Economic Calendar: Key Events for Mortgage Rates

Yes, developers can access economic calendar data programmatically through our API.

Mortgage rates respond to economic data because lenders and investors watch for signs of inflation. When economic reports show strong growth or rising prices, rates tend to move higher. When reports show slower growth, rates often improve. You can use this calendar to see what data is coming and plan your rate lock timing.

High impact events move mortgage rates more than other releases. The Federal Reserve's rate decisions, the monthly jobs report, and inflation data (CPI and PCE) are the big three. When you see these on the calendar, pay attention — your rate could change that day.

The Federal Open Market Committee meets eight times per year to set the federal funds rate. While the fed funds rate and mortgage rates are different, the Fed's decisions shape how lenders price mortgages. The Fed also shares guidance about future rate moves, which can affect your rate before changes happen.

CPI (Consumer Price Index) tracks the prices you pay for everyday goods and services. When CPI comes in higher than expected, mortgage rates often rise because lenders expect the Fed to tighten policy. Lower CPI readings can lead to better rates. CPI is released monthly and typically moves markets.

CPI and PCE both measure inflation, but they count things differently. CPI tracks what urban consumers spend money on. PCE (Personal Consumption Expenditures) covers more types of spending and adjusts when people switch to cheaper alternatives. The Fed watches PCE more closely, but both reports move mortgage rates.

The jobs report shows three numbers that matter for rates: how many jobs the economy added, the unemployment rate, and wage growth. Strong job gains and rising wages can push rates higher. Weaker numbers may help rates improve. The report comes out the first Friday of each month at 8:30 AM ET.

Traders and lenders make predictions about upcoming data. When they expect strong numbers, rates may rise before the report. The actual release matters most when it surprises people — rates move based on whether data beats or misses expectations, not just whether the number looks good or bad.

If you want to protect your rate from potential increases, consider locking before high-impact events. If you think data will come in weak and help rates, you might wait.

We update the calendar weekly with data from official sources including the Bureau of Labor Statistics, Federal Reserve, and Census Bureau. Release dates and times come directly from the agencies that publish the reports.