Graph and download economic data for Household Debt Service Payments as a Percent of Disposable Personal Income (TDSP) from Q1 1980 to Q2 2025 about disposable, payments, personal income, debt, percent, households, personal, income, services, and USA.

Graph and download economic data for Consumer Debt Service Payments as a Percent of Disposable Personal Income from Q1 1980 to Q2 2025 about disposable, payments, personal income, debt, percent, personal, consumer, income, services, and USA.

This feed provides information about household debt service and financial obligations ratios data from the Federal Reserve Board's FOR release available through the Data Download Program (DDP). The household Debt Service Ratio (DSR) is the ratio of total required household debt payments to total disposable income.The DSR is divided into two parts. The Mortgage DSR is total quarterly required mortgage payments divided by total quarterly disposable personal income. The Consumer DSR is total quarterly scheduled consumer debt payments divided by total quarterly disposable personal income. The Mortgage DSR and the Consumer DSR sum to the DSR.Quarterly values for the Debt Service Ratio are available from 1980 forward.

United States - Household Debt Service Payments as a Percent of Disposable Personal Income was 11.25% in April of 2025, according to the United States Federal Reserve. Historically, United States - Household Debt Service Payments as a Percent of Disposable Personal Income reached a record high of 15.85 in October of 2007 and a record low of 9.08 in January of 2021. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Household Debt Service Payments as a Percent of Disposable Personal Income - last updated from the United States Federal Reserve on December of 2025.

In 2025, the debt services payments to disposable income ratio in the United States was slightly lower than in the previous quarter. That came after a sharp drop of the ratio in 2020 and 2021, which was followed by a rapid increase of the debt service payments, as they represented over 11.25 percent of their personal disposable income in the last quarter of 2025. 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.

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.

Debt service ratios, interest and obligated principal payments on debt, and related statistics for households, Canada.

Concept: Household debt service ratio – Expected household debt payments to disposable income ratio as a quarterly moving average, seasonally adjusted. Household debt – Ratio of total household debt held by financial institutions to disposable income accumulated over the past twelve months. Source: Central Bank of Brazil – Department of Economics ef72dbb7-2505-42b3-b583-210041986129 19879-household-debt-service-ratio---principal---seasonally-adjusted-data

Key information about United States Debt Service Ratio: Households

• United States Debt Service Ratio: Households was reported at 8.000 % in Mar 2025
• This records a decrease from the previous number of 8.100 % for Dec 2024
• US Debt Service Ratio: Households data is updated quarterly, averaging 8.900 % from Mar 1999 to Mar 2025, with 105 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

Household Debt Service Ratio (DSR) (https://fred.stlouisfed.org/series/TDSP) is the ratio of total required household debt payments to total disposable income.

The DSR is divided into two parts. The Mortgage DSR (MDSP) (https://fred.stlouisfed.org/series/MDSP) is total quarterly required mortgage payments divided by total quarterly disposable personal income. The Consumer DSR (CDSP) (https://fred.stlouisfed.org/series/CDSP) is total quarterly scheduled consumer debt payments divided by total quarterly disposable personal income. The Mortgage DSR and the Consumer DSR sum to the DSR.

For questions on the data, please contact the data source (https://www.federalreserve.gov/apps/ContactUs/feedback.aspx?refurl=/releases/housedebt/%). For questions on FRED functionality, please contact us here (https://fred.stlouisfed.org/contactus/).

Concept: Household debt service ratio – Expected household debt payments to disposable income ratio as a quarterly moving average, seasonally adjusted. Household debt – Ratio of total household debt held by financial institutions to disposable income accumulated over the past twelve months. Source: Central Bank of Brazil – Department of Economics 2260140c-3df6-4cff-93ce-48c888fb567c 20399-household-debt-service-ratio-without-mortgage-loans---seasonally-adjusted-data

United States Household Debt Service Ratio: sa: Equifax/FRB: Consumer data was reported at 5.512 % in Dec 2024. This records an increase from the previous number of 5.479 % for Sep 2024. United States Household Debt Service Ratio: sa: Equifax/FRB: Consumer data is updated quarterly, averaging 5.698 % from Mar 2005 (Median) to Dec 2024, with 80 observations. The data reached an all-time high of 7.307 % in Dec 2005 and a record low of 4.306 % in Mar 2021. United States Household Debt Service Ratio: sa: Equifax/FRB: Consumer 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.KB: Household Debt Service Ratio: Seasonally Adjusted.

