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Official Data Desk
South Florida Real Estate Data & Market Trends
Live capital-market benchmarks, Miami economic indicators and source-aware housing data for professionals evaluating Florida real estate, lending and investment decisions.
U.S. TreasuryFreddie MacBLSFHFAFRED
Daily · Sep 18, 2026 30Y Mortgage 6.95% ▲ 0.19% vs prior observation Percentile rank 94/100 · trailing 10-year history Freddie Mac PMMS via FRED
Weekly · Sep 17, 2026 Miami CPI 370.1 index ▲ 0.4 index vs prior observation Percentile rank 100/100 · trailing 10-year history U.S. Bureau of Labor Statistics via FRED
Monthly · Aug 2026 Miami-Dade Unemployment 2.5% ▼ 0.5% vs prior observation Percentile rank 27/100 · trailing 10-year history U.S. Bureau of Labor Statistics via FRED
Monthly · Jul 2026 Miami House Price Index 666.2 index ▼ 4.4 index vs prior observation Percentile rank 98/100 · trailing 11-year history Federal Housing Finance Agency via FRED
Quarterly · Q2 2026
Mortgage Spread1.94%194 basis points
The difference between the national mortgage average and the 10-year Treasury.
Capital and Credit
The rate signals moving Florida real estate
These official series influence borrowing costs, discount rates, refinancing risk and purchasing power across residential and commercial markets.
Weekly · Official
Open Forecast →30-Year Mortgage Average
Freddie Mac PMMS via FRED · Sep 17, 2026Payment Impact Lab
What today's mortgage rate means in dollars
Translate the current Freddie Mac 30-year fixed average into an estimated monthly principal-and-interest payment. Change the loan amount to compare purchasing-power scenarios.
$
Estimated monthly principal and interest at 6.95%$030-year fixed-rate calculation
Illustrative estimate only. Excludes property taxes, homeowners insurance, mortgage insurance, HOA charges, closing costs and lender-specific pricing. The Freddie Mac survey rate is a national benchmark, not a loan offer.
Miami Economic Pulse
Local costs and employment conditions
Miami inflation and Miami-Dade employment help frame affordability, operating expenses, tenant demand and household formation.
Monthly · Official
View Source →Miami Metro Consumer Price Index
U.S. Bureau of Labor Statistics via FRED · Aug 2026Monthly · Official
View Source →Miami-Dade Unemployment Rate
U.S. Bureau of Labor Statistics via FRED · Jul 2026Housing Value Tracker
Miami and Florida house-price momentum
FHFA indices use transaction and appraisal data to provide a slower-cycle view of residential values across Miami and Florida.
Quarterly · Official
Miami versus Florida House Price Index
Federal Housing Finance Agency via FREDMiami 666.2Florida 825.7
Miami-Miami Beach-KendallFloridaIndexed to 100 at the start of the displayed period
Decision Framework
What the latest data means for the market
The interpretation layer connects official observations to financing, valuation and demand without presenting estimates as official series.
Rates remain the dominant transaction filter
Treasury yields and mortgage spreads continue to shape debt service, cap-rate expectations and refinancing capacity.
Miami inflation is still a property-level variable
Insurance, labor, services and household costs affect affordability, operating budgets and required returns.
Miami-Dade employment remains a core demand signal
Labor-market resilience supports household formation and absorption, while a weaker trend would raise leasing and credit risk.
FHFA indices show the longer-cycle price direction
Quarterly house-price data provide a slower but more durable read on valuation momentum than a single month of listings.
Featured Data Analysis
Florida Hurricane Season 2026: The Real Estate Closing Risks That Peak in September
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Florida Housing Market July 2026: Sales Rise as Inventory Falls
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Miami Pay Trails the U.S. While Living Costs Run 14% Higher
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Miami-Dade TRIM Notices 2026: How to Read Your Tax Estimate and Preserve Appeal Rights
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Data and Trends
Florida Home Prices by County in 2026: Where Values Are Holding Strongest
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Data and Trends
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Florida Posts America’s Highest Foreclosure Rate—but This Is Not 2008
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Miami’s Cost of Living Has Surpassed New York for the First Time
Federal data show the Miami metro has overtaken greater New York on overall price levels for the first time. Housing explains much of the shift, but the viral headline leaves out several critical details.
Quick Answers
Current mortgage-rate and Miami market data questions
Concise answers tied to the latest visible observation, with direct source context for readers, journalists and AI search systems.
The latest Freddie Mac 30-year fixed mortgage average shown on this page is 6.95%, based on the observation dated Sep 17, 2026. It is a national survey benchmark, not a lender quote.
The latest 10-year Treasury observation shown here is 5.01%, dated Sep 18, 2026. Mortgage rates often move in the same broad direction, but the two rates are not identical.
Treasury observations are checked daily, mortgage observations weekly, Miami CPI and unemployment monthly, and FHFA house-price indices quarterly. Each card displays its source, frequency and observation date.
Yes. Use the Download CSV button above each interactive single-series chart. The file contains the observation date and value supplied through the cited institutional series.
The mortgage spread is the difference between the Freddie Mac 30-year fixed average and the 10-year Treasury yield. It reflects lender, credit, prepayment, servicing and market risks beyond the Treasury benchmark.
No. The calculator estimates principal and interest using the national Freddie Mac survey average. It excludes taxes, insurance, mortgage insurance, association charges, fees and borrower-specific pricing.
Track the numbers behind South Florida real estate
Get the Miami Finance Review briefing for mortgage-rate movements, capital-market signals, housing data and source-aware analysis.
Data Methodology
Source first. Date visible. Context before conclusions.
Official series are attributed to the originating institution and displayed with frequency and observation date.
Automated refresh uses cached institutional feeds to protect page speed and preserve the last valid observation during temporary source outages.
Editorial analysis explains possible market effects without representing forecasts or interpretations as official data.