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Journal Article
Higher interest rates transform housing market, Texas real estate workforce
Dodini, Samuel; Kenney, Jeanna; Haq, Kamran; Dhillon, Isabel (2026-01-07)
A pandemic-era period of relatively low interest rates and rising house prices drew a record number of new real estate agents to the field. Home prices have since remained high, but elevated interest rates and slowing sales have made the industry less attractive.
Southwest Economy

Does Homeownership Provide an Escape from High Rent Burdens?
Tracy, Joseph; Gerardi, Kristopher S.; Frame, W. Scott; Dannels, Sam (2021-01-05)
Many first-time homebuyers—often with little savings and vulnerable to economic shocks—obtain their mortgages through the Federal Housing Authority (FHA) loan program. Often, these borrowers are moving from apartments and have presumably weighed the costs of renting versus owning.
Dallas Fed Economics

Working Paper
The Impact of Labels on Real Asset Valuations
Demyanyk, Yuliya; Lopez, Luis; Tzur-Ilan, Nitzan (2025-01-15)
Expectations and sentiment of economic agents about financial prospects are both the drivers and the leading indicators of economic phenomena. This paper shows that neighborhood labels, frequently used in realtors’ property descriptions, have a causal impact on the demand for housing. Results indicate that appraised values, house prices and rents increased in minority neighborhoods upon removal of neighborhood labels. The underlying mechanism likely works through forming expectations about future growth in housing markets, as documented by the decrease in the rent-to-price ratio and lack of ...
Working Papers , Paper 2504

Newsletter
Higher Home Prices and Higher Rates Mean Bigger Affordability Hurdles for the U.S. Consumer
Gillet, Max; Hull, Cindy E. (2023-08)
In the U.S., homeownership is often described as part of the “American dream,” a way for consumers to accumulate wealth and gain other economic benefits. Almost two out of three U.S. households own the home they live in, a relatively stable amount over the last decade. Buying a home is usually the largest investment that a consumer will make, and the purchase price usually far exceeds what most can afford out of their current savings. In 2022, roughly 70% of home purchases were made with the help of mortgage financing.
Chicago Fed Letter , Volume no 481

Newsletter
What is driving the differences in inflation across U.S. regions?
McGranahan, Leslie; Gupta, Elainia (2023-05)
In this article, we explore differences in inflation dynamics across U.S. regions. Looking independently at the impact of consumption patterns and inflation by expenditure categories, we find that recent gaps across regions have existed largely because of different regional inflation rates for the housing category. Yet we also find that overall inflation is very highly correlated across regions.
Chicago Fed Letter , Volume no 478 , Pages 8

Journal Article
Banking Trends: Estimating Today's Commercial Real Estate Risk
D'Erasmo, Pablo (2019-01)
To survive a decline in commercial real estate prices such as occurred during the financial crisis, how much more capital do banks today need?
Economic Insights , Volume 4 , Issue 1 , Pages 9-15

Journal Article
Bankers, regulators absorb lessons of Silicon Valley Bank failure as new tests emerge
Orrenius, Pia M. (2023-09-29)
Ben Munyan, director of supervisory policy in the Banking Supervision Department at the Federal Reserve Bank of Dallas, discusses the challenges the banking industry faces in an era of rapidly rising interest rates and how Texas institutions have fared.
Southwest Economy

Private Subprime Mortgages Challenged FHA During 2000s Housing Boom
Gerardi, Kristopher S.; Frame, Scott; Sexton, Daniel (2021-05-11)
Considerable research has been devoted to better understanding the meteoric rise of the PLS subprime mortgage market in the early-to-mid 2000s. But an important aspect has been largely ignored: The simultaneous decline in mortgage originations with Federal Housing Administration (FHA) insurance.
Dallas Fed Economics

Tracking the Economic Impact of the Pandemic Using High-Frequency Data
Gascon, Charles S.; Schmitz, Amelia (2020-10-15)
High-frequency data can provide a quicker snapshot of economic conditions than data that take weeks or months to become available.
On the Economy

Journal Article
Downtown Office Use Has Declined, but Some Metropolitan Areas Are Faring Better than Others
Rappaport, Jordan (2024-03-25)
Hybrid working has cut demand for office space, especially in the downtowns of medium and large metropolitan areas. However, the degree of this decline has varied considerably across metropolitan downtowns, with demand remaining solid in many.
Economic Bulletin

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