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Money

The www.FedPrimeRate.com Personal Finance Blog and Magazine

Tuesday, July 28, 2026

Consumer Confidence Index (CCI) for JULY 2026

Consumer Confidence Index® (CCI) for this month (July, 2026) was released by The Conference Board®:

================

Predicted: 91.0
  • Actual: 90.8

================

Previous Month (revised): 92.2

  • Change from Previous Month: -1.52% (-1.4 points)
================

The "predicted" figure is what economists were expecting, while the "actual" is the true or real figure.

From Today's Report:

"...Consumer Assessments of the Present Situation Softened for a Third Straight Month

The Conference Board Consumer Confidence Index® decreased by 1.4 points to 90.8 (1985=100) in July, down from an upwardly revised 92.2 in June. The Present Situation Index -- based on consumers’ assessment of current business and labor market conditions -- fell by 3.6 points to 114.9, its third consecutive monthly decline.

The Expectations Index -- based on consumers’ short-term outlook for income, business, and labor market conditions -- remained unchanged at 74.7. The survey period for this month’s preliminary results was July 1–22, encompassing ongoing conflict in the Middle East.

'Consumer confidence moderated slightly in July, continuing a general downward sloping trajectory since late 2021,' said
 Dana M Peterson, Chief Economist, The Conference Board. 'The Present Situation Index was less positive for a third consecutive month while the Expectations Index remained in negative territory.

Consumer appraisals of current business conditions and, to a lesser extent, perceptions of the current labor market both softened. Looking ahead, consumers anticipate little improvement in business conditions over the next six months, but expectations for the labor market were slightly less negative. Expectations for household incomes moderated but remained optimistic overall.'..."
================

Every month, The Conference Board sends a questionnaire to 5,000 U.S. households. Survey participants are polled about their feelings regarding the U.S. economy, current and future, and about their own fiscal circumstances. On average, 3,500 participants complete and return the 5-question survey.

  • The baseline "100" score for the CCI is associated with 1985 survey data.


When consumers feel good about the economy, they tend to do more spending, and vice versa.

Based in New York City, The Conference Board® is a private, not-for-profit organization with a mission to, "create and disseminate knowledge about management and the marketplace to help businesses strengthen their performance and better serve society."

The CCI is usually released on the last Tuesday of the month.

================  

CHART: Consumer Confidence Index® (CCI) JULY 2026 Update
CHART: Consumer Confidence Index® (CCI)
JULY 2026 Update
========================================


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Friday, July 24, 2026

New Home Sales During JUNE 2026

The June, 2026 New Home Sales report was released by the Commerce Department:

------------------------------------------------------

Previous Month (revised): 618,000

  • Actual New Home Sales: 628,000

------------------------------------------------------

  • Change from 1-Month Previous: +10,000 units (+1.62%)

  • Change from 1-Year Previous: -37,000 units (-5.56%)


------------------------------------------------------

Median Price for a New Home
During 
JUNE, 2026: $398,300

  • Change from One-Year Previous: -$10,900 (-2.66%)

 ***************************

Average Price for a New Home
During 
JUNE, 2026: $475,400

  • Change from One-Year Previous: -$33,300 (-6.55%)

------------------------------------------------------
Inventory: 485,000 (-16,000 units / -3.19% Year-on-Year)

  • 9.3 months supply at current sales rate; seasonally‐adjusted estimate.

------------------------------------------------------

================================

CHART: Cost of A Newly Built Home - JUNE, 2026 Update
CHART: Cost of A Newly Built Home

JUNE, 2026 Update

================================


================================

Compiled jointly by the U.S. Commerce Department and the U.S. Department of Housing and Urban Development, the yellow-highlighted figure above is the seasonally adjusted and annualized number of newly-built homes with committed buyers for the indicated month.

The New Home Sales report is watched by economists and investors because it offers insight into the state of the U.S. housing market, and also provides data that can be used to predict sales of large household furniture and appliances like refrigerators, air conditioners, microwave ovens, etc.

