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 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 Consumer Debt Service Payments as a Percent of Disposable Personal Income (CDSP) from Q1 1980 to Q1 2025 about disposable, payments, personal income, debt, percent, personal, consumer, income, services, and USA.

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.

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..

In the 4th quarter of 2024, the debt of households in the United Kingdom amounted to ***** percent of their income. This indicator shows the average level of indebtedness of the general population and their ability to repay their debts. The total value of household debt (total liabilities and loans to households) has increased annually since 2000. Debt to income ratio increased during the pandemic As we have seen here, households have been decreasing their indebtedness levels in the past years. However, the volume of new consumer lending actually soared between 2022 and 2024. Meanwhile, the growth rate of mortgages in the UK has remained lower these past years, but it has also shown an increase on amount of lending.

Indebtedness in Europe The household debt of many countries in Europe as a share of their disposable income in 2024 was over 100 percent. That was mostly the case for Northern and Western European countries, such as Norway, the Netherlands, and Denmark. Germany and Austria were some of the largest exceptions, as they were among the few countries in that part of Europe with households' debt representing less than ** percent of their income.

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

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.

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.

Households Debt in Canada decreased to 171.10 percent of gross income in 2025 from 173.07 percent in 2024. This dataset provides - Canada Households Debt To Income- actual values, historical data, forecast, chart, statistics, economic calendar and news.

United States - Household Debt Service Payments as a Percent of Disposable Personal Income was 11.25% in January 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 September of 2025.

Georgia Households: Debt to Disposable Income Ratio data was reported at 54.572 % in Jun 2018. This records an increase from the previous number of 52.310 % for Mar 2018. Georgia Households: Debt to Disposable Income Ratio data is updated quarterly, averaging 40.786 % from Mar 2012 (Median) to Jun 2018, with 26 observations. The data reached an all-time high of 54.572 % in Jun 2018 and a record low of 20.405 % in Mar 2012. Georgia Households: Debt to Disposable 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.

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.

In 2023, household debt in Japan accounted for around ***** percent of the net disposable income of households. This was the highest share recorded in the last ten years.

Australia Household Finance: Ratio: Debt to Disposable Income data was reported at 181.813 % in Dec 2024. This records a decrease from the previous number of 181.881 % for Sep 2024. Australia Household Finance: Ratio: Debt to Disposable Income data is updated quarterly, averaging 115.018 % from Mar 1977 (Median) to Dec 2024, with 192 observations. The data reached an all-time high of 188.173 % in Jun 2018 and a record low of 33.827 % in Mar 1977. Australia Household Finance: Ratio: Debt to Disposable Income data remains active status in CEIC and is reported by Reserve Bank of Australia. The data is categorized under Global Database’s Australia – Table AU.KB006: Household Finance Ratio.

View quarterly updates and historical trends for US Household Debt Service as Percent of Disposable Income (DISCONTINUED). from United States. Source: Fed…

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 19879-household-debt-service-ratio---principal---seasonally-adjusted-data 19879-household-debt-service-ratio---principal---seasonally-adjusted-data

As of third quarter 2024, South Korea's household debt-to-disposable income ratio stood at ***** percent. It had peaked at ***** percent in the third quarter of 2021 and has gradually declined since then.

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

In the second quarter of 2024, the volume debt accumulated by French households was bigger than their disposable income. Household debt in France amounted to nearly *** percent of their disposable income at that time. This indebtedness ratio has increased since 2007, when it was ** percent. However, several European countries still had much higher household debt ratios than France.