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How are rising insurance premiums affecting lower-income homeowners?
Rising homeowners insurance premiums are raising overall housing costs and particularly straining lower-income households’ budgets. Learn what Federal Reserve researchers found about these insurance dynamics and some impacts and considerations for lower- and middle-income homeowners.
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Get insights from the Fed’s community development teams and their collaborators.
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![[Watch] Understanding Benefits Cliffs: Evidence, Insights, and Open Questions](https://fedcommunities.org/wp-content/uploads/2026/06/benefits-cliff-connecting-communities.jpg?w=1232)
[Watch] Understanding Benefits Cliffs: Evidence, Insights, and Open Questions
Benefits cliffs can hinder economic mobility when career advancement results in the loss of public benefits. In this Connecting Communities webinar, explore research, innovative pilot programs, and community-driven strategies to help workers, employers, and policy makers navigate these challenges. Watch or listen on demand.
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“We want to know what our businesses need”: Nevada small business center values Fed’s Small Business Credit Survey insights
The Nevada Small Business Development Center gains useful data and insights into what its small-firm clientele needs because of its partnership in the Federal Reserve’s annual Small Business Credit Survey.
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Beyond the household budget: A conversation on the affordability and economics of child care
Child care availability has significant implications for the nation’s economic health. An economist, policy experts, and a Fed researcher share perspectives and considerations related to thinking about child care affordability and how it impacts accessibility.
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Community perspectives and conditions from the Fed’s Beige Book, July 2026
Communities nationwide are dealing with higher costs, limited affordable housing, workforce shifts, and less funding for training. Some workers now value stability more than advancement, while employers focus on hiring candidates with strong soft skills and offer job training.
Explore data and research
From survey findings to dashboards, the Fed’s data can inform collaborative efforts between policymakers, employers, and educators.
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Read more →: 2026 Worker Perspectives Report: When every dollar counts: Inside the economic struggles of workers who earn low to moderate incomes2026 Worker Perspectives Report: When every dollar counts: Inside the economic struggles of workers who earn low to moderate incomes
The Worker Perspectives Report explores how workers are navigating rising costs, limited opportunities, and a challenging job market. To navigate these obstacles they are adapting finances and career plans, while also speaking hopefully about their personal ability to manage uncertainty. In their employment, they prioritize flexibility, work-life balance, and fair pay. Here’s what workers are…
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Read more →: How the Fed studies and understands housing’s key role in the economyHow the Fed studies and understands housing’s key role in the economy
The cost and availability of housing affect family budgets, labor force mobility, business growth, and the health of the economy. Learn how the Fed studies and engages with communities around vital housing trends, challenges, and innovations.
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Read more →: Small business strategies for supporting employee child care needsSmall business strategies for supporting employee child care needs
Small businesses employ nearly half of private-sector workers but often have limited resources to offer benefits like child care. This article examines the prevalence of employer-supported child care and the practical strategies small businesses employ to support working parents.
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Read more →: 2025 Community Perspectives Survey: Insights from the field—Health of entities serving low- and moderate-income communities2025 Community Perspectives Survey: Insights from the field—Health of entities serving low- and moderate-income communities
The second report from the 2025 Community Perspectives Survey highlights how LMI-serving organizations are managing demand, funding, and staffing. While many can meet community needs, challenges like resource strain and adapting to uncertainity are impacting their overall organizational health.