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Housing starts and building permits

Monthly counts of new residential units begun and of permits issued; permits lead starts, and both are among the most rate-sensitive series in the economy.

Housing responds to policy faster than almost anything else because the purchase is financed and the payment depends directly on the mortgage rate. That makes residential construction a classic leading-indicator of the wider cycle.

Permits lead starts by roughly one to three months and are less weather-sensitive, so they are the cleaner signal. Both series are reported as seasonally adjusted annual rates and both carry very wide confidence intervals, so single months should be treated as noise.

Example: permits run at a 1.35 million annualised rate, down from 1.52 million a year earlier. That 11% decline in the pipeline implies construction employment and residential investment will weaken over the following two to three quarters.

Related: home-sales, leading-indicator, mortgage-backed-security, annualised-rate, business-cycle

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