US Household PulseThe United States economy,
from the household inward
1 series not refreshed · updated Nov 2, 2026 Methodology
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

Is credit easy or hard to get?

Financial conditions

The Chicago Fed’s weekly National Financial Conditions Index, built from 105 measures of risk, credit and leverage. Zero is the historical average; positive values are tighter than average.

−0.49
Index (0 = average), Oct 23, 2026
+0.0 pts from a year earlier
Download CSV
Index (0 = average)
−2.00−1.000.00+1.00+2.00+3.00+4.00+5.00+6.0019751980198519901995200020052010201520202025−0.49
Shaded: U.S. recessions (NBER)

The household economy, once a month

A short email after each month’s inflation and jobs data: what changed, what it means for a household budget, and nothing else.