Graph and download economic data for Household Debt Service Payments as a Percent of Disposable Personal Income from Q1 1980 to Q1 2025 about disposable, payments, debt, personal income, percent, personal, households, services, income, 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.

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 August of 2025.

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

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.

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.

United States Household Debt Service Ratio: sa: Consumer data was reported at 5.603 NA in Jun 2018. This records a decrease from the previous number of 5.611 NA for Mar 2018. United States Household Debt Service Ratio: sa: Consumer data is updated quarterly, averaging 5.681 NA from Mar 1980 (Median) to Jun 2018, with 154 observations. The data reached an all-time high of 6.712 NA in Dec 2001 and a record low of 4.649 NA in Jun 1993. United States Household Debt Service Ratio: sa: Consumer 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: Consumer (id: 301315204) is the total quarterly scheduled consumer debt payments divided by total quarterly disposable personal 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.

Graph and download economic data for from Q1 1980 to Q2 2021 about payments, disposable, personal income, percent, debt, households, personal, services, income, and USA.

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.

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 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.

The debt solution market, valued at $6,606.5 million in 2025, is experiencing robust growth driven by several key factors. Increasing personal and corporate debt levels globally, coupled with rising awareness of debt relief options and the availability of user-friendly online platforms, are fueling market expansion. The preference for debt settlement platforms over traditional methods, due to their efficiency and cost-effectiveness, is a significant driver. Furthermore, the increasing adoption of technology, particularly sophisticated AI-driven debt management tools and mobile applications, is streamlining processes and improving accessibility for consumers. The market is segmented by platform type (debt settlement, service) and application (personal, enterprise), with the personal segment currently dominating due to the substantial volume of consumer debt. Growth is expected to be particularly strong in regions with high levels of household debt and underdeveloped financial literacy, such as parts of Asia-Pacific and South America. However, stringent regulatory environments in certain countries and concerns regarding the ethical implications of some debt relief practices pose challenges to market growth. The competitive landscape is characterized by a mix of established players and emerging fintech companies, driving innovation and competition. This competitive pressure, coupled with increasing regulatory scrutiny, is likely to influence pricing strategies and service offerings in the coming years. The forecast period (2025-2033) anticipates continued expansion, with growth spurred by technological advancements and a rising need for effective debt management solutions. The enterprise segment is expected to witness faster growth compared to the personal segment during the forecast period due to the increasing complexity of corporate debt management and the rise of specialized solutions catering to businesses. Geographically, North America and Europe are likely to maintain significant market share, yet developing economies in Asia-Pacific and South America are anticipated to show substantial growth potential as disposable income rises and awareness of debt management services increases. Strategies for market participants will involve enhancing technological capabilities, improving customer service, and complying with evolving regulatory frameworks. Focusing on transparent and ethical practices will be crucial to sustaining long-term market growth and establishing trust with consumers.