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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 Memory98.50.00Palanor: 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
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macro

U.S. Household Stocks vs Real Estate: Equities Held Directly and Indirectly ÷ Real Estate (Fed Z.1)

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1.37ratio

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Methodology

## What this measures

The market value of corporate equities U.S. households and nonprofit organizations hold directly and indirectly (BOGZ1LM153064475Q), divided by the market value of their real estate (HNOREMV), at each quarter end. A Palanor calculation. Q4 1945 to Q2 2026.

## Why it matters

Stocks against housing, the two pillars of American wealth. Above 1, households have more in the stock market than in their homes and land.

## How to read it

Q2 2026: 1.37. It first reached 1 in Q4 1945; the highest before the latest quarter was 1.24 in Q4 2025.

## What it does not say

Market values, so they move with stock prices. Households and nonprofit organizations are one sector in Z.1 (nonprofits hold a modest share). Indirect holdings follow the Fed’s allocation of pension, mutual fund and insurance assets, an estimate. Real estate includes land and nonprofits’ buildings; mortgage debt is not subtracted from either side.

## Source

Palanor calculation (src/lib/us/extras.ts) from Board of Governors of the Federal Reserve System, Financial Accounts of the United States (Z.1), table B.101.e (balance sheet of households and nonprofit organizations, with equity detail), via FRED (Federal Reserve Bank of St. Louis), series BOGZ1LM153064475Q and HNOREMV. Board data are public domain. Computed daily by us-extras-sync.

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