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.

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.

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.

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 016207fa-ac57-4ed1-8af5-19162f4e73dc 19881-household-debt-service-ratio---seasonally-adjusted-data

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.

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.

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.

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

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

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.

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/).

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

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.

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

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.

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.

Corresponds to liabilities of loans (F.4) divided by gross disposable income (adjusted for the net change in pension entitlements), expressed as a percentage.

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

Georgia Households: Debt Service & Principle Payments to Income Ratio data was reported at 14.448 % in Jun 2018. This records an increase from the previous number of 14.247 % for Mar 2018. Georgia Households: Debt Service & Principle Payments to Income Ratio data is updated quarterly, averaging 12.327 % from Mar 2012 (Median) to Jun 2018, with 26 observations. The data reached an all-time high of 14.448 % in Jun 2018 and a record low of 9.026 % in Dec 2012. Georgia Households: Debt Service & Principle Payments to Income Ratio data remains active status in CEIC and is reported by National Bank of Georgia . The data is categorized under Global Database’s Georgia – Table GE.KB006: Household Debt.