US Housing & Real Estate Essentials serves as a central source of housing and real estate data covering the United States. This product provides housing valuation and financing, migration, addresses, points of interest (POI), and income statistics across the US.
Example topics covered:
- Housing market values and appraisals
- Mortgage lending, bankruptcies, and rates
- Change of address requests
- Income levels
- Points of interest and business locations
- Geographic boundaries
You can experiment with the data at:
- https://app.cybersyn.com/fhfa
- https://app.cybersyn.com/irs/
- https://app.cybersyn.com/usps_address_change/
The data is sourced from the Federal Housing Finance Agency (FHFA), USPS, IRS, CFPB, US Census Bureau, National Address Database (NAD), Overture Maps, and Data Commons.
All Cybersyn products follow the EAV (entity, attributes, value) model with a unified schema. Entities are tangible objects (e.g. geography, company). Entities may have characteristics (i.e. descriptors of the entity) in an index table and values (i.e. statistics, measure) in a timeseries table. Data is joinable across all Cybersyn products that have a GEO_ID. Visit docs.cybersyn.com for more details.
The Federal Housing Finance Agency (FHFA) publishes monthly and quarterly reports of housing finance markets.
– Uniform Appraisal Dataset (UAD): Trends found in single family appraisals (home values) collected by Fannie Mae and Freddie Mac. The appraisal statistics may be grouped by neighborhood characteristics, building details, and geographic levels (national, state, Metropolitan Statistical Areas (MSAs), county, and census tract) and is collected for both new purchases and refinances.
– National Mortgage Database (NMDB): Aggregate survey of data made up of 5% of residential mortgages indicating rates of delayed payments, foreclosures and bankruptcies, and forbearance. The data is grouped by geographic levels (national, state, CBSA/MSD level) and includes both Enterprise and non-Enterprise individual mortgages.
– House Price Index (HPI): Repeated-sales index that measures average price changes in repeat sales or refinances on the same properties collected by Fannie Mae and Freddie Mac. The data is useful for estimating changes in house price fluctuations and affordability in specific geographic areas (national, state, CBSA/MSD level).
Address data includes 145M+ residential and commercial addresses covering the United States and Puerto Rico. The geographic data contains Cybersyn’s standardized geographic entities (e.g. cities, counties), relationships between these geographies (e.g. cities contained within counties) and the characteristics of these geographies (e.g. geospatial boundaries, coordinates, abbreviations)
Overture Maps Foundation is an open data project steered by Amazon, Meta, Microsoft, and TomTom that aggregates map data from multiple sources and provides locations of points of interest. The data includes the name, location, and category or type of place or business. POIs can be mapped back to addresses.
The USPS provides the total number of inbound and outbound change of address requests at the zip code level. An individual, family, or business may make a change of address request for mail-forwarding purposes when moving from one mailing address to another.
The IRS publishes aggregated individual income tax statistics and migration data based on annual returns. This data illustrates underlying economic conditions at a zip code and state level as well as measuring population and aggregate income changes between counties and states. It also allows for specific measurement of county-to-county population flow.
The Home Mortgages Disclosure Act (HMDA) requires financial institutions to disclose mortgage data and is reported jointly by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC). Cybersyn’s dataset includes details for every home loan application in the US from financial institutions required to file HMDA reports. Institutions that meet criteria such as certain asset thresholds must report HMDA data.
Original data sources and release frequency can be found at docs.cybersyn.com.
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Disclaimer
The data in this dataset is sourced on docs.cybersyn.com. Links to provider license, terms and disclaimers are provided where appropriate:
Copyright © 2021 OpenAddresses & License: https://github.com/openaddresses/openaddresses/blob/master/LICENSE
Data Commons: https://creativecommons.org/licenses/by/4.0/
Overture Maps Foundation: https://jointdevelopment.org/terms/
Cybersyn is not endorsed by or affiliated with any of these providers.