In the first quarter of 2024, the household debt-to-income ratio in the United States differed significantly within the country. The highest household debt-to-income ratio was recorded in Hawaii at ***, and the lowest in the District of Columbia at **** percent, respectively. A ratio of *** means that the household debt in that state was twice larger than their income, while a ratio of less than *** reflects a volume of debt that is smaller than the income of those households.

Graph and download economic data for Household Debt Service Payments as a Percent of Disposable Personal Income (TDSP) from Q1 1980 to Q1 2025 about disposable, payments, personal income, debt, percent, households, personal, income, services, and USA.

In the third quarter of 2024, household debt in the United States amounted to over 71.66 percent of its GDP. It can be generally observed that U.S. households are more indebted by the end of the year than in any other quarter. The debt of households peaked in the last quarter of 2020, reaching the highest value since 2013. Debt to GDP ratio As it can be observed here, the household debt to GDP ratio decreased overall in the recent years. The steady growth of the gross domestic product in the United States could be a factor explaining this tendency. If the volume of debt grows at a slower pace than the GDP, the debt to GDP ratio would decrease. In addition to that, the overall value of mortgage debt in the U.S., which is the most significant component of the household debt, decreased from 2012 to the third quarter of 2014, but it has rebounded since then. Public debt in the U.S. Public debt in the United States, which is the amount of money borrowed by the government to finance budget deficits, has been increasing almost every single year. Not only that, but according to that forecast it is also expected to keep increasing during the coming years. The major holders of American government debt, as of December 2023, were Federal Reserve and government accounts and foreign and international holders. The ratio of national debt to GDP of the United States was higher than that of other major economies, but lower than that of Japan. Some of the lowest debt to GDP ratios were observed in Hong Kong SAR, Kuwait, and Turkmenistan.

This dataset provides values for HOUSEHOLDS DEBT TO INCOME reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

Denmark, the Netherlands, and Norway were among the European countries with most indebted households in 2023 and 2024. The debt of Dutch households amounted to *** percent their disposable income in the 2nd quarter of 2024. Meanwhile, Norwegian households' debt represented *** percent of their income in the 3rd quarter of 2023. However, households in most countries were less indebted, with that ratio amounting to ** percent in the Euro area. Less indebtedness in Western and Northern Europe There were several European countries where household's debts outweighed their disposable income. Most of those countries were North or West European. However, the indebtedness ratio in Denmark has been decreasing during the past decade. As the debt of Danish households represented nearly *** percent in the last quarter of 2014, which has fallen very significantly by 2024. Other countries with indebted households have been following similar trends. The households' debt-to-income ratio in the Netherlands has also fallen from over *** percent in 2013 to *** percent in 2024. Debt per adult in Europe In Europe, the value of debt per adult varies considerably from an average of around 10,000 U.S. dollars in Europe to a much higher level in certain countries such as Switzerland. Debts can be formed in a number of ways. The most common forms of debt include credit cards, medical debt, student loans, overdrafts, mortgages, automobile financing and personal loans.

Graph and download economic data for Large Bank Consumer Mortgage Originations: Original Front-End Debt-to-Income (DTI): 75th Percentile (RCMFLOFEDTIPCT75) from Q3 2012 to Q1 2025 about origination, FR Y-14M, large, percentile, mortgage, debt, consumer, income, banks, depository institutions, and USA.

In 2023, the debt services payments to disposable income ratio in the United States has remained relatively stable. That came after a sharp drop of the ratio in 2021 and 2022, which was followed by a rapid increase of the debt service payments, as they represented over 9.8 percent of their personal disposable income in the last quarter of 2023. In this context, debt service refers to the amount of money that households need to pay up their debts, including the interest rates of their loans and lending.

Attitudes towards savings and debt differ greatly among countries worldwide. While the household debt in Denmark represented a *** percent of their disposable income in 2021, those figures amounted to ** percent in Mexico. Household debt represented a *** percent of disposable income in the UK and *** percent in the U.S..

