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Data Library

Every dataset DigitalWealthSource publishes, in one place: 5 original data studies and 3 statistics pages, with 12 CSV files, the method behind each one and a line you can paste to cite it. All of it is free to cite and reuse with attribution.

Updated September 28, 2026. Machine-readable catalog: /data/datasets.json.

Using and citing this data

You may quote, chart and republish these figures and files, in print or online, as long as you credit DigitalWealthSource and link to the source page. Each entry below carries a ready-made citation. The CSV files hold the same numbers as the tables on the pages they come from; when a page is updated, its files are rebuilt from it.

Update schedules differ. The inflation statistics page and the household inflation study are recomputed with every consumer price index release, so their files change monthly; the credit card and student loan statistics follow the New York Fed's quarterly household debt report and federal student aid data; and the original data studies are re-issued once a year. Every file lists figures as they appear on the page, with units in the column headings.

Methods and sources are stated on each page: government data from the Bureau of Labor Statistics, the Federal Reserve, the New York Fed, Federal Student Aid, the Social Security Administration and the IRS, combined in DigitalWealthSource's own analysis. Press summaries and study highlights are on the Research & Data page.

Original data studies

The $100,000 Mirage: What a Six-Figure Salary Is Really Worth in All 50 States

Original computed dataset estimating the after-tax, cost-of-living-adjusted real value of a $100,000 single-filer salary in all 50 states and the District of Columbia. Combines 2024 BEA Regional Price Parities, 2026 federal income-tax brackets and the standard deduction, FICA, and modeled state income-tax effective rates.

Updated 2026-05-20 · All 50 states and DC · refreshed annually · Methodology
⬇ CSV: Real value of $100,000 by state
Cite: DigitalWealthSource, "The $100,000 Mirage: What a Six-Figure Salary Is Really Worth in All 50 States," updated 2026-05-20, https://digitalwealthsource.com/dws-data-study-100k
The Minimum-Payment Trap: How Long Credit-Card Debt Really Takes to Pay Off (2026)

Original computed dataset showing, for eight representative credit-card balances at the 2026 average APR of 21.52%, how long minimum-only payments take, the total interest paid, the payback multiple, and the savings from freezing the payment at today's minimum. Built from standard amortization math.

Updated 2026-05-20 · United States · refreshed annually · Methodology
⬇ CSV: Payoff time and interest by payment strategy
Cite: DigitalWealthSource, "The Minimum-Payment Trap: How Long Credit-Card Debt Really Takes to Pay Off (2026)," updated 2026-05-20, https://digitalwealthsource.com/dws-data-study-minimum-payment-trap
The Savings-Rate Clock: Why Your Savings Rate, Not Your Salary, Decides When You Retire (2026)

Original computed dataset showing the number of years to financial independence (a portfolio equal to 25x annual spending) for savings rates from 5% to 75% of take-home pay, assuming a 5% real return and starting from zero. The result is independent of income level.

Updated 2026-05-20 · United States · refreshed annually · Methodology
⬇ CSV: Years to financial independence by savings rate
Cite: DigitalWealthSource, "The Savings-Rate Clock: Why Your Savings Rate, Not Your Salary, Decides When You Retire (2026)," updated 2026-05-20, https://digitalwealthsource.com/dws-data-study-savings-rate
The Break-Even Age: What Claiming Social Security at 62, 67, or 70 Really Costs (2026)

Original computed dataset showing the Social Security retired-worker benefit as a percentage of the full (primary insurance amount) benefit at each claiming age from 62 to 70 for the full-retirement-age-67 cohort, the monthly and annual benefit on a 2,000-dollar full benefit, the lifetime-dollar break-even age versus claiming at 62, and cumulative benefits collected by ages 80, 85, 90 and 95. Based on SSA actuarial reduction and delayed-retirement-credit factors.

