The numbers behind the market
Rates, inflation, building activity and rents — updated as each source publishes.
10-year Treasury yield
5.00%
+0.98 ptsvs a year agoSource: U.S. Treasury, daily par yield curve · As of Oct 26, 2026
Inflation (CPI-U, year over year)
3.70%
+0.70 ptsvs a year agoSource: U.S. Bureau of Labor Statistics, CPI-U · As of Sep 2026
Housing permits (annual rate)
1.4M
−3.0%vs a year agoSource: U.S. Census Bureau, Building Permits Survey · As of Sep 2026
Typical U.S. rent (Zillow ZORI)
$1,932
+2.7%vs a year agoSource: Data Provided by Zillow Group · As of Sep 2026
Rates
Change vs prior- 30-year fixed7.32%down 0.08 pts
- 15-year fixed6.68%down 0.03 pts
- 10-year Treasury5.00%down 0.15 pts
Loan benchmarks
- 30-Day Average SOFR
- 3.89%up 0.01 ptsOct 26, 2026
- Prime rate
- 7.00%unchanged 0.00 ptsOct 21, 2026
- Construction loans10.43–12.59%—
- Hard money (fix-and-flip)9.99%—
SOFR is rounded to two decimals, and benchmark changes are calculated by Fidelis First. Construction and hard-money figures are survey-based ranges, not quotes.
Source: Freddie Mac Primary Mortgage Market Survey®; U.S. Treasury, daily par yield curve; Federal Reserve Bank of New York, SOFR Averages; Federal Reserve Board, H.15 Selected Interest Rates; NAHB, AD&C Financing Survey; National Private Lenders Association · As of Oct 26, 2026
The 30-Day Average SOFR is subject to the Terms of Use posted at newyorkfed.org. The New York Fed is not responsible for publication of the 30-Day Average SOFR by Fidelis First, does not sanction or endorse any particular republication, and has no liability for your use.
Migration
Census · IRSNet domestic migration by state, 2025
Gaining people
- North Carolina+84.1K people
- Texas+67.3K people
- South Carolina+66.6K people
- Tennessee+42.4K people
- Arizona+31.1K people
- Georgia+27.3K people
Losing people
- Illinois−40K people
- New York−138K people
- California−229K people
Net income moving in by state: movers’ 2022 income, IRS returns filed 2022–23
Gaining income
- Florida+$20.6B in adjusted gross income
- Texas+$5.5B in adjusted gross income
- South Carolina+$4.1B in adjusted gross income
Losing income
- New York−$9.9B in adjusted gross income
- California−$11.9B in adjusted gross income
Source: U.S. Census Bureau, Population Estimates · As of Jul 2025
Source: IRS Statistics of Income, U.S. Population Migration Data
Fidelis First is not affiliated with or endorsed by the Internal Revenue Service.