Index ▲ 0.2%Housing Affordability Index: 117.6 Index ▲ 0.4%Median Home Sale Price: $405,300 ▼ 1.2%Median Household Income: $83,730 ▲ 1.3%Personal Savings Rate: 4.5 % ▲ 12.5%30-Year Fixed Mortgage Rate: 6.38 % ▲ 2.6%15-Year Fixed Mortgage Rate: 5.75 % ▲ 3.8%5/1 Adjustable Mortgage Rate: 6.06 % ▲ 1.8%Federal Funds Rate: 3.64 % ▲ 0.0%10-Year Treasury Yield: 4.42 % ▲ 2.1%Construction Employment: 8,309 K ▼ 0.1%Avg Hourly Earnings — Construction: $40.70 ▲ 0.4%Civilian Unemployment Rate: 4.4 % ▲ 2.3%Avg Hourly Earnings — All: $37.32 ▲ 0.4%Avg Hourly Earnings — Production: $32.03 ▲ 0.3%Consumer Price Index (All Items): 327.5 Index ▲ 0.3%Core CPI (ex Food & Energy): 333.5 Index ▲ 0.2%Housing Affordability Index: 117.6 Index ▲ 0.4%Median Home Sale Price: $405,300 ▼ 1.2%Median Household Income: $83,730 ▲ 1.3%Personal Savings Rate: 4.5 % ▲ 12.5%
Last refreshed: March 29, 2026 at 5:30 AM UTC  •  Data cached every 12 hoursSources: BLS, Federal Reserve, FHLMC, NAR, BEA, U.S. Census Bureau via FRED API
MORTGAGE RATES & CREDIT
30-Year Fixed Mortgage Rate
6.38 %
▲ 2.6% FHLMC
As of Mar 2026
15-Year Fixed Mortgage Rate
5.75 %
▲ 3.8% FHLMC
As of Mar 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 Feb 2026
10-Year Treasury Yield
4.42 %
▲ 2.1% Fed
As of Mar 2026
CONSTRUCTION LABOR MARKET
Construction Employment
8,309 K
▼ 0.1% BLS
As of Feb 2026
Avg Hourly Earnings — Construction
$40.70
▲ 0.4% BLS
As of Feb 2026
Unemployment Rate
Unavailable
— N/ABLS
Civilian Unemployment Rate
4.4 %
▲ 2.3% BLS
As of Feb 2026
WAGE GROWTH & PURCHASING POWER
Avg Hourly Earnings — All
$37.32
▲ 0.4% BLS
As of Feb 2026
Avg Hourly Earnings — Production
$32.03
▲ 0.3% BLS
As of Feb 2026
Consumer Price Index (All Items)
327.5 Index
▲ 0.3% BLS
As of Feb 2026
Core CPI (ex Food & Energy)
333.5 Index
▲ 0.2% BLS
As of Feb 2026
HOUSING COST BURDEN & AFFORDABILITY
Housing Affordability Index
117.6 Index
▲ 0.4% NAR
As of Feb 2026
Median Home Sale Price
$405,300
▼ 1.2% Census
As of Oct 2025
Median Household Income
$83,730
▲ 1.3% Census
As of Jan 2024
Personal Savings Rate
4.5 %
▲ 12.5% BEA
As of Jan 2026
Data provided by the Bureau of Labor Statistics (BLS), Federal Reserve, Freddie Mac (FHLMC), National Association of Realtors (NAR), Bureau of Economic Analysis (BEA), and U.S. Census Bureau via the Federal Reserve Bank of St. Louis FRED database. All data is public domain.