Housing affordability in the UK has worsened notably since 2020, with the share of income spent on mortgage payments rising for first-time and repeat buyers. In 2024, homebuyers spent, on average, 20.5 percent of their income on mortgage payments, up from 16.2 percent in 2020. First-time buyers spent a notably higher percentage than repeat buyers. One of the main factors for the declining affordability is the rising housing costs. House prices have increased rapidly since the COVID-19 pandemic. Mortgage rates have also soared since, leading to notably higher monthly payments.

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.

When comparing the mortgage or rental costs incurred by owners with mortgage, private renters and social renters in England, private renters pay a considerably larger share of their income than the other two groups. While owner occupiers with mortgages paid approximately **** percent of their income on mortgage in 2024, private renters paid ** percent, or more than *********. In terms of average monthly costs, renting a three-bedroom house is more expensive than buying.

In 2023, Italians paid a lower percentage of their monthly income towards mortgage payment compared to the year before. On average, mortgage installments amounted to **** percent of the monthly household income in 2023, down from **** percent the previous year.

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 December of 2025.

Graph and download economic data for Households and Nonprofit Organizations; One-to-Four-Family Residential Mortgages as a Percentage of Disposable Personal Income; Liability, Level (BOGZ1FL153165106Q) from Q4 1946 to Q2 2025 about disposable, nonprofit organizations, mortgage, liabilities, personal income, percent, households, personal, income, housing, and USA.

This statistic shows the share of income spent on mortgage payments in selected metro areas in the Unites States in 2018. In 2018, Los Angeles, California was the third least affordable metro area because **** percent of the median household income was spent on median mortgage payments. For comparison, this is higher than the **** percent homeowners spent, on average, on mortgage payments in the United States in 2018.

Graph and download economic data for Expenditures: Mortgage Interest and Charges by Deciles of Income Before Taxes: Ninth 10 Percent (81st to 90th Percentile) (CXUOWNMORTGLB1510M) from 2014 to 2023 about mortgage, percentile, tax, expenditures, income, interest, and USA.

Distribution of purchase mortgages by debt-to-income ratio for U.S. home buyers in 2024, showing market share across different DTI ranges from less than 20% to more than 50%

As at February 2025, couples aged 25 to 34 years old in Sydney, Australia spent an average of around **** percent of their household income on mortgage repayments for an entry-priced house. In comparison, couples in the same age bracket in Darwin were spending around **** percent of their household income on mortgage repayments for a house.

Mortgage repayments as a percentage of monthly equivalised disposable household income, throughout the house price and income distribution.

Graph and download economic data for Consumer Unit Characteristics: Percent Homeowner with Mortgage by Deciles of Income Before Taxes: Fourth 10 Percent (31st to 40th Percentile) (CXU980230LB1505M) from 2014 to 2023 about consumer unit, homeownership, mortgage, percentile, tax, percent, income, and USA.

Mortgage approval rates by debt-to-income ratio for U.S. home buyers in 2024, showing approval percentages across different DTI ranges from less than 20% to more than 50%

This graph shows the answers to a survey conducted in Italy in 2018. Individuals were asked which proportion of their monthly income they spend on their mortgage/rent. Some ** percent of the respondents said that their mortgage/rent accounts for ********** of their monthly income. Moreover, *** in *** respondents declared that they do not pay any mortgage or rent.

This data layer depicts, by census tract, mortgage payments as a percentage of household income in the past 12 months for the San Francisco Bay Region. The source data, from the United States Census Bureau, has been reprocessed by the Metropolitan Transportation Commission.

To produce this feature set, the Metropolitan Transportation Commission downloaded American Community Survey (ACS) table B25091 to create a feature set representing housing unit mortgage payments as a percentage of household income by the following categories: ● Mortgage less than 30% of household income ● Mortgage is 30.0% to 49.9% of household income ● Mortgage is greater than or equal to 50% of household income

The resulting attribute table had all margin of error fields deleted, housing units without a mortgage fields deleted, percentage fields added, county code field added, jurisdiction name added, and the source field names were changed.

The source table used to develop this feature service is from the United States Census Bureau, 2015-2019 American Community Survey 5-Year Estimates and can be downloaded from https://data.census.gov/cedsci/table?q=B25091%3A%20MORTGAGE%20STATUS%20BY%20SELECTED%20MONTHLY%20OWNER%20COSTS%20AS%20A%20PERCENTAGE%20OF%20HOUSEHOLD%20INCOME%20IN%20THE%20PAST%2012%20MONTHS&g=0400000US06%241500000&tid=ACSDT5Y2019.B25091

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Overview:

Explore the dataset and potentially gain valuable insight into your data science project through interesting features. The dataset was developed for a portfolio optimization graduate project I was working on. The goal was to the monetize risk of company deleveraging by associated with changes in economic data. Applications of the dataset may include. To see the data in action visit my analytics page. Analytics Page & Dashboard and to access all 295,000+ records click here.

• Mortgage-Backed Securities
• Geographic Business Investment
• Real Estate Analysis

For any questions, you may reach us at research_development@goldenoakresearch.com. For immediate assistance, you may reach me on at 585-626-2965. Please Note: the number is my personal number and email is preferred

Statistical Themes:

Note: in total there are 75 fields the following are just themes the fields fall under Home Owner Costs: Sum of utilities, property taxes.

• Second Mortgage: Households with a second mortgage statistics.
• Home Equity Loan: Households with a Home equity Loan statistics.
• Debt: Households with any type of debt statistics.
• Mortgage Costs: Statistics regarding mortgage payments, home equity loans, utilities and property taxes
• Home Owner Costs: Sum of utilities, property taxes statistics
• Gross Rent: Contract rent plus the estimated average monthly cost of utility features
• Gross Rent as Percent of Income Gross rent as the percent of income very interesting
• High school Graduation: High school graduation statistics.
• Population Demographics: Population demographic statistics.
• Age Demographics: Age demographic statistics.
• Household Income: Total income of people residing in the household.
• Family Income: Total income of people related to the householder.

Sources, if you wish to get the data your self :)

2012-2016 ACS 5-Year Documentation was provided by the U.S. Census Reports. Retrieved May 2, 2018, from

• Census estimate, error, and location data
• Census location information

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Providing you the potential to monetize risk and optimize your investment portfolio through quality economic features at unbeatable price. Access all 295,000+ records on an incredibly small scale, see links below for more details:

• Full Dataset: View Full Dataset
• Real Estate Research: View Research

In 2023, the average monthly home loan repayments of working households with housing loan debt in Japan accounted for **** percent of their disposable income. The share of mortgage repayments to disposable income per month increased by *** percentage points.

Expenditure on rent by renters and mortgages by mortgage holders, by region and age from the Living Costs and Food Survey for the financial year ending 2022. Data is presented as a proportion of total expenditure and a proportion of disposable income.

Mortgage Status By Selected Monthly Owner Costs As A Percentage Of Household Income Report based on US Census and American Community Survey Data.

Graph and download economic data for Consumer Unit Characteristics: Percent Homeowner with Mortgage by Income Before Taxes: $10,000 to $14,999 (CXU980230LB0204M) from 1984 to 2015 about consumer unit, homeownership, mortgage, tax, percent, income, and USA.