{
  "name": "DigitalWealthSource Data Library",
  "url": "https://digitalwealthsource.com/data/",
  "publisher": "DigitalWealthSource",
  "license": "Free to cite and reuse with attribution to DigitalWealthSource and a link to the source page.",
  "license_url": "https://digitalwealthsource.com/terms-of-service",
  "updated": "2026-09-29",
  "note": "CSV files marked exported_from are regenerated from the page tables by _dws-tools/data_export.py.",
  "datasets": [
    {
      "id": "dws-data-study-100k",
      "kind": "original data study",
      "title": "The $100,000 Mirage: What a Six-Figure Salary Is Really Worth in All 50 States",
      "short_title": "The $100,000 Mirage",
      "description": "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.",
      "page": "https://digitalwealthsource.com/dws-data-study-100k",
      "methodology": "https://digitalwealthsource.com/dws-data-study-100k",
      "published": "2026-05-20",
      "updated": "2026-05-20",
      "update_frequency": "annually",
      "geography": "All 50 states and DC",
      "files": [
        {
          "url": "https://digitalwealthsource.com/datasets/dws-data-study-01-100k-by-state-2026.csv",
          "label": "Real value of $100,000 by state",
          "format": "text/csv"
        }
      ],
      "citation": "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"
    },
    {
      "id": "dws-data-study-minimum-payment-trap",
      "kind": "original data study",
      "title": "The Minimum-Payment Trap: How Long Credit-Card Debt Really Takes to Pay Off (2026)",
      "short_title": "The Minimum-Payment Trap",
      "description": "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.",
      "page": "https://digitalwealthsource.com/dws-data-study-minimum-payment-trap",
      "methodology": "https://digitalwealthsource.com/dws-data-study-minimum-payment-trap",
      "published": "2026-05-20",
      "updated": "2026-05-20",
      "update_frequency": "annually",
      "geography": "United States",
      "files": [
        {
          "url": "https://digitalwealthsource.com/datasets/dws-data-study-02-minimum-payment-trap-2026.csv",
          "label": "Payoff time and interest by payment strategy",
          "format": "text/csv"
        }
      ],
      "citation": "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"
    },
    {
      "id": "dws-data-study-savings-rate",
      "kind": "original data study",
      "title": "The Savings-Rate Clock: Why Your Savings Rate, Not Your Salary, Decides When You Retire (2026)",
      "short_title": "The Savings-Rate Clock",
      "description": "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.",
      "page": "https://digitalwealthsource.com/dws-data-study-savings-rate",
      "methodology": "https://digitalwealthsource.com/dws-data-study-savings-rate",
      "published": "2026-05-20",
      "updated": "2026-05-20",
      "update_frequency": "annually",
      "geography": "United States",
      "files": [
        {
          "url": "https://digitalwealthsource.com/datasets/dws-data-study-03-savings-rate-2026.csv",
          "label": "Years to financial independence by savings rate",
          "format": "text/csv"
        }
      ],
      "citation": "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"
    },
    {
      "id": "dws-data-study-social-security-claiming",
      "kind": "original data study",
      "title": "The Break-Even Age: What Claiming Social Security at 62, 67, or 70 Really Costs (2026)",
      "short_title": "The Break-Even Age",
      "description": "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.",
      "page": "https://digitalwealthsource.com/dws-data-study-social-security-claiming",
      "methodology": "https://digitalwealthsource.com/dws-data-study-social-security-claiming",
      "published": "2026-05-20",
      "updated": "2026-05-20",
      "update_frequency": "annually",
      "geography": "United States",
      "files": [
        {
          "url": "https://digitalwealthsource.com/datasets/dws-data-study-04-social-security-claiming-2026.csv",
          "label": "Social Security benefits and break-even ages by claiming age",
          "format": "text/csv"
        }
      ],
      "citation": "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"
    },
    {
      "id": "article-inflation-by-household-type",
      "kind": "original data study",
      "title": "Inflation Isn't One Number: Personal Inflation by Household Type (2026 Data Study)",
      "short_title": "Personal Inflation by Household Type",
