Xiaohan Zhang
Xiaohan Zhang is a senior research economist and Community Engagement and Development (CED) research lead at the Federal Reserve Bank of Dallas. In her role with CED, she works on issues related to the formation of human capital, returns to human capital, and household finance.
She has been published in scholarly journals such as Review of Economics and Statistics, World Development and Regional Science and Urban Economics. Her research has been covered by The New York Times, The Wall Street Journal, NPR, Reuters, the Financial Times and Business Insider, among other major outlets.
Zhang holds a PhD in economics from the University of California, Davis. Prior to joining the Dallas Fed, she was an associate professor of economics at California State University, Los Angeles.
- Household Finance Shapes Political Participation: Evidence from Mortgage Refinancing Working PaperNo. 2517 (Revised March 2026, new title)May 2025.
- Renewable energy jobs surge, though data differ on where and by how much Dallas Fed EconomicsAugust 26, 2025.
- Falling rates no assurance of homeowner refinancing binge Dallas Fed EconomicsAugust 14, 2025.
- How valuable is a short-term credential for a job seeker? It’s complicated Dallas Fed CommunitiesAugust 9, 2024.
- Funding to address broadband gaps in the Eleventh District Dallas Fed CommunitiesMay 20, 2024.
- Job seekers with associate degrees likely to benefit from short-term credentials Dallas Fed CommunitiesMay 8, 2024.
- Is federal broadband funding going to states that need it most? Dallas Fed CommunitiesApril 19, 2024.
- Short-term credentials meet growing interest among students, employers Dallas Fed CommunitiesMarch 6, 2024.
- Texas, Louisiana and New Mexico laying groundwork for greater internet connectivity Special ReportAugust 23, 2023.
- Labor market recovery and wage growth unequal across age groups after pandemic Dallas Fed CommunitiesAugust 2, 2023.
- EITC increases labor force participation among married Black mothers Dallas Fed CommunitiesJune 21, 2023.
- COVID-era eviction moratoriums improved financial well-being … while they lasted Dallas Fed EconomicsApril 11, 2023.
- Did expanded Child Tax Credit enable parents in financially vulnerable households to work during pandemic? Dallas Fed CommunitiesFebruary 28, 2023.
- Black workers, mothers leaving early education and child care jobs amid health risks, low pay Dallas Fed CommunitiesAugust 11, 2022.
- Lowest-income workers see accelerated earnings growth during pandemic Dallas Fed CommunitiesAugust 8, 2022.
- Economy's essential early care and education industry recovering but still faces labor shortfall Dallas Fed CommunitiesMay 16, 2022.
- Greater Hispanic outreach can improve take-up of earned income tax credit Dallas Fed CommunitiesMarch 21, 2022.