Brazil Loans: Household Debt: Service Ratio: Seasonally Adjusted data was reported at 19.990 % in Apr 2019. This records an increase from the previous number of 19.960 % for Mar 2019. Brazil Loans: Household Debt: Service Ratio: Seasonally Adjusted data is updated monthly, averaging 20.180 % from Mar 2005 (Median) to Apr 2019, with 170 observations. The data reached an all-time high of 23.040 % in Nov 2011 and a record low of 15.870 % in Mar 2005. Brazil Loans: Household Debt: Service Ratio: Seasonally Adjusted data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Monetary – Table BR.KAB042: Loans: Household Debt. The household debt is determined based on the relationship between monthly amounts to be paid in the service of the debts of households with the National Financial System (SFN) and net income of families of taxes, expressed in Wages Extended Available Impairment income: Relationship between the expected value corresponding to debt service with the National Financial System and the monthly household income payments, seasonally adjusted. Indebtedness: The relationship between the current household indebtedness and the value of their income accumulated in the last twelve months. O comprometimento de renda é apurado com base na relação entre os valores mensais a serem pagos no serviço das dívidas das famílias com o Sistema Financeiro Nacional (SFN) e a renda das famílias líquidas de impostos, expressa na Massa Salarial Ampliada Disponível. Comprometimento de renda: Relação entre o valor correspondente aos pagamentos esperados para o serviço da dívida com o Sistema Financeiro Nacional e a renda mensal das famílias, ajustado sazonalmente. Endividamento: Relação entre o valor atual das dívidas das famílias com o Sistema Financeiro Nacional e a renda das famílias acumulada nos últimos doze meses.

United States Household Debt Service Ratio: sa: Equifax/FRB data was reported at 11.285 % in Dec 2024. This records a decrease from the previous number of 11.313 % for Sep 2024. United States Household Debt Service Ratio: sa: Equifax/FRB data is updated quarterly, averaging 11.768 % from Mar 2005 (Median) to Dec 2024, with 80 observations. The data reached an all-time high of 15.846 % in Dec 2007 and a record low of 9.085 % in Mar 2021. United States Household Debt Service Ratio: sa: Equifax/FRB 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.KB: Household Debt Service Ratio: Seasonally Adjusted.

In the third quarter of 2024, the debt service ratio (DSR) of households in Japan stood at *** percent. The debt service ratio measures debt payments, including interest payments, in relation to the income of households. It serves as an indicator of the financial burden placed on households by borrowing.

Annual household disposable income, debt service ratio and other statistics, by province and territory.

Currently published data series on the United States household debt service ratio are constructed from aggregate household debt data provided by lenders and estimates of the average interest rate and loan terms of a range of credit products. The approach used to calculate those debt service ratios could be prone to missing changes in loan terms. Better measurement of this important indicator of financial health can help policymakers anticipate and react to crises in household finance. We develop and estimate debt service ratio measures based on individual-level debt payments data obtained from credit bureau data and published estimates of disposable personal income. Our results suggest that aggregate debt service ratios may have understated the payment requirements of households. To the extent possible with two very distinct data sources we examine the details on the composition of household debt service and identify some areas where required payments appear to have varied substantially from the assumptions used in the Board of Governors' aggregate calculation. We then use our technique to calculate both national and state-level debt ratios and break these debt service ratios into debt categories at the national, state level, and metro level. This approach should allow detailed forecasts of debt service ratios based on anticipated changes to interest rates and incomes, which could serve to evaluate the ability of households to cope with potential economic shocks. The ability to disaggregate these estimates into geographic regions or age groups could help to identify the severity of the effects on more exposed groups.

Key information about Australia Debt Service Ratio: Households

• Australia Debt Service Ratio: Households was reported at 16.500 % in Mar 2025
• This records a decrease from the previous number of 16.700 % for Dec 2024
• Australia Debt Service Ratio: Households data is updated quarterly, averaging 16.700 % from Mar 1999 to Mar 2025, with 105 observations
• The data reached an all-time high of 18.200 % in Jun 2008 and a record low of 10.000 % in Mar 1999
• Australia 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

Graph and download economic data for Mortgage Debt Service Payments as a Percent of Disposable Personal Income (MDSP) from Q1 1980 to Q2 2025 about disposable, payments, mortgage, personal income, debt, percent, personal, income, services, and USA.

In 2022, the debt service ratio (DSR) of households in Japan stood at *** percent. The debt service ratio measures debt payments, including interest payments, in relation to the income of households. It serves as an indicator of the financial burden placed on households by borrowing.