      "description": "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.",
      "page": "https://digitalwealthsource.com/articles/article-inflation-by-household-type",
      "methodology": "https://digitalwealthsource.com/articles/article-inflation-by-household-type#method",
      "published": "2026-09-28",
      "updated": "2026-09-28",
      "update_frequency": "monthly, with each CPI release",
      "geography": "United States",
      "reference_period": "CPI-U for 2026-08",
      "files": [
        {
          "url": "https://digitalwealthsource.com/datasets/dws-household-inflation-rates.csv",
          "label": "Personal inflation rate by household type",
          "format": "text/csv",
          "exported_from": {
            "page": "articles/article-inflation-by-household-type.html",
            "table": 1
          }
        },
        {
          "url": "https://digitalwealthsource.com/datasets/dws-household-inflation-baskets.csv",
          "label": "Spending baskets by household type and category",
          "format": "text/csv",
          "exported_from": {
            "page": "articles/article-inflation-by-household-type.html",
            "table": 2
          }
        }
      ],
      "citation": "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"
    },
    {
      "id": "article-rate-shock-index",
      "kind": "original data study",
      "title": "The Rate-Shock Index: What Each Fed Hike Adds to Credit Card Interest in Every State (2026)",
      "short_title": "The Rate-Shock Index",
      "description": "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.",
      "page": "https://digitalwealthsource.com/articles/article-rate-shock-index",
      "methodology": "https://digitalwealthsource.com/articles/article-rate-shock-index#method",
      "published": "2026-09-28",
      "updated": "2026-09-28",
      "update_frequency": "yearly, with the New York Fed's state data each February",
      "geography": "United States (50 states and DC)",
      "reference_period": "Card debt per person: Q4 2025; prime rate: September 2026",
      "files": [
        {
          "url": "https://digitalwealthsource.com/datasets/dws-rate-shock-index-by-state.csv",
          "label": "Rate-Shock Index by state",
          "format": "text/csv",
          "exported_from": {
            "page": "articles/article-rate-shock-index.html",
            "table": 1
          }
        },
        {
          "url": "https://digitalwealthsource.com/datasets/dws-prime-rate-hiking-cycles.csv",
          "label": "Prime-rate hiking cycles since 1979",
          "format": "text/csv",
          "exported_from": {
            "page": "articles/article-rate-shock-index.html",
            "table": 2
          }
        }
      ],
      "citation": "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"
    },
    {
      "id": "article-real-yield-map",
      "kind": "original data study",
      "title": "The Real Yield Map: After-Tax, After-Inflation Returns on Cash in Every State (2026)",
      "short_title": "The Real Yield Map",
      "description": "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.",
      "page": "https://digitalwealthsource.com/articles/article-real-yield-map",
      "methodology": "https://digitalwealthsource.com/articles/article-real-yield-map#method",
      "published": "2026-09-28",
      "updated": "2026-09-28",
      "update_frequency": "with new CPI, T-bill and tax data",
      "geography": "United States (50 states and DC)",
      "reference_period": "T-bill rate: Sep 24, 2026; CPI: Aug 2026; 2026 tax brackets",
      "files": [
        {
          "url": "https://digitalwealthsource.com/datasets/dws-real-yield-map-100k.csv",
          "label": "Real yield by state, single filer earning $100,000",
          "format": "text/csv",
          "exported_from": {
            "page": "articles/article-real-yield-map.html",
            "table": 1
          }
        },
        {
          "url": "https://digitalwealthsource.com/datasets/dws-tbill-edge-by-income.csv",
          "label": "T-bill edge per $10,000 by state and income",
          "format": "text/csv",
          "exported_from": {
            "page": "articles/article-real-yield-map.html",
            "table": 2
          }
        }
      ],
      "citation": "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"
    },
    {
      "id": "article-fraud-map",
      "kind": "original data study",
      "title": "The Fraud Map: Internet Crime and Scam Losses per Resident in Every State (2026)",
