[OC] The Real Cost Of A 30y Mortgage (In years of income & $USD (2025))

Hello I am an economist and this is a personal project of mine, all data manipulations were done by me in excel, and data visualization was done using Think-cell & PowerPoint. Original data was from the FRED & BIS. I cannot post links because I am getting autoblocked from posting so I will post the series names at the bottom of my post.

Basically this is the cost of a 30 year mortgage of the "typical housing stock" (BIS Dataset) if every payment was deflated based on the year of the payment. The time periods are personal choices that I found fit the data well, meant to situate the viewer, other events like S&L crisis, could of been used or even a year or to adjusted like 2021.

I added a Disclaimer page with the Methodology and Limitations, because no research is perfect. It is not peer reviewed so I will leave a link in the comments to my data set.

Also I made a video on this more in detail on my YT channel, and even a short where i showed how the research is done, I will post the link in the comments.

Graph 3 :

• (FRED) 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US)
• (FRED) 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US)

Other MANIPULATIONS FOR GRPAH 1 & 2

• (FRED) Median Personal Income in the United States (MEPAINUSA646N)
• (FRED)Consumer Price Index for All Urban Consumers: All Items in U.S. City Average (CPIAUCSL)
• (FRED) Consumer Price Index for All Urban Consumers: All Items Less Shelter in U.S. City Average (CUUR0000SA0L2)
• (BIS) United States – Selected residential property prices, Nominal, Index, 2010 = 100 Series key (Q.US.N.628 BIS,WS_SPP,1.0)