Skip to content
Palanor is in early release, with our founding customers.Become a founding customer →
The Real Rate Index45.30.00Palanor: Inflation Pulse50.7+0.09Palanor: Geopolitical Stress60.0-2.16Palanor: Liquidity57.9-0.79Palanor: Capital Tightness47.5+0.91Palanor: Industrial Pulse70.10.00Palanor: AI Margin Compression53.4+0.29Palanor: Consumer Confidence48.6+0.50Palanor: US Dollar Strength46.50.00Palanor: Labor Heat63.2-0.01Palanor: Recession Vocabulary28.1+0.54Palanor: Uncertainty Index53.4+1.24Palanor: US Jobs Health40.30.00Palanor: Energy Transition37.0-0.52Palanor: Reshoring Sentiment22.8+0.54Palanor: AI Substitution28.4-0.24The Social Fabric Index45.70.00Palanor: Geopolitical Anxiety19.4-0.45Palanor: Quit Pressure37.6+0.42The Mania Index88.00.00The Palanor Index57.1-0.51Cost Disease Spread33.20.00Palanor: US vs China49.5-0.17Rise of Socialism Index40.8-0.26The Bubble Memory79.90.00Palanor: Steward Confidence50.8+0.13The Long Watch90.30.00The Reshoring Index55.2+0.00The Capital Return Index81.0-0.75The Discourse Index72.4+1.83The Hesitation Index30.8-6.58Palanor AI Inference Cost Index71.2-0.03The AI Capex Race Index78.4+1.36The Boardroom Index82.5-0.00The Layoff Cycle Index32.8-2.51Capital Deployment Posture Index62.3+1.26The Consumer Health Index41.7-2.96Labor Hours Composite44.40.00The Dollar Erosion Index66.6+0.14Palanor: Risk Appetite36.2+0.83
PalanorPalanor

Line

Home Payment to Income

Monthly principal and interest on a median new home as a share of median household income, %

31.1% in Oct 2026+7.2 pp since Oct 2021
YTD1y2y5y10y20yAll
Forecast availableOffContinuationForesight™
Show · 1 ▾
U.S. recessionsShades the months the NBER dates as recession. U.S. charts only.5-year rangeThe highest and lowest readings of the last five years, as a band. One-series charts only.High and lowMarks the highest and lowest readings in the window shown.
Current·Data to Oct 2026

Plays the chart through its history. Pauses are where the data set a record or moved most.

Assumes a conventional down payment and a 30-year fixed rate. Excludes taxes, insurance and fees.

A single affordability gauge that combines home prices, mortgage rates and income. It rises when prices or rates climb faster than incomes.

What this chart reads

Sources

Home Payment-to-Income (Palanor). Source: Computed by Palanor from US Census Bureau and Freddie Mac data via FRED. Inputs: fred_median_home_price (MSPUS), fred_mortgage30 (MORTGAGE30US), fred_median_household_income_nominal (MEHOINUSA646N). Computed in src/lib/household/sync.ts.

Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.

Related charts

HousingForecast

U.S. Mortgage Rates

Average 30-year and 15-year fixed mortgage rates, %

7.40%Data 7 days ago
HousingForecast

Housing Starts and Building Permits

New privately owned U.S. housing units, annualized, thousands

1,221Data 51 days ago
HousingForecast

Rent Inflation

Rent of primary residence, change from a year earlier, %

2.8%Data 51 days ago
HousingForecast

U.S. Homeownership Rate

Share of U.S. households that own their home, %

65.0%Data to Apr 2026
HousingForecast

House Prices: U.K. and Canada

U.K. average house price and Canada new housing price index, change from a year earlier, %

1.4%Data to Aug 2026
Housing

Home Price Change by State

Change in home prices from a year earlier, FHFA purchase-only index, %: the biggest rises and the weakest states

2.8%Data to Apr 2026

Cookies

We only use essential cookies to keep you signed in and remember your theme. No analytics, no tracking, no ads. See the Privacy Policy for the full read.