The spike in grocery prices since 2020 has been one of the most painful elements of pandemic inflation.
But median incomes remain $600 below where they were four years earlier.
About 10 million borrowers were behind on payments as of the end of January, according to a GAO report.
The main driver of the trend is slower population growth, a federal report says.
The quest for money-saving alternatives reflects a rapid run-up in insurance premiums in recent years.
Mortgages at low costs provided U.S. consumers with an extra $600 billion in spending cash since 2022.
The July survey found that 4.4% of respondents expect to lose their jobs in the next four months.
Balances on home equity lines of credit increased for the ninth consecutive quarter.
A growing share of homes have loans closer to the prevailing rate.
The share of people having trouble with their bills is also ticking up.
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