      "short_title": "The Fraud Map",
      "description": "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.",
      "page": "https://digitalwealthsource.com/articles/article-fraud-map",
      "methodology": "https://digitalwealthsource.com/articles/article-fraud-map#method",
      "published": "2026-09-28",
      "updated": "2026-09-28",
      "update_frequency": "yearly, with the FBI's Internet Crime Report each spring",
      "geography": "United States (50 states and DC)",
      "reference_period": "FBI IC3 complaints filed in 2025",
      "files": [
        {
          "url": "https://digitalwealthsource.com/datasets/dws-fraud-map-by-state.csv",
          "label": "Internet crime losses by state, per resident and 60+ share",
          "format": "text/csv",
          "exported_from": {
            "page": "articles/article-fraud-map.html",
            "table": 1
          }
        },
        {
          "url": "https://digitalwealthsource.com/datasets/dws-fraud-losses-by-age.csv",
          "label": "Internet crime complaints and losses by age",
          "format": "text/csv",
          "exported_from": {
            "page": "articles/article-fraud-map.html",
            "table": 2
          }
        }
      ],
      "citation": "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"
    },
    {
      "id": "credit-card-debt-statistics",
      "kind": "statistics page",
      "title": "Credit Card Debt Statistics 2026: Balances, Interest Rates and Delinquency",
      "short_title": "Credit Card Debt Statistics",
      "description": "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.",
      "page": "https://digitalwealthsource.com/data/credit-card-debt-statistics",
      "methodology": "https://digitalwealthsource.com/data/credit-card-debt-statistics",
      "published": "2026-09-27",
      "updated": "2026-09-27",
      "update_frequency": "quarterly",
      "geography": "United States",
      "files": [
        {
          "url": "https://digitalwealthsource.com/datasets/dws-credit-card-debt-key-statistics.csv",
          "label": "Key credit card debt statistics",
          "format": "text/csv",
          "exported_from": {
            "page": "data/credit-card-debt-statistics.html",
            "table": 0
          }
        },
        {
          "url": "https://digitalwealthsource.com/datasets/dws-credit-card-debt-by-state.csv",
          "label": "Credit card debt per person by state",
          "format": "text/csv",
          "exported_from": {
            "page": "data/credit-card-debt-statistics.html",
            "table": 5
          }
        }
      ],
      "citation": "DigitalWealthSource, \"Credit Card Debt Statistics 2026: Balances, Interest Rates and Delinquency,\" updated 2026-09-27, https://digitalwealthsource.com/data/credit-card-debt-statistics"
    },
    {
      "id": "student-loan-debt-statistics",
      "kind": "statistics page",
      "title": "Student Loan Debt Statistics 2026: Balances, Defaults and Delinquency",
      "short_title": "Student Loan Debt Statistics",
      "description": "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.",
      "page": "https://digitalwealthsource.com/data/student-loan-debt-statistics",
      "methodology": "https://digitalwealthsource.com/data/student-loan-debt-statistics",
      "published": "2026-09-27",
      "updated": "2026-09-27",
      "update_frequency": "quarterly",
      "geography": "United States and all 50 states",
      "files": [
        {
          "url": "https://digitalwealthsource.com/datasets/dws-student-loan-debt-key-statistics.csv",
          "label": "Key student loan debt statistics",
          "format": "text/csv",
          "exported_from": {
            "page": "data/student-loan-debt-statistics.html",
            "table": 0
          }
        },
        {
          "url": "https://digitalwealthsource.com/datasets/dws-student-loan-debt-by-state.csv",
          "label": "Federal student loan borrowers, balances and defaults by state",
          "format": "text/csv",
          "exported_from": {
            "page": "data/student-loan-debt-statistics.html",
            "table": 7
          }
        }
      ],
      "citation": "DigitalWealthSource, \"Student Loan Debt Statistics 2026: Balances, Defaults and Delinquency,\" updated 2026-09-27, https://digitalwealthsource.com/data/student-loan-debt-statistics"
    },
    {
      "id": "inflation-statistics",
      "kind": "statistics page",
      "title": "Inflation and Cost-of-Living Statistics 2026",
      "short_title": "Inflation and Cost-of-Living Statistics",
