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Housing Affordability Index (HAI) - United States

✓ Published0🌍 Public
NNita
Last edited May 1, 2025
Created on May 1, 2025

This interactive dashboard visualizes housing affordability in the United States from 2022 through early 2025, based on National Association of REALTORS® data. Users toggle between annual bar charts and monthly trend lines, and switch among metrics including median price, mortgage rate, and the Affordability Index. The React app drives a D3.js v7 rendering, using `scaleBand`, `scaleTime`, and `scaleOrdinal` to create scales, `axisBottom` and `axisLeft` for axes, and `transition.attrY` and `attrTween` for animated transitions. Hovering reveals a tooltip with all data values for the selected period.

AI-generated description

Housing Affordability Index (HAI) - United States

This dataset is based on the National Association of REALTORS® (NAR) Housing Affordability Index and includes key economic indicators related to housing affordability in the United States from 2022 through early 2025.

📊 Dataset Summary

Column Description
Year The year or month and year of the record
Median Price Median sales price of an existing single-family home (USD)
Rate Effective mortgage interest rate (%) for a 30-year fixed mortgage
Payment Monthly principal and interest payment (USD)
Payment % Income Percentage of median income spent on housing payment
Median Income Median family income (USD)
Qualifying Income Required income to qualify for a mortgage under a 25% payment-to-income ratio
Affordability Index A higher index indicates more affordable housing (100 = baseline affordability)

🔍 Affordability Index Interpretation

  • 100 = A family earning the median income can exactly afford the median-priced home.
  • >100 = More affordable (family income exceeds required income).
  • <100 = Less affordable (family income is below required income).

📆 Data Highlights

  • Highest affordability in the period: September 2024 (Index = 104.9)
  • Lowest affordability in the period: June 2024 (Index = 91.6)
  • Most expensive median home price: June 2024 ($432,900)
  • Highest monthly payment: June 2024 ($2,304)

📁 File Included

  • housing_affordability_index.csv: Tabular data of housing affordability indicators.

📌 Source

Data provided by:
National Association of REALTORS®
© 2025. All rights reserved.
Use of this data should credit NAR. For reprints, contact: data@realtors.org

MIT Licensed

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