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

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.

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 20399-household-debt-service-ratio-without-mortgage-loans---seasonally-adjusted-data 20399-household-debt-service-ratio-without-mortgage-loans---seasonally-adjusted-data

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

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 - Mortgage Debt Service Payments as a Percent of Disposable Personal Income was 5.89% in April 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 October of 2025.

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 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

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

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 ...).

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.

KG: External Debt: DOD: PPG: International Development Association (IDA) data was reported at 666.981 USD mn in 2017. This records an increase from the previous number of 630.599 USD mn for 2016. KG: External Debt: DOD: PPG: International Development Association (IDA) data is updated yearly, averaging 41.475 USD mn from Dec 1970 (Median) to 2017, with 48 observations. The data reached an all-time high of 697.671 USD mn in 2013 and a record low of 0.000 USD mn in 1992. KG: External Debt: DOD: PPG: International Development Association (IDA) data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Kyrgyzstan – Table KG.World Bank.WDI: External Debt: Debt Outstanding, Debt Ratio and Debt Service. Public and publicly guaranteed debt outstanding from the International Development Association (IDA) is concessional. Concessional debt is defined as loans with an original grant element of 25 percent or more. The grant element of a loan is the grant equivalent expressed as a percentage of the amount committed. It is used as a measure of the overall cost of borrowing. The grant equivalent of a loan is its commitment (present) value, less the discounted present value of its contractual debt service; conventionally, future service payments are discounted at 10 percent. Data are in current U.S. dollars.; ; World Bank, International Debt Statistics.; Sum;

EG: External Debt: DOD: Stocks: Concessional data was reported at 26.310 USD bn in 2016. This records an increase from the previous number of 24.516 USD bn for 2015. EG: External Debt: DOD: Stocks: Concessional data is updated yearly, averaging 18.058 USD bn from Dec 1970 (Median) to 2016, with 47 observations. The data reached an all-time high of 26.716 USD bn in 2013 and a record low of 811.712 USD mn in 1971. EG: External Debt: DOD: Stocks: Concessional data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Egypt – Table EG.World Bank: External Debt: Debt Outstanding, Debt Ratio and Debt Service. Concessional external debt conveys information about the borrower's receipt of aid from official lenders at concessional terms as defined by the Development Assistance Committee (DAC) of the OECD. Concessional debt is defined as loans with an original grant element of 25 percent or more. The grant element of a loan is the grant equivalent expressed as a percentage of the amount committed. It is used as a measure of the overall cost of borrowing. The grant equivalent of a loan is its commitment (present) value, less the discounted present value of its contractual debt service; conventionally, future service payments are discounted at 10 percent. Loans from major regional development banks--African Development Bank, Asian Development Bank, and the Inter-American Development Bank--and from the World Bank are classified as concessional according to each institution's classification and not according to the DAC definition, as was the practice in earlier reports. Long-term debt outstanding and disbursed is the total outstanding long-term debt at year end. Long-term external debt is defined as debt that has an original or extended maturity of more than one year and that is owed to nonresidents and repayable in currency, goods, or services. Data are in current U.S. dollars.; ; World Bank, International Debt Statistics.; Sum;

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 ********** amounted to nearly ** 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 ****x. With monetary policy tightening, these loans may encounter refinancing challenges. Approximately ** percent of the total amount of at-risk loans were backed by multifamily properties.

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.

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.