      "description": "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.",
      "page": "https://digitalwealthsource.com/data/inflation-statistics",
      "methodology": "https://digitalwealthsource.com/data/inflation-statistics",
      "published": "2026-09-26",
      "updated": "2026-09-26",
      "update_frequency": "monthly, with each CPI release",
      "geography": "United States",
      "reference_period": "CPI-U for 2026-08",
      "files": [
        {
          "url": "https://digitalwealthsource.com/datasets/dws-inflation-key-statistics.csv",
          "label": "Key figures from the latest CPI",
          "format": "text/csv",
          "exported_from": {
            "page": "data/inflation-statistics.html",
            "table": 0
          }
        },
        {
          "url": "https://digitalwealthsource.com/datasets/dws-cpi-by-category.csv",
          "label": "CPI weight, 12-month change and contribution by category",
          "format": "text/csv",
          "exported_from": {
            "page": "data/inflation-statistics.html",
            "table": 1
          }
        }
      ],
      "citation": "DigitalWealthSource, \"Inflation and Cost-of-Living Statistics 2026,\" updated 2026-09-26, https://digitalwealthsource.com/data/inflation-statistics"
    },
    {
      "id": "article-childcare-costs-by-state",
      "kind": "data table",
      "title": "Childcare Costs by State: Median Infant and Preschool Prices (DOL National Database of Childcare Prices)",
      "short_title": "Childcare Costs by State",
      "description": "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.",
      "page": "https://digitalwealthsource.com/articles/article-childcare-costs-by-state",
      "methodology": "https://digitalwealthsource.com/articles/article-childcare-costs-by-state",
      "published": "2026-09-29",
      "updated": "2026-09-29",
      "update_frequency": "when the Labor Department publishes newer NDCP estimates",
      "geography": "United States (states and D.C.)",
      "reference_period": "NDCP 2022 release (latest year per state, 2019-2022)",
      "files": [
        {
          "url": "https://digitalwealthsource.com/datasets/dws-childcare-costs-by-state.csv",
          "label": "Median annual childcare prices by state and setting",
          "format": "text/csv",
          "exported_from": {
            "page": "articles/article-childcare-costs-by-state.html",
            "table": 1
          }
        }
      ],
      "citation": "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"
    },
    {
      "id": "mortgage-housing-statistics",
      "kind": "statistics page",
      "title": "Mortgage and Housing Statistics 2026",
      "short_title": "Mortgage and Housing Statistics",
      "description": "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.",
      "page": "https://digitalwealthsource.com/data/mortgage-housing-statistics",
      "methodology": "https://digitalwealthsource.com/data/mortgage-housing-statistics",
      "published": "2026-09-29",
      "updated": "2026-09-29",
      "update_frequency": "weekly rates (Thursdays); other figures as sources update",
      "geography": "United States and states",
      "reference_period": "Through September 2026",
      "files": [
        {
          "url": "https://digitalwealthsource.com/datasets/dws-mortgage-rates-by-year.csv",
          "label": "Average 30-year mortgage rate by year (Freddie Mac PMMS)",
          "format": "text/csv",
          "exported_from": {
            "page": "data/mortgage-housing-statistics.html",
            "table": 1
          }
        },
        {
          "url": "https://digitalwealthsource.com/datasets/dws-mortgage-affordability-by-year.csv",
          "label": "Median new-home price, average rate, monthly principal and interest and payment-to-income by year",
          "format": "text/csv",
          "exported_from": {
            "page": "data/mortgage-housing-statistics.html",
            "table": 3
          }
        },
        {
          "url": "https://digitalwealthsource.com/datasets/dws-home-prices-by-state.csv",
          "label": "FHFA house price change by state (1-year and 5-year)",
          "format": "text/csv",
          "exported_from": {
            "page": "data/mortgage-housing-statistics.html",
            "table": 4
          }
        }
      ],
      "citation": "DigitalWealthSource, \"Mortgage and Housing Statistics 2026,\" https://digitalwealthsource.com/data/mortgage-housing-statistics"
    }
  ]
}