Key information about United States Debt Service Ratio: Households

• United States Debt Service Ratio: Households was reported at 8.100 % in Sep 2024
• This stayed constant from the previous number of 8.100 % for Jun 2024
• US Debt Service Ratio: Households data is updated quarterly, averaging 9.000 % from Mar 1999 to Sep 2024, with 103 observations
• The data reached an all-time high of 11.600 % in Dec 2007 and a record low of 7.100 % in Mar 2021
• US Debt Service Ratio: Households data remains active status in CEIC and is reported by Bank for International Settlements
• The data is categorized under World Trend Plus’s Association: Banking Sector – Table RC.BIS.DSR: G2 Households (HH) and Non-Profit Institution Serving Households (NPISHs): Quarterly

United States Household Debt Service Ratio: sa data was reported at 9.843 NA in Jun 2018. This records a decrease from the previous number of 9.864 NA for Mar 2018. United States Household Debt Service Ratio: sa data is updated quarterly, averaging 11.285 NA from Mar 1980 (Median) to Jun 2018, with 154 observations. The data reached an all-time high of 13.228 NA in Dec 2007 and a record low of 9.839 NA in Dec 2012. United States Household Debt Service Ratio: sa data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s United States – Table US.KB005: Household Debt Service and Financial Obligations Ratios: Seasonally Adjusted. Household Debt Service Ratio: sa (id: 51016902) is the ratio of total required household debt payments to total disposable income.

The total average non-mortgage debt of Baby Boomers in the United States amounted to nearly 18,470 U.S. dollars in 2024. Debt balances, however, varied greatly according to the generation. The Generation X held the highest debt on average, while the silent generation held the lowest average debt.

The United States recorded a Government Debt to GDP of 124.30 percent of the country's Gross Domestic Product in 2024. This dataset provides - United States Government Debt To GDP - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Negative Equity in U.S. Housing Market

Measuring Home Values, Debt, and Credit Risk

By Zillow Data [source]

About this dataset

This dataset, Negative Equity in the US Housing Market, provides an in-depth look into the negative equity occurring across the United States during this single quarter. Included are metrics such as total amount of negative equity in millions of dollars, total number of homes in negative equity, percentage of homes with mortgages that are in negative equity and more. These data points provide helpful insights into both regional and national trends regarding the prevalence and rate of home mortgage delinquency stemming from a diminishment of value from peak levels.

Home types available for analysis include 'all homes', condos/co-ops, multifamily units containing five or more housing units as well as duplexes/triplexes. Additionally, Cash buyers rates for particular areas can also be determined by referencing this collection. Further metrics such as mortgage affordability rates and impacts on overall indebtedness are readily calculated using information related to Zillow's Home Value Index (ZHVI) forecast methodology and TransUnion data respectively.

Other variables featured within this dataset include characteristics like region type (i.e city, county ..etc), size rank based on population values , percentage change in ZHVI since peak levels as well as loan-to-value ratio greater than 200 across all regions constituted herein (NE). Moreover Zillow's own Secondary Mortgage Market Survey data is utilized to acquire average mortgage quote rates while correlative Census Bureau NCHS median household income figures represent typical assessable proportions between wages and debt obligations . So whether you're looking to assess effects along metro lines or detailed buffering through zip codes , this database should prove sufficient for insightful explorations! Nonetheless users must strictly adhere to all conditions encompassed within Terms Of Use commitments put forth by our lead provider before accessing any resources included herewith

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Research Ideas

• Analyzing regional and state trends in negative equity: Analyze geographic differences in the percentage of mortgages “underwater”, total amount of negative equity, number of homes at least 90 days late, and other key indicators to provide insight into the factors influencing negative equity across regions, states and cities.
• Tracking the recovery rate over time: Track short-term changes in numbers related to negative equity (e.g., region or area ZHVI Change from Peak) to monitor recovery rates over time as well as how different policy interventions are affecting homeownership levels in affected areas.
• Exploring best practices for promoting housing affordability: Compare affordability metrics (e.g., mortgage payments, price-to-income ratios) across different geographic locations over time to identify best practices for empowering homeowners and promoting stability within the housing market while reducing local inequality impacts related to availability of affordable housing options and access to credit markets like mortgages/loans etc

Acknowledgements

If you use this dataset in your research, please credit the original authors. Data Source

License

See the dataset description for more information.

