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 the first quarter of 2024, the household debt-to-income ratio in the United States differed significantly within the country. The highest household debt-to-income ratio was recorded in Hawaii at ***, and the lowest in the District of Columbia at **** percent, respectively. A ratio of *** means that the household debt in that state was twice larger than their income, while a ratio of less than *** reflects a volume of debt that is smaller than the income of those households.

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.

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.

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.

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.

Households Debt in the United States decreased to 68.30 percent of GDP in the first quarter of 2025 from 69.40 percent of GDP in the fourth quarter of 2024. This dataset provides - United States Households Debt To Gdp- actual values, historical data, forecast, chart, statistics, economic calendar and news.

Households Debt in New Zealand increased to 170 percent of gross income in 2025 from 169 percent in 2024. This dataset provides - New Zealand Households Debt To Income- actual values, historical data, forecast, chart, statistics, economic calendar and news.

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.

The debt of Swiss households in 2023 amounted to ***** percent of their disposable income. This ratio in Switzerland has declined slightly in 2023, down from its peak at ****** percent in 2022. Those values were, nevertheless, still much higher than in 2012.

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

Quarterly financial flows and stocks of household credit market debt, consumer credit, non-mortgage loans, and mortgage loans, on a seasonally adjusted basis.

The volume of household debt by Swedish households in the second quarter of 2024 represented ***** percent of its disposable income. This ratio in Sweden has declined since peaking in the fourth quarter of 2021 at ****** percent. The level of household savings in Sweden has also had significant fluctuations in the past years.

Households Debt in Germany decreased to 75.70 percent of gross income in 2024 from 78.16 percent in 2023. This dataset provides - Germany Households Debt To Income- actual values, historical data, forecast, chart, statistics, economic calendar and news.

Households Debt in Canada increased to 171.90 percent of gross income in 2025 from 171.10 percent in 2025. This dataset provides - Canada Households Debt To Income- actual values, historical data, forecast, chart, statistics, economic calendar and news.

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

In 2023, South Korean households' debt-to-gross disposable income ratio was about 186.5 percent. This ratio has been on an overall upward trend over the past few years. Household debt mainly includes loans, primarily home mortgages, and other types of liabilities such as consumer credit (e.g., credit card debt, automobile loans). A ratio above 100 percent indicates that the debt owed is greater than the annual disposable income. According to the source, South Korea had one of the highest household debt-to-income ratios among OECD countries in 2023.

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 19881-household-debt-service-ratio---seasonally-adjusted-data 19881-household-debt-service-ratio---seasonally-adjusted-data

In 2023, South Korean households' debt-to-gross disposable income ratio was about 186.5 percent. This ratio has been on an overall upward trend over the past few years. Household debt mainly includes loans, primarily home mortgages, and other types of liabilities such as consumer credit (e.g., credit card debt, automobile loans). A ratio above 100 percent indicates that the debt owed is greater than the annual disposable income. According to the source, South Korea had one of the highest household debt-to-income ratios among OECD countries in 2023.