Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
XHB vs XLY: how they differ
XHB and XLY hold 10% of their weight in the same names, and XLY returned more over the year.
State Street(R) SPDR(R) S&P(R) Homebuilders ETF and State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, XHB and XLY hold 10% of their money in the same securities at the same weight.
| Holding | XHB | XLY |
|---|---|---|
| Home Depot Inc/The | 3.28% | 5.83% |
| Lowe's Cos Inc | 3.03% | 3.08% |
| DR Horton Inc | 3.29% | 1.07% |
| Williams-Sonoma Inc | 3.34% | 0.68% |
| PulteGroup Inc | 3.44% | 0.65% |
| Lennar Corp | 2.99% | 0.48% |
| NVR Inc | 3.21% | 0.46% |
| Only in XHB | Only in XLY |
|---|---|
| Owens Corning 4.10% | Amazon.com Inc 22.24% |
| Advanced Drainage Systems Inc 3.60% | Tesla Inc 19.66% |
| KB Home 3.56% | McDonald's Corp 4.16% |
| Builders FirstSource Inc 3.56% | TJX Cos Inc/The 3.93% |
| Meritage Homes Corp 3.53% | Booking Holdings Inc 3.44% |
| Toll Brothers Inc 3.52% | Starbucks Corp 2.90% |
| Installed Building Products Inc 3.49% | Marriott International Inc/MD 2.02% |
| Masco Corp 3.41% | Royal Caribbean Cruises Ltd 1.97% |
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.
| XHB State Street(R) SPDR(R) S&P(R) Homebuilders ETF | XLY State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | State Street | State Street |
| What it is | SPDR S&P Homebuilders | Consumer discretionary |
| Total return, 1 year | −16.6% | −4.1% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −34.1 pts | −21.6 pts |
| Expense ratio | 0.35% | 0.08% |
| Already in the S&P 500 | 45.7% | 100.0% |
| Holdings | 35 | 47 |
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.
XLY in plain words
XLY is an index equity fund tracking the Consumer discretionary. Over the year to Sep 11, 2026 it returned −4.1% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.08% a year. By its holdings filed for Jun 30, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 47 positions, with the top ten at 69.2%. It sat 8.9% below its high of Jan 12, 2026 on Sep 11, 2026.
Questions people ask
- Which returned more over the last year, XHB or XLY?
- In the year to Sep 12, 2026, with distributions reinvested, XHB returned −16.6% and XLY returned −4.1%, so XLY returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, XHB or XLY?
- XHB charges 0.35% a year and XLY charges 0.08%, so XLY is cheaper. Fees come from each fund's prospectus.
- How much do XHB and XLY overlap with the S&P 500?
- By their latest filed holdings, 46% of XHB and 100% of XLY by weight is stocks the S&P 500 already holds. Between the two funds, 10% 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, XHB against XLY, data as of Sep 12, 2026. https://etfiq.com/compare/any/XHB-XLY Free to use with attribution; the underlying files are at Open data.
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