Columns

File: NESummary_2017Q1_Public.csv | Column name | Description | |:------------------------------------------------|:-----------------------------------------------------------------------------------------------------------------------------------| | RegionType | The type of region (e.g., city, county, metro etc.) (String) | | City | Name of the city (String) | | County | Name of the county (String) | | State | Name of the state (String) | | Metro ...

Graph and download economic data for Personal Saving Rate (PSAVERT) from Jan 1959 to Jul 2025 about savings, personal, rate, and USA.

In 2023, households in the United States with delinquent debt over 120 days late owed on average 212 U.S. dollars. Meanwhile, the average borrower with delinquent debt on derogatory owed 659 U.S. dollars. According to that, many debtors with money past its due in the U.S. owed relatively low amounts of money.

Graph and download economic data for Federal government current expenditures: Interest payments (A091RC1Q027SBEA) from Q1 1947 to Q2 2025 about payments, expenditures, federal, government, interest, GDP, and USA.

Graph and download economic data for Household Debt to GDP for Canada (HDTGPDCAQ163N) from Q1 2005 to Q1 2025 about Canada, debt, households, and GDP.

In early 2024, Texas was one of the U.S. states with the highest debt balances from car loans. The car loan debt balance per capita in the United States as a whole was 5,6500 U.S. dollars. That figure is the result of dividing the total debt balance for that type of loan by the number of people living in the U.S., even those who do not have any car loan debt at all. That means that this figure is not representative of the amount of debt that an individual with a car loan has. In fact, the average car loan debt of people with some debt of that type in the U.S. is significantly higher.

This dataset consists of a selection of variables extracted from the U.S. Department of Education's College Scorecard 2015/2016. For the original, raw data visit the College Scorecard webpage. This dataset includes variables about institution types, proportion of degree types awarded, student enrollments and demographics, and a number of price and revenue variables. For 2005-2006 data, see here.Note: Data is not uniformly available for all schools on all variables. Variables for which there is no data (NULL), or where data is suppressed for reasons of privacy, are indicated by 999999999.

ATTRIBUTE DESCRIPTION EXAMPLE

ID2 1

UNITIDUnit ID for institution 100654

OPEID 8-digit OPE ID for institution 100200

OPEID6 6-digit OPE ID for institution 1002

State FIPS

1

State

AL

Zip

35762

City

Normal

Institution Name

Alabama A & M University

Institution Type 1 Public 2 Private nonprofit 3 Private for-profit 1

Institution Level 1 4-year 2 2-year 3 Less-than-2-year 1

In Operation 1 true 0 false 1

Main Campus 1 true 0 false 1

Branches Count of the number of branches 1

Popular Degree 1 Predominantly certificate-degree granting 2 Predominantly associate's-degree granting 3 Predominantly bachelor's-degree granting 4 Entirely graduate-degree granting 3

Highest Degree 0 Non-degree-granting 1 Certificate degree 2 Associate degree 3 Bachelor's degree 4 Graduate degree 4

PCIP01 Percentage of degrees awarded in Agriculture, Agriculture Operations, And Related Sciences. 0.0446

PCIP03 Percentage of degrees awarded in Natural Resources And Conservation. 0.0023

PCIP04 Percentage of degrees awarded in Architecture And Related Services. 0.0094