Updated 2026-05-20 · United States · refreshed annually · Methodology
⬇ CSV: Social Security benefits and break-even ages by claiming age
Cite: DigitalWealthSource, "The Break-Even Age: What Claiming Social Security at 62, 67, or 70 Really Costs (2026)," updated 2026-05-20, https://digitalwealthsource.com/dws-data-study-social-security-claiming
Inflation Isn't One Number: Personal Inflation by Household Type (2026 Data Study)

We priced the spending of 17 household types, from BLS Consumer Expenditure data, at the latest CPI changes. See whose inflation runs hottest, why gasoline drives every group, and how to find your own rate.

Updated 2026-09-28 · United States · refreshed monthly, with each CPI release · CPI-U for 2026-08 · Methodology
⬇ CSV: Personal inflation rate by household type  ·  ⬇ CSV: Spending baskets by household type and category
Cite: DigitalWealthSource, "Inflation Isn't One Number: Personal Inflation by Household Type (2026 Data Study)," updated 2026-09-28, https://digitalwealthsource.com/articles/article-inflation-by-household-type
The Rate-Shock Index: What Each Fed Hike Adds to Credit Card Interest in Every State (2026)

What a quarter-point Fed hike adds to credit card interest per person in all 50 states and DC, and what every prime-rate hiking cycle since 1979 would cost at today's balances.

Updated 2026-09-28 · United States (50 states and DC) · refreshed yearly, with the New York Fed's state data each February · Card debt per person: Q4 2025; prime rate: September 2026 · Methodology
⬇ CSV: Rate-Shock Index by state  ·  ⬇ CSV: Prime-rate hiking cycles since 1979
Cite: DigitalWealthSource, "The Rate-Shock Index: What Each Fed Hike Adds to Credit Card Interest in Every State (2026)," updated 2026-09-28, https://digitalwealthsource.com/articles/article-rate-shock-index
The Real Yield Map: After-Tax, After-Inflation Returns on Cash in Every State (2026)

What cash really earns after federal and state tax and 3.4% inflation in all 50 states and DC, at three incomes, and where Treasury bills beat savings accounts by the most.

Updated 2026-09-28 · United States (50 states and DC) · refreshed with new CPI, T-bill and tax data · T-bill rate: Sep 24, 2026; CPI: Aug 2026; 2026 tax brackets · Methodology
⬇ CSV: Real yield by state, single filer earning $100,000  ·  ⬇ CSV: T-bill edge per $10,000 by state and income
Cite: DigitalWealthSource, "The Real Yield Map: After-Tax, After-Inflation Returns on Cash in Every State (2026)," updated 2026-09-28, https://digitalwealthsource.com/articles/article-real-yield-map
The Fraud Map: Internet Crime and Scam Losses per Resident in Every State (2026)

Reported internet crime and scam losses per resident in all 50 states and DC from the FBI's 2025 data, the share lost by people 60 and older, losses by age, and the steps that protect a family.

Updated 2026-09-28 · United States (50 states and DC) · refreshed yearly, with the FBI's Internet Crime Report each spring · FBI IC3 complaints filed in 2025 · Methodology
⬇ CSV: Internet crime losses by state, per resident and 60+ share  ·  ⬇ CSV: Internet crime complaints and losses by age
Cite: DigitalWealthSource, "The Fraud Map: Internet Crime and Scam Losses per Resident in Every State (2026)," updated 2026-09-28, https://digitalwealthsource.com/articles/article-fraud-map

Statistics pages

Credit Card Debt Statistics 2026: Balances, Interest Rates and Delinquency

Americans owed $1.26 trillion on credit cards in mid-2026 across 653.6 million accounts. Balances, interest rates, delinquency by age, state figures and utilization from the New York Fed and the Federal Reserve, with sources and dates.

Updated 2026-09-27 · United States · refreshed quarterly · Methodology
⬇ CSV: Key credit card debt statistics  ·  ⬇ CSV: Credit card debt per person by state
Cite: DigitalWealthSource, "Credit Card Debt Statistics 2026: Balances, Interest Rates and Delinquency," updated 2026-09-27, https://digitalwealthsource.com/data/credit-card-debt-statistics
Student Loan Debt Statistics 2026: Balances, Defaults and Delinquency

Americans owe $1.651 trillion in student loans. 9.3 million federal borrowers are in default and 10.6% of balances are 90+ days late. Figures by age, debt size, repayment plan and state from Federal Student Aid and the New York Fed, with sources and dates.

