The Local Commerce Data Series are a battery of measures which provide a place-based view of local spending. Based upon the credit and debit card transactions made by over 40 million de-identified credit and debit card users across 15 major U.S. metro areas, the series provides decision-makers a view into the local commerce activity happening in their cities.

The downloadable data and figures relate growth rates over one and two years and growth contributions for local commerce for 15 metro areas. The “national” view is constructed as the aggregate trend across these 15 areas. For all geographies, growth is broken out by consumer age*, product type (e.g. restaurants), and channel (i.e. online/offline) to help local stakeholders and decision-makers better understand how consumer spending contributes to the economic vibrancy in their cities.

As vaccination rates rise throughout the United States, people are anticipating a “return to normal” in their everyday lives. Until March 2021, the prior year provided a useful baseline for assessing differences to pre-pandemic economic activity. Starting in March 2021, a year-over-year growth measure does not address the question of how local spending compares to pre-pandemic levels. For this reason, we now calculate spending growth compared to both one and two years prior. Presenting growth relative to baselines before and during the COVID-19 pandemic allows us to better contextualize the economic activity we observe. For this reason, we will continue to publish both our year-over-year growth series and our comparison of the latest month to its pre-pandemic counterpart.

We hope that these data and figures can provide a better understanding of current local economic conditions and serve as useful input into decision making processes. Moreover, we hope that this series provides a view into the data that underlie our Cities & Local Communities research, and provide useful context around what forms of inquiries/research we are able to usefully inform. For an example of how our data can be leveraged for decision making, please see our insight "Retail spending response to local conditions during COVID-19" which explores how consumer spending behavior responded to local conditions during the COVID-19 pandemic. Please reach out with any questions, feedback, or inquiries by emailing

For a list of frequently asked questions (and their answers), please visit this link.

* The age breakout is currently delayed due to scheduling issues, but will be updated in future releases.

While all metro areas we track recorded growth relative to March 2020, San Francisco is the only metro area in which spending remains below what is was in March 2019.

Bar graph showing metro area growth rate percentage
month cust_cbsa growth_rate
3/1/2021 Atlanta 27.21285
3/1/2021 Chicago 23.44819
3/1/2021 Columbus 23.93005
3/1/2021 Dallas-Ft. Worth 27.09927
3/1/2021 Denver 15.26003
3/1/2021 Detroit 29.64954
3/1/2021 Houston 21.97238
3/1/2021 Los Angeles 19.61971
3/1/2021 Miami 26.08687
3/1/2021 New York 21.72307
3/1/2021 Phoenix 20.40226
3/1/2021 Portland 19.94659
3/1/2021 San Diego 20.11619
3/1/2021 San Francisco 11.04729
3/1/2021 Seattle 19.17622
3/1/2021 Atlanta 13.56481
3/1/2021 Chicago 8.814053
3/1/2021 Columbus 14.00754
3/1/2021 Dallas-Ft. Worth 14.56053
3/1/2021 Denver 6.243254
3/1/2021 Detroit 17.64086
3/1/2021 Houston 8.715005
3/1/2021 Los Angeles 6.788172
3/1/2021 Miami 13.68063
3/1/2021 New York 4.714262
3/1/2021 Phoenix 17.08245
3/1/2021 Portland 10.95679
3/1/2021 San Diego 8.048742
3/1/2021 San Francisco -5.94442
3/1/2021 Seattle 6.497373

Spending at restaurants and on personal care services is up compared to March 2020 but remains below its 2019 levels. Spending on local leisure and transportation has not seen strong growth compared to last year and remains far below 2019 levels.

Bar graph showing growth rate of different areas of spending
product_type growth_rate growth_calc month
Personal Care Services 49.60315 One YoY 3/1/2021
Professional Consumer Services 34.25299 One YoY 3/1/2021
Local Transportation 3.170753 One YoY 3/1/2021
Local Leisure -1.82084 One YoY 3/1/2021
General Goods 33.31538 One YoY 3/1/2021
Restaurants 46.85598 One YoY 3/1/2021
Pharmacies -15.4373 One YoY 3/1/2021
Groceries -15.2206 One YoY 3/1/2021
Clothing 88.77037 One YoY 3/1/2021
Fuel 22.17539 One YoY 3/1/2021
Home 46.41775 One YoY 3/1/2021
Personal Care Services -18.4479 Two YoY 3/1/2021
Professional Consumer Services 28.55126 Two YoY 3/1/2021
Local Transportation -45.5703 Two YoY 3/1/2021
Local Leisure -19.9693 Two YoY 3/1/2021
General Goods 31.18155 Two YoY 3/1/2021
Restaurants -9.24022 Two YoY 3/1/2021
Pharmacies -5.6387 Two YoY 3/1/2021
Groceries 10.43544 Two YoY 3/1/2021
Clothing 2.326299 Two YoY 3/1/2021
Fuel -4.36628 Two YoY 3/1/2021
Home 43.33721 Two YoY 3/1/2021

Online spending continues to drive spending growth, contributing positively to growth over both one and two years.

Bar graph showing growth contribution between online and offline
growth_contr growth_calc month txn_channel
7.151663 One YoY 3/1/2021 Offline
14.4682 One YoY 3/1/2021 Online
-4.44473 Two YoY 3/1/2021 Offline
12.47112 Two YoY 3/1/2021 Online