CPI 3.7%Unemployment 4.2%30Y mortgage 7.24%Saving 3.8¢ per $1Debt service 11.11%Fed funds 3.88%10Y Treasury 4.94%U.S. debt $40.594TDebt / household $301,162Household pressure 43.2

What does the government pay to borrow for ten years?

10-year Treasury yield

Market yield on 10-year U.S. Treasury securities at constant maturity, monthly average, from the Federal Reserve’s H.15 release.

5.13%

Percent, October 2026

+1.07 pts from a year earlier

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Percent

Shaded: U.S. recessions (NBER)

What this measures

The 10-year yield is the benchmark for long-term borrowing in the U.S. Mortgage rates track it closely, and it shapes what the Treasury pays when it refinances the national debt.

Source: Federal Reserve H.15 via FRED (GS10). Updated automatically when the source publishes. How we handle data · Embed this chart

10-year Treasury yield

What this measures

The household economy, once a month