PCIP05 Percentage of degrees awarded in Area, Ethnic, Cultural, Gender, And Group Studies. 0

PCIP09 Percentage of degrees awarded in Communication, Journalism, And Related Programs. 0

PCIP10 Percentage of degrees awarded in Communications Technologies/Technicians And Support Services. 0.0164

PCIP11 Percentage of degrees awarded in Computer And Information Sciences And Support Services. 0.0634

PCIP12 Percentage of degrees awarded in Personal And Culinary Services. 0

PCIP13 Percentage of degrees awarded in Education. 0.1268

PCIP14 Percentage of degrees awarded in Engineering. 0.1432

PCIP15 Percentage of degrees awarded in Engineering Technologies And Engineering-Related Fields. 0.0587

PCIP16 Percentage of degrees awarded in Foreign Languages, Literatures, And Linguistics. 0

PCIP19 Percentage of degrees awarded in Family And Consumer Sciences/Human Sciences. 0.0188

PCIP22 Percentage of degrees awarded in Legal Professions And Studies. 0

PCIP23 Percentage of degrees awarded in English Language And Literature/Letters. 0.0235

PCIP24 Percentage of degrees awarded in Liberal Arts And Sciences, General Studies And Humanities. 0.0423

PCIP25 Percentage of degrees awarded in Library Science. 0

PCIP26 Percentage of degrees awarded in Biological And Biomedical Sciences. 0.1009

PCIP27 Percentage of degrees awarded in Mathematics And Statistics. 0.0094

PCIP29 Percentage of degrees awarded in Military Technologies And Applied Sciences. 0

PCIP30 Percentage of degrees awarded in Multi/Interdisciplinary Studies. 0

PCIP31 Percentage of degrees awarded in Parks, Recreation, Leisure, And Fitness Studies. 0

PCIP38 Percentage of degrees awarded in Philosophy And Religious Studies. 0

PCIP39 Percentage of degrees awarded in Theology And Religious Vocations. 0

PCIP40 Percentage of degrees awarded in Physical Sciences. 0.0188

PCIP41 Percentage of degrees awarded in Science Technologies/Technicians. 0

PCIP42 Percentage of degrees awarded in Psychology. 0.0282

PCIP43 Percentage of degrees awarded in Homeland Security, Law Enforcement, Firefighting And Related Protective Services. 0.0282

PCIP44 Percentage of degrees awarded in Public Administration And Social Service Professions. 0.0516

PCIP45 Percentage of degrees awarded in Social Sciences. 0.0399

PCIP46 Percentage of degrees awarded in Construction Trades. 0

PCIP47 Percentage of degrees awarded in Mechanic And Repair Technologies/Technicians. 0

PCIP48 Percentage of degrees awarded in Precision Production. 0

PCIP49 Percentage of degrees awarded in Transportation And Materials Moving. 0

PCIP50 Percentage of degrees awarded in Visual And Performing Arts. 0.0258

PCIP51 Percentage of degrees awarded in Health Professions And Related Programs. 0

PCIP52 Percentage of degrees awarded in Business, Management, Marketing, And Related Support Services. 0.1479

PCIP54 Percentage of degrees awarded in History. 0

Admission Rate

0.6538

Average RetentionRate of retention averaged between full-time and part-time students. 0.4428

Retention, Full-Time Students

0.5779

Retention, Part-Time Students

0.3077

Completion Rate

0.1104

Enrollment Number of enrolled students 4505

Male Students Percentage of the student body that is male. 0.4617

Female Students Percentage of the student body that is female. 0.5383

White Percentage of the student body that identifies as white. 0.034

Black Percentage of the student body that identifies as African American. 0.9216

Hispanic Percentage of the student body that identifies as Hispanic or Latino. 0.0058

Asian Percentage of the student body that identifies as Asian. 0.0018

American Indian and Alaskan Native Percentage of the student body that identifies as American Indian or Alaskan Native. 0.0022

