ETF comparison
XHB vs XLY
Both Consumer Discretionary.
State Street SPDR S&P Homebuilders ETF · State Street Consumer Discretionary Select Sector SPDR ETF
Holdings overlap
8 positions appear in both funds. Buying equal dollars of XHB and XLY would leave roughly 9.5% of each dollar exposed to the same underlying securities.
Side by side
State Street Consumer Discretionary Select Sector SPDR ETF
State Street · Consumer Discretionary
Sub-score comparison
Tracking quality isn't part of the composite — see what we don't score for why.
Cost difference
XLY is 27 bps cheaper than XHB. On a $100,000 position that's about $270/yr more in fees for XHB.
Fee figure is the annual expense charged on $100,000. To see how the gap compounds over a multi-decade holding period, open the cost calculator pre-filled with XHB vs XLY.
Top shared holdings
8 shared in total| # | Holding | In XHB | In XLY | Overlap |
|---|---|---|---|---|
| 1 | Lowe's Cos Inc | 3.34% | 3.30% | 3.30% |
| 2 | Home Depot Inc/The | 3.27% | 5.94% | 3.27% |
| 3 | DR Horton Inc | 3.36% | 0.92% | 0.92% |
| 4 | PulteGroup Inc | 3.33% | 0.56% | 0.56% |
| 5 | Williams-Sonoma Inc | 3.43% | 0.54% | 0.54% |
| 6 | Lennar Corp | 3.14% | 0.47% | 0.47% |
| 7 | NVR Inc | 3.48% | 0.46% | 0.46% |
| 8 | State Street Global Advisors | 0.03% | 0.08% | 0.03% |
Only in XHB
28 total- Modine Manufacturing Co 3.77%
- Owens Corning 3.52%
- Allegion plc 3.46%
- Taylor Morrison Home Corp 3.42%
- Johnson Controls International plc 3.39%
- Masco Corp 3.37%
- Trane Technologies PLC 3.37%
- Carrier Global Corp 3.35%
- Toll Brothers Inc 3.33%
- Cavco Industries Inc 3.32%
Only in XLY
41 total- Amazon.com Inc 23.53%
- Tesla Inc 18.97%
- McDonald's Corp 4.49%
- TJX Cos Inc/The 4.41%
- Booking Holdings Inc 3.38%
- Starbucks Corp 2.54%
- O'Reilly Automotive Inc 1.93%
- Marriott International Inc/MD 1.79%
- Ross Stores Inc 1.74%
- Hilton Worldwide Holdings Inc 1.74%
Open XHB or XLY at a brokerage
Both funds trade commission-free at major US brokerages.
Affiliate links — opening an account through these earns PlainIndex a one-time referral. Scoring is computed before any affiliate consideration; see our methodology and funding disclosure.
Holdings overlap is the sum of min(weight_a, weight_b) over positions
matched on ISIN (CUSIP fallback). Methodology: see
/methodology/.
Comparing two funds doesn't endorse swapping one for the other. Tax-lot history, account type, and personal goals matter — PlainIndex publishes data and methodology, not investment advice.