Center for Microeconomic Data

 
SCE Household Spending Survey
Household Spending Growth Decelerates Slightly in April
April Survey: The median year-over-year increase in monthly nominal household spending edged down to 4.6 percent in April 2024, the lowest reading in the series since April 2021, but still well above pre-pandemic levels.
May 20, 2024
Quarterly Report on Household Debt and Credit
Transitions into Serious Delinquency Rise Again in First Quarter
Total household debt rose by $184 billion to reach $17.69 trillion, with mortgage balances increasing by $190 billion. Credit card debt fell, as is typical in the first quarter, but transitions into delinquency rose again for credit cards and auto loans.
May 14, 2024
photo: woman pumping gas into a red car. overlay text 10 Years Measuring Consumer Behavior and Expectations
SURVEY OF CONSUMER EXPECTATIONS
Inflation Expectations Increase at Short- and Longer-Term Horizons
April Survey: Median one-year-ahead inflation expectations increased to 3.3 percent from 3.0 percent. They also increased to 2.8 percent at the five-year-ahead horizon and decreased to 2.8 percent at the three-year horizon.
May 13, 2024
SCE HOUSING SURVEY
Year-Ahead Housing Price Growth Expectations Climb
Annual Survey: One-year-ahead home price growth expectation increased to 5.1 percent in February 2024 from 2.6 percent a year prior. In contrast, the corresponding five-year outlook declined 0.1 percentage point to 2.7 percent.
May 6, 2024
Liberty Street Economics
A Checkup on Homeowners Who Experienced Foreclosure
The Great Recession, with its dramatic housing bust, led to a wave of home foreclosures. CMD researchers look at the long-term impact of these foreclosures to see if those affected have returned to borrowing and homeownership.
May 8, 2024

CREDIT CARDS
Credit card availability and use—including originations, extensions, balances, and delinquencies
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Report: Quarterly Report on Household Debt and Credit
Interactive: Household Debt and Credit
Interactive: SCE Credit Access Survey

HOUSING MARKET
Consumer experiences, behaviors, and expectations in the housing market—including mortgage financing
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Report: The Evolution and Future of Homeownership
Interactive: SCE Housing Survey
Blog: Mortgage Rate Lock-In and Homeowners’ Moving Plans

INFLATION EXPECTATIONS
Consumers’ expectations and forecast uncertainty for overall inflation and home price growth, and expected price changes for key commodities
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Blog: New SCE Charts Include a Measure of Longer-Term Inflation Expectations
Press Release: Consumers Expect Higher Short-Term Inflation and Home Price Growth

STUDENT DEBT
Borrowing and repayment trends in the student loan market
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Blog: Revisiting Federal Student Loan Forgiveness: An Update Based on the White House Plan
Blog: Three Key Facts from the Center for Microeconomic Data’s 2022 Student Loan Update
Report: 2022 Student Loan Update

SAVING AND SPENDING
Data and analysis focused on consumers’ overall financial health, including their ability to save, spend, and borrow
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Blog: Who Received Forbearance Relief?
Blog: An Update on How Households Are Using Stimulus Checks
Interactive: SCE Household Spending Survey

LABOR MARKET
Perceptions of labor market conditions, including the outlook for earnings growth and employment
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Blog: The Disproportionate Effects of COVID-19 on Households with Children
Blog: SCE Labor Market Survey Shows Average Reservation Wage Continues Upward Trend
Interactive: SCE Labor Market Survey

AUTO LOANS
Expectations and experiences with auto loans—including applications and rejections, balances, and delinquencies
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Blog: Car Prices Drive Up Borrowing
Interactive: SCE Credit Access Survey
Interactive: Household Debt and Credit

PUBLIC POLICY
Consumers’ outlook on public policy—likelihood of changes, impact of shifts
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Blog: Consumers Expect Modest Increase in Spending Growth and Continued Government Support
Interactive: SCE Public Policy Survey
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