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Friday, July 10, 2026

Existing Home Sales During JUNE 2026

Existing Home Sales report for June, 2026 was released by The National Association of REALTORS® (NAR®) this morning:

======================

Previous Month: 4,190,000

  • Actual: 4,090,000
======================

  •  Change from Previous Month-2.39% (-100,000 homes)

  •  Year-on-Year (Y-o-Y)+2.76% (+110,000 homes)
======================

  • Inventory: 1,560,000 homes.
(4.6 months supply | +20,000 [+1.3%] homes Y-o-Y.)

======================

The yellow-highlighted, "actual" figure above represents the preliminary, seasonally adjusted annualized sales count of existing homes, co-ops and condominiums for the indicated month. The "predicted" figure is what economists were expecting, while the "actual" is the true or real figure.

------------------------------------------------------

  • Median Price: $440,600 (New Record-High)

  • Price Change from A Year Ago: +1.83% (+$7,900)

------------------------------------------------------ 

==========

==========

From Today's Report:

"...'The back-and-forth in monthly home sales activity, driven by mild fluctuations in mortgage ratesshows how sensitive home buyers are to affordability conditions,' said NAR Chief Economist Dr. Lawrence Yun. 'However, job gains -- more than half a million since the beginning of the year -- will continue to provide support for the housing market.'

'The median home price has reached an all-time high. Even so, affordability is better than a year ago because wage growth is outpacing home price growth,' Yun continued. 'However, progress on long-term housing affordability could be hampered if inventory growth continues to stall. Without consistent gains in inventory, home prices can accelerate. It is critical to introduce more supply to the market to widen the opportunity for homeownership.'...
"

================== 
   
CHART: 15- & 30-Year Mortgage Rates History, USA
CHART: 15- & 30-Year
Mortgage Rates History, USA


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==================

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Tuesday, June 30, 2026

Consumer Confidence Index (CCI) for JUNE 2026

Consumer Confidence Index® (CCI) for this month (June, 2026) was released by The Conference Board®:

================

Predicted: 92.0
  • Actual: 91.2

================

Previous Month (revised): 90.6

  • Change from Previous Month: +0.66% (+0.6 point)
================

The "predicted" figure is what economists were expecting, while the "actual" is the true or real figure.

From Today's Report:

"...'Consumer confidence inched up in June as falling oil prices in recent weeks provided some relief to consumer inflation fears,' said Dana M Peterson, Chief Economist, The Conference Board.  'Consumer appraisals of current business conditions were slightly more positive compared to last month.

However, perceptions of the current labor market softened measurably as the percentage of consumers saying jobs were ‘hard to get’ rose to 22.5%, the highest level since January 2021 (22.8%).

Moreover, consumers anticipate little change in the labor market six months from now. This was offset by improving expectations for business conditions and incomes.'..."
================

Every month, The Conference Board sends a questionnaire to 5,000 U.S. households. Survey participants are polled about their feelings regarding the U.S. economy, current and future, and about their own fiscal circumstances. On average, 3,500 participants complete and return the 5-question survey.

  • The baseline "100" score for the CCI is associated with 1985 survey data.


When consumers feel good about the economy, they tend to do more spending, and vice versa.

Based in New York City, The Conference Board® is a private, not-for-profit organization with a mission to, "create and disseminate knowledge about management and the marketplace to help businesses strengthen their performance and better serve society."

The CCI is usually released on the last Tuesday of the month.

================  

CHART: Consumer Confidence Index® (CCI) JUNE 2026 Update
CHART: Consumer Confidence Index® (CCI)
JUNE 2026 Update
========================================


=========================================
 

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Wednesday, June 24, 2026

New Home Sales During MAY 2026

The May, 2026 New Home Sales report was released by the Commerce Department:

------------------------------------------------------

Previous Month (revised): 626,000

  • Actual New Home Sales: 580,000

------------------------------------------------------

  • Change from 1-Month Previous: -46,000 units (-7.35%)

  • Change from 1-Year Previous: -42,000 units (-6.75%)


------------------------------------------------------

Median Price for a New Home
During 
MAY, 2026: $424,900

  • Change from One-Year Previous: +$100 (+0.024%)

 ***************************

Average Price for a New Home
During 
MAY, 2026: $540,600

  • Change from One-Year Previous: +$25,800 (+5.01%)

------------------------------------------------------
Inventory: 496,000 (-7,000 units / -1.39% Year-on-Year)

  • 10.3 months supply at current sales rate; seasonally‐adjusted estimate.

