Graph and download economic data for Household Financial Obligations as a Percent of Disposable Personal Income (DISCONTINUED) (FODSP) from Q1 1980 to Q3 2023 about disposable, personal income, financial, percent, households, personal, 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.

United States Financial Obligations Ratio: sa data was reported at 15.311 NA in Jun 2018. This records a decrease from the previous number of 15.334 NA for Mar 2018. United States Financial Obligations Ratio: sa data is updated quarterly, averaging 16.541 NA from Mar 1980 (Median) to Jun 2018, with 154 observations. The data reached an all-time high of 18.145 NA in Dec 2007 and a record low of 14.898 NA in Dec 2012. United States Financial Obligations 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. Financial Obligations Ratio: sa (id: 51017002) is a broader measure than the Debt Service Ratio. It includes rent payments on tenant-occupied property, auto lease payments, homeowners' insurance, and property tax payments.

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.

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.

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.

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

Debt service ratios for private non-financial sector in the USA, March, 2025 The most recent value is 14.3 percent as of Q1 2025, a decline compared to the previous value of 14.5 percent. Historically, the average for the USA from Q1 2000 to Q1 2025 is 15.64 percent. The minimum of 13.8 percent was recorded in Q1 2021, while the maximum of 18.5 percent was reached in Q3 2007. | TheGlobalEconomy.com

Trends in Debt service ratios for private non-financial sector. The latest data for over 100 countries around the world.

In the third quarter of 2024, the debt service ratio (DSR) of the private non-financial sector in Japan stood at ** percent. The debt service ratio measures debt payments, including interest payments, in relation to the income of borrowers.

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.

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 United States Debt Service Ratio: Private Non-Financial Sector

• United States Debt Service Ratio: Private Non-Financial Sector was reported at 14.300 % in Mar 2025
• This records a decrease from the previous number of 14.500 % for Dec 2024
• US Debt Service Ratio: Private Non-Financial Sector data is updated quarterly, averaging 14.800 % from Mar 1999 to Mar 2025, with 105 observations
• The data reached an all-time high of 18.500 % in Dec 2007 and a record low of 13.800 % in Mar 2021
• US Debt Service Ratio: Private Non-Financial Sector 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: G1 Private Non-Financial Sector (PNF): Quarterly

United States - Debt service ratio Private non-financial sector

Key information about Belgium Debt Service Ratio: Private Non-Financial Sector

• Belgium Debt Service Ratio: Private Non-Financial Sector was reported at 17.700 % in Sep 2024
• This records a decrease from the previous number of 18.100 % for Jun 2024
• Belgium Debt Service Ratio: Private Non-Financial Sector data is updated quarterly, averaging 18.900 % from Mar 1999 to Sep 2024, with 103 observations
• The data reached an all-time high of 22.500 % in Dec 2016 and a record low of 13.700 % in Mar 1999
• Belgium Debt Service Ratio: Private Non-Financial Sector 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: G1 Private Non-Financial Sector (PNF): Quarterly

金融债务比率：季节性调整后在06-01-2018达15.311NA，相较于03-01-2018的15.334NA有所下降。金融债务比率：季节性调整后数据按季更新，03-01-1980至06-01-2018期间平均值为16.541NA，共154份观测结果。该数据的历史最高值出现于12-01-2007，达18.145NA，而历史最低值则出现于12-01-2012，为14.898NA。CEIC提供的金融债务比率：季节性调整后数据处于定期更新的状态，数据来源于Federal Reserve Board，数据归类于全球数据库的美国 – 表 US.KA013：家庭债务清偿业务和债务比率：季节性调整后。

The FR 2835 collects interest rates on loans for new vehicles and loans for other consumer goods and personal expenses from a sample of commercial banks and the FR 2835a collects interest rates, finance charges, and loan balances for credit card accounts from a sample of commercial banks. The data from these reports help the Board analyze current household financial conditions and the implications of these conditions for household spending and, as such, these data provide valuable input to the monetary policymaking process. The data are also used to create aggregate statistics on consumer loan terms that are published in the Federal Reserve's monthly statistical releases G.19 Consumer Credit and G.20 Finance Companies, and in the Federal Reserve Bulletin. Some of the aggregates are used by the Board in the calculation of the aggregate household debt service and financial obligations ratios for the Federal Reserve's quarterly Financial Obligations statistical release and by the Bureau of Economic Analysis to calculate interest paid by households as part of the National Income and Product Accounts.

Debt service ratios for private non-financial sector in Hong Kong, March, 2025 The most recent value is 35.2 percent as of Q1 2025, an increase compared to the previous value of 34.9 percent. Historically, the average for Hong Kong from Q1 2000 to Q1 2025 is 23.9 percent. The minimum of 14.4 percent was recorded in Q3 2004, while the maximum of 37.4 percent was reached in Q1 2024. | TheGlobalEconomy.com

Debt service ratios for private non-financial sector in India, March, 2025 The most recent value is 11.4 percent as of Q1 2025, an increase compared to the previous value of 11.3 percent. Historically, the average for India from Q1 2000 to Q1 2025 is 11.3 percent. The minimum of 7.9 percent was recorded in Q3 2004, while the maximum of 15 percent was reached in Q4 2012. | TheGlobalEconomy.com

Debt service ratios for private non-financial sector in Australia, March, 2025 The most recent value is 21 percent as of Q1 2025, a decline compared to the previous value of 21.1 percent. Historically, the average for Australia from Q1 2000 to Q1 2025 is 20.04 percent. The minimum of 16.4 percent was recorded in Q1 2002, while the maximum of 25 percent was reached in Q2 2008. | TheGlobalEconomy.com