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

The mortgage debt service ratio in the United States remained fairly stable in 2024, after recovering from a dip in 2020 and 2021. The ratio measures the mortgage debt service payments as a percentage of disposable personal income during a specific quarter and shows the financial burden placed on households by mortgage borrowing. In the fourth quarter of 2024, the total required mortgage payments amounted to approximately **** percent of disposable personal income. This was substantially lower than the spike recorded during the subprime mortgage crisis.

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 20400-household-debt-without-mortgage-loans 20400-household-debt-without-mortgage-loans

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, debt, personal income, percent, personal, households, services, income, 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.

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

United States Household Debt Service Ratio: sa: Mortgage data was reported at 4.240 NA in Jun 2018. This records a decrease from the previous number of 4.253 NA for Mar 2018. United States Household Debt Service Ratio: sa: Mortgage data is updated quarterly, averaging 5.623 NA from Mar 1980 (Median) to Jun 2018, with 154 observations. The data reached an all-time high of 7.219 NA in Dec 2007 and a record low of 4.240 NA in Jun 2018. United States Household Debt Service Ratio: sa: Mortgage 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: Mortgage (id: 301315104) is the total quarterly required mortgage payments divided by total quarterly disposable personal income.

United States - Mortgage Debt Service Payments as a Percent of Disposable Personal Income was 5.84% in January of 2025, according to the United States Federal Reserve. Historically, United States - Mortgage Debt Service Payments as a Percent of Disposable Personal Income reached a record high of 8.95 in October of 2007 and a record low of 4.37 in January of 1980. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Mortgage Debt Service Payments as a Percent of Disposable Personal Income - last updated from the United States Federal Reserve on August of 2025.

United States Household Debt Service Ratio: sa: Equifax/FRB: Mortgage data was reported at 5.773 % in Dec 2024. This records a decrease from the previous number of 5.834 % for Sep 2024. United States Household Debt Service Ratio: sa: Equifax/FRB: Mortgage data is updated quarterly, averaging 6.131 % from Mar 2005 (Median) to Dec 2024, with 80 observations. The data reached an all-time high of 8.952 % in Dec 2007 and a record low of 4.779 % in Mar 2021. United States Household Debt Service Ratio: sa: Equifax/FRB: Mortgage 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.

Key information about Australia Debt Service Ratio: Households

• Australia Debt Service Ratio: Households was reported at 17.500 % in Sep 2024
• This records an increase from the previous number of 17.400 % for Jun 2024
• Australia Debt Service Ratio: Households data is updated quarterly, averaging 15.300 % from Mar 1999 to Sep 2024, with 103 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

Key information about Canada Debt Service Ratio: Households

• Canada Debt Service Ratio: Households was reported at 14.400 % in Sep 2024
• This records a decrease from the previous number of 14.600 % for Jun 2024
• Canada Debt Service Ratio: Households data is updated quarterly, averaging 12.700 % from Mar 1999 to Sep 2024, with 103 observations
• The data reached an all-time high of 14.600 % in Jun 2024 and a record low of 10.300 % in Jun 2002
• Canada 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

This table contains 16 series, with data for years 1990 - 2012 (not all combinations necessarily have data for all years), and was last released on 2012-10-01. This table contains data described by the following dimensions (Not all combinations are available): Geography (1 items: Canada ...), Seasonal adjustment (2 items: Unadjusted; Seasonally adjusted at annual rates ...), Estimates (8 items: Debt service ratio (DSR); Disposable income; Non-mortgage interest paid; Mortgage interest paid ...).

The allocated balance amount of U.S. commercial real estate (CRE) mortgages at risk as of April 2023 amounted to nearly 88 billion U.S. dollars. The source defines CRE mortgages at risk as loans maturing in the next two years, where the debt service coverage ratio based on net cash flow is less than 1.25x. With monetary policy tightening, these loans may encounter refinancing challenges. Approximately 42 percent of the total amount of at-risk loans were backed by multifamily properties.

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.

Quarterly non-bank outstanding residential mortgages by insurance status, amortization period, total debt service ratio, loan-to-value and, days in arrears, by lender type and number of mortgages, displayed in thousands of dollars, unless otherwise specified.

Key information about United Kingdom Debt Service Ratio: Households

• United Kingdom Debt Service Ratio: Households was reported at 9.000 % in Sep 2024
• This records an increase from the previous number of 8.900 % for Jun 2024
• UK Debt Service Ratio: Households data is updated quarterly, averaging 9.700 % from Mar 1999 to Sep 2024, with 103 observations
• The data reached an all-time high of 13.300 % in Sep 2008 and a record low of 8.900 % in Jun 2024
• UK 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

Poland, Croatia, and Romania were the countries with the highest coverage ratio of non-performing mortgage loans to households in the second quarter of 2023. In Poland, the coverage ratio was almost 68 percent, while in the Netherlands, which was one of the countries with the lowest share of non-performing mortgages, this share was 11.4 percent. The coverage ratio measures the share of non-performing loans covered by provisions and is calculated as the total specific allowances for loans and leases divided by the total gross impaired loans and debt securities.

This table contains 16 series, with data for years 1990 - 2012 (not all combinations necessarily have data for all years), and was last released on 2012-10-01. This table contains data described by the following dimensions (Not all combinations are available): Geography (1 items: Canada ...), Seasonal adjustment (2 items: Unadjusted; Seasonally adjusted at annual rates ...), Estimates (8 items: Debt service ratio (DSR); Disposable income; Non-mortgage interest paid; Mortgage interest paid ...).