------------------------------------------------------

================================

CHART: Cost of A Newly Built Home - MAY 2026 Update
CHART: Cost of A Newly Built Home

MAY, 2026 Update

================================


================================

Compiled jointly by the U.S. Commerce Department and the U.S. Department of Housing and Urban Development, the yellow-highlighted figure above is the seasonally adjusted and annualized number of newly-built homes with committed buyers for the indicated month.

The New Home Sales report is watched by economists and investors because it offers insight into the state of the U.S. housing market, and also provides data that can be used to predict sales of large household furniture and appliances like refrigerators, air conditioners, microwave ovens, etc.

================================

================================

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Sunday, June 14, 2026

Consumer Confidence Index (CCI) for MAY 2026

Consumer Confidence Index® (CCI) for this month (May, 2026) was released by The Conference Board®:

================

Predicted: 92.0
  • Actual: 93.1

================

Previous Month (revised): 93.8

  • Change from Previous Month: -0.75% (-0.7 point)
================

The "predicted" figure is what economists were expecting, while the "actual" is the true or real figure.

From Today's Report:

"...'Consumer confidence edged downward in May as the inflationary impacts of the [invasion of Iran] intensified,' said  Dana M Peterson, Chief Economist, The Conference Board. 'Consumer appraisals of current business conditions and the current labor market were moderately less positive compared to last month.

This was somewhat offset by modest improvements in consumers’ expectations for business conditions and the labor market six months from now. Meanwhile, income expectations eased in May, as those anticipating less income rose.'..."
================

Every month, The Conference Board sends a questionnaire to 5,000 U.S. households. Survey participants are polled about their feelings regarding the U.S. economy, current and future, and about their own fiscal circumstances. On average, 3,500 participants complete and return the 5-question survey.

  • The baseline "100" score for the CCI is associated with 1985 survey data.


When consumers feel good about the economy, they tend to do more spending, and vice versa.

Based in New York City, The Conference Board® is a private, not-for-profit organization with a mission to, "create and disseminate knowledge about management and the marketplace to help businesses strengthen their performance and better serve society."

The CCI is usually released on the last Tuesday of the month.

================  

CHART: Consumer Confidence Index® (CCI)
MAY 2026 Update
========================================


=========================================
 

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Tuesday, June 09, 2026

Existing Home Sales During MAY 2026

Existing Home Sales report for May, 2026 was released by The National Association of REALTORS® (NAR®) this morning:

======================

Previous Month: 4,040,000

  • Actual: 4,170,000
======================

  •  Change from Previous Month+3.22% (+10,000 homes)

  •  Year-on-Year (Y-o-Y)+3.22% (+130,000 homes)
======================

  • Inventory: 1,550,000 homes.
(4.5 months supply | +10,000 [+0.65%] homes Y-o-Y.)

======================

The yellow-highlighted, "actual" figure above represents the preliminary, seasonally adjusted annualized sales count of existing homes, co-ops and condominiums for the indicated month. The "predicted" figure is what economists were expecting, while the "actual" is the true or real figure.

------------------------------------------------------

  • Median Price: $429,300

  • Price Change from A Year Ago: +1.32% (+$5,600)

------------------------------------------------------ 

==========

==========

From Today's Report:

"...'More Americans are on the move, with home sales rising to the highest level since December. This is great news for the housing market and the economy,' said NAR Chief Economist Dr. Lawrence Yun. 'Improving affordability is helping drive this momentum. Even with mortgage rates ticking up compared to earlier in the year, they remain lower than a year ago and are essentially at the long-term historical average. Income gains are also outpacing home price growth by a small margin in most parts of the country.'

'The new record-high May home price reflects solid fundamentals for homeowners and ongoing supply constraints,' Yun said. 'Only 1% of all home sales involved a foreclosure or an underwater situation in which the sale price could not cover the outstanding
mortgage balance. This shows that homeowners are on solid financial footing.'

'Increased home sales mean more economic activity -- lawn care, furniture purchases, moving services, mortgage originations and other related business activities all get a boost,' Yun added...
"

================== 
   
CHART: 15- & 30-Year Mortgage Rates History, USA
CHART: 15- & 30-Year
Mortgage Rates History, USA
 
==================
==================

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