Native Hawaiian and Pacific Islander Percentage of the student body that identifies as Native Hawaiian or Pacific islander. 0.0018

Two or More Races Percentage of the student body that identifies as two or more races. 0

Non-Resident Aliens Percentage of the student body that are non-resident aliens. 0.0062

Race Unknown Percentage of the student body for whom racial identity is unknown. 0.0266

Percent Parents no HS Diploma Percentage of parents of students whose highest level of education is less than high school. 0.019298937

Percent Parents HS Diploma Percentage of parents of students whose highest level of education is high school 0.369436786

Percent Parents Post-Secondary Ed. Percentage of parents of students whose highest level of education is college or above. 0.611264277

Title IV Students Percentage of student body identified as Title IV 743

HCM2 Cash Monitoring Schools identified by the Department of Ed for Higher Cash Monitoring Level 2 0

Net Price

13435

Cost of Attendance

20809

In-State Tuition and Fees

9366

Out-of-State Tuition and Fees

17136

Tuition and Fees (Program) Tuition and fees for program-year schools NULL

Tution Revenue per Full-Time Student

9657

Expenditures per Full-Time Student

7941

Average Faculty Salary

7017

Percent of Students with Federal Loan

0.8159

Share of Students with Federal Loan

0.896382157

Share of Students with Pell Grant

0.860906217

Median Loan Principal Amount upon Entering Repayment

14600

Median Debt for Completed Students Median debt for student who completed a course of study 35000

Median Debt for Incompleted Students Median debt for student who did not complete a course of study 9500

Median Debt for Family Income $0K-$30K Median debt for students of families with less thank $30,000 income 14457

Median Debt for Family Income $30K-$75K Median debt for students of families with $30,000-$75,000 income 15000

Median Debt for Family Income over $75K Median debt for students of families with over $75,000 income 14250

Median Debt Female Students

16000

Median Debt Male Students

13750

Median Debt 1st Gen. Students Median debt for first generation college student 14307.5

Median Debt Not 1st Gen. Students Median debt for not first generation college students 14953

Cumulative Loan Debt Greater than 90% of Students (90th Percentile)

48750

Cumulative Loan Debt Greater than 75% of Students (75th Percentile)

32704

Cumulative Loan Debt Greater than 25% of Students (25th Percentile)

5500

Cumulative Loan Debt Greater than 10% of Students (10th Percentile)

3935.5

Accrediting Agency

Southern Association of Colleges and Schools Commission on Colleges

Website

www.aamu.edu/

Price Calculator

www2.aamu.edu/scripts/netpricecalc/npcalc.htm

Latitude

34.783368

Longitude

-86.568502

The home mortgage debt of households and nonprofit organizations amounted to approximately 13.3 trillion U.S. dollars in the first quarter of 2024. Mortgage debt has been growing steadily since 2014, when it was less than 10 billion U.S. dollars and has increased at a faster rate since the beginning of the coronavirus pandemic due to the housing market boom. Home mortgage sector in the United States Home mortgage sector debt in the United States has been steadily growing in recent years and is beginning to come out of a period of great difficulty and problems presented to it by the economic crisis of 2008. For the previous generations in the United States, the real estate market was quite stable. Financial institutions were extending credit to millions of families and allowed them to achieve ownership of their own homes. The growth of the subprime mortgages and, which went some way to contributing to the record of the highest US homeownership rate since records began, meant that many families deemed to be not quite creditworthy were provided the opportunity to purchase homes. The rate of home mortgage sector debt rose in the United States as a direct result of the less stringent controls that resulted from the vetted and extended terms from which loans originated. There was a great deal more liquidity in the market, which allowed greater access to new mortgages. The practice of packaging mortgages into securities, and their subsequent sale into the secondary market as a way of shifting risk, was to be a major factor in the formation of the American housing bubble, one of the greatest contributing factors to the global financial meltdown of 2008.