Updated 2026-09-27 · United States and all 50 states · refreshed quarterly · Methodology
⬇ CSV: Key student loan debt statistics  ·  ⬇ CSV: Federal student loan borrowers, balances and defaults by state
Cite: DigitalWealthSource, "Student Loan Debt Statistics 2026: Balances, Defaults and Delinquency," updated 2026-09-27, https://digitalwealthsource.com/data/student-loan-debt-statistics
Mortgage and Housing Statistics 2026

Mortgage rates (Freddie Mac PMMS), home prices (Census, FHFA), payment-to-income by year, homeownership and household mortgage debt (New York Fed), with a state table of FHFA house price changes.

Updated 2026-09-29 · United States and states · weekly rates (Thursdays); other figures as sources update · Through September 2026 · Methodology
⬇ CSV: Average 30-year mortgage rate by year (Freddie Mac PMMS)  ·  ⬇ CSV: Median new-home price, average rate, monthly principal and interest and payment-to-income by year  ·  ⬇ CSV: FHFA house price change by state (1-year and 5-year)
Cite: DigitalWealthSource, "Mortgage and Housing Statistics 2026," https://digitalwealthsource.com/data/mortgage-housing-statistics
Inflation and Cost-of-Living Statistics 2026

Official U.S. inflation statistics for 2026: the latest CPI, core inflation, every major category, what's driving prices and the cost of living since 2020.

Updated 2026-09-26 · United States · refreshed monthly, with each CPI release · CPI-U for 2026-08 · Methodology
⬇ CSV: Key figures from the latest CPI  ·  ⬇ CSV: CPI weight, 12-month change and contribution by category
Cite: DigitalWealthSource, "Inflation and Cost-of-Living Statistics 2026," updated 2026-09-26, https://digitalwealthsource.com/data/inflation-statistics
Childcare Costs by State: Median Infant and Preschool Prices (DOL National Database of Childcare Prices)

Median annual childcare prices by state for center-based infant care, center-based preschool and home-based infant care, from the Labor Department's National Database of Childcare Prices (latest year per state, mostly 2022), with the data year for each state.

Updated 2026-09-29 · United States (states and D.C.) · when the Labor Department publishes newer NDCP estimates · NDCP 2022 release (latest year per state, 2019-2022) · Methodology
⬇ CSV: Median annual childcare prices by state and setting
Cite: DigitalWealthSource, "Childcare Costs by State," from the U.S. Department of Labor National Database of Childcare Prices, https://digitalwealthsource.com/articles/article-childcare-costs-by-state

For developers and AI systems

The datasets.json catalog lists every dataset with its title, description, page, methodology link, update schedule, file URLs and citation, in one JSON file. The site's llms.txt summarizes the same library for language models, and each dataset is also described in schema.org Dataset markup on this page.

Data Library FAQs

Can I use DigitalWealthSource data in my article or report?

Yes. The figures and CSV files in this library are free to quote, chart and republish, in print or online, with credit to DigitalWealthSource and a link to the source page.

How should I cite a dataset?

Use the citation line under each dataset: the publisher, the page title, the date it was last updated and its URL. For a figure that changes monthly, such as an inflation rate, include the month it refers to.

How often is the data updated?

The inflation statistics and the household inflation study are recomputed with every monthly CPI release. The credit card and student loan statistics are refreshed each quarter as new New York Fed and federal student aid data arrive, and the original studies are re-issued once a year.

Where do the numbers come from?

From government sources, including the Bureau of Labor Statistics, the Federal Reserve, the New York Fed, Federal Student Aid, the Social Security Administration and the IRS, combined in DigitalWealthSource's own analysis. Each page names its sources and explains its method.

Related Topics
Economy, Rates & InflationDebt & CreditStudent Loans & CollegeRetirement & FIRE