Builder Market Pulse
The two numbers behind every pre-sale conversation, updated weekly
SplanAI Builder Market Pulse is a free weekly data hub for small and mid-size US home builders, the owner-operator firms building roughly 10 to 50 homes a year. It tracks the two numbers that shape every pre-sale conversation: the 30-year fixed mortgage rate, taken from Freddie Mac's Primary Mortgage Market Survey as published through FRED (series MORTGAGE30US), and single-family building-permit activity in ten builder-heavy metros, Raleigh, Nashville, Austin, Dallas–Fort Worth, Charlotte, Boise, Phoenix, Atlanta, Tampa, and Jacksonville, from the U.S. Census Bureau Building Permits Survey via FRED. Each metro page turns the current rate into a monthly-payment table for homes priced $300,000 to $800,000 with 20% down. Every figure names its source and as-of date, updates weekly, and anything we cannot source is marked n/a rather than estimated. Anonymized SplanAI demand data appears only once a metro reaches at least ten samples, labeled with the sample count.
What a monthly payment looks like this week
30-year fixed average this week: 6.55% (as of July 16, 2026)
| Home price | 20% down | Loan amount | Monthly P&I |
|---|---|---|---|
| $300,000 | $60,000 | $240,000 | $1,525/mo |
| $400,000 | $80,000 | $320,000 | $2,033/mo |
| $500,000 | $100,000 | $400,000 | $2,541/mo |
| $600,000 | $120,000 | $480,000 | $3,050/mo |
| $700,000 | $140,000 | $560,000 | $3,558/mo |
| $800,000 | $160,000 | $640,000 | $4,066/mo |
Rate source: Freddie Mac PMMS 30-yr fixed average via FRED series MORTGAGE30US (served by SplanAI's /api/mortgage-rate) · as of July 16, 2026. Payments are principal & interest only on a 30-year fixed loan with 20% down — taxes, insurance, and HOA dues are not included. This is a national average; local quotes vary.
Metro pulse pages
Single-family permit activity per metro (U.S. Census Bureau Building Permits Survey, 1-unit structures, via FRED) plus the payment table above.
Raleigh, NC →
11,296 single-family permits, trailing 12 months (as of May 2026)
Nashville, TN →
12,583 single-family permits, trailing 12 months (as of May 2026)
Austin, TX →
14,524 single-family permits, trailing 12 months (as of May 2026)
Dallas–Fort Worth, TX →
37,354 single-family permits, trailing 12 months (as of May 2026)
Charlotte, NC →
13,731 single-family permits, trailing 12 months (as of May 2026)
Boise, ID →
7,901 single-family permits, trailing 12 months (as of May 2026)
Phoenix, AZ →
22,579 single-family permits, trailing 12 months (as of May 2026)
Atlanta, GA →
21,357 single-family permits, trailing 12 months (as of May 2026)
Tampa, FL →
13,664 single-family permits, trailing 12 months (as of May 2026)
Jacksonville, FL →
9,186 single-family permits, trailing 12 months (as of May 2026)
Weekly builder market digest
The same numbers, in your inbox once a week when the digest launches. We store your address and metro — nothing is sent until then.
SplanAI is my answer to the polished national-builder presentation: three buyer-ready home concepts for your lot, priced with a payment view like the table above — if that would help your pre-sale conversations, try the demo or write me at hello@splanai.com.