Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
VTI vs XHB: how they differ
VTI and XHB hold 1% of their weight in the same names, and VTI returned more over the year.
Vanguard Total Stock Market Index Fund and State Street(R) SPDR(R) S&P(R) Homebuilders ETF.
What they hold in common
By the books each fund has filed, VTI and XHB hold 1% of their money in the same securities at the same weight.
| Holding | VTI | XHB |
|---|---|---|
| Home Depot Inc/The | 0.49% | 3.28% |
| Lowe's Cos Inc | 0.17% | 3.03% |
| Carrier Global Corp | 0.08% | 3.20% |
| DR Horton Inc | 0.06% | 3.29% |
| Williams-Sonoma Inc | 0.04% | 3.34% |
| PulteGroup Inc | 0.04% | 3.44% |
| Lennox International Inc | 0.03% | 3.37% |
| NVR Inc | 0.02% | 3.21% |
| Lennar Corp | 0.02% | 2.99% |
| Masco Corp | 0.02% | 3.41% |
| Tempur Sealy International Inc | 0.02% | 3.40% |
| Toll Brothers Inc | 0.02% | 3.52% |
| Only in VTI | Only in XHB |
|---|---|
| NVIDIA Corp 6.37% | Trane Technologies PLC 3.25% |
| Apple Inc 5.88% | Allegion plc 3.22% |
| Microsoft Corp 3.84% | Johnson Controls International plc 3.11% |
| Amazon.com Inc 3.19% | |
| Alphabet Inc 2.90% | |
| Broadcom Inc 2.48% | |
| Alphabet Inc 2.29% | |
| Micron Technology Inc 1.80% |
Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Jun 30, 2026.
| VTI Vanguard Total Stock Market Index Fund | XHB State Street(R) SPDR(R) S&P(R) Homebuilders ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | Vanguard | State Street |
| What it is | US total market | SPDR S&P Homebuilders |
| Total return, 1 year | +17.2% | −16.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −0.3 pts | −34.1 pts |
| Expense ratio | 0.03% | 0.35% |
| Already in the S&P 500 | 88.3% | 45.7% |
| Holdings | 3531 | 35 |
VTI in plain words
VTI is an index equity fund tracking the US total market. Over the year to Sep 11, 2026 it returned +17.2% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.03% a year. By its holdings filed for Jun 30, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 3531 positions, with the top ten at 32.1%.
XHB in plain words
XHB is an index equity fund tracking the SPDR S&P Homebuilders. Over the year to Sep 11, 2026 it returned −16.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.35% a year. By its holdings filed for Jun 30, 2026, 46% of the fund by weight is stocks the S&P 500 also holds, across 35 positions, with the top ten at 35.6%. It sat 20.6% below its high of Oct 18, 2024 on Sep 11, 2026.
Questions people ask
- Which returned more over the last year, VTI or XHB?
- In the year to Sep 12, 2026, with distributions reinvested, VTI returned +17.2% and XHB returned −16.6%, so VTI returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, VTI or XHB?
- VTI charges 0.03% a year and XHB charges 0.35%, so VTI is cheaper. Fees come from each fund's prospectus.
- How much do VTI and XHB overlap with the S&P 500?
- By their latest filed holdings, 88% of VTI and 46% of XHB by weight is stocks the S&P 500 already holds. Between the two funds, 1% of their books are the same securities at the same weight.
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Where these figures came from
ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.
Cite this page. ETFIQ, VTI against XHB, data as of Sep 12, 2026. https://etfiq.com/compare/any/VTI-XHB Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources