Household Debt Service Ratios
Household Debt Service Ratios RSS Data Download FRED
The release is posted quarterly. The release is not posted on holidays or in the event that the Board is closed.
Release date: March 20, 2026
Household Debt Service Ratios
Household debt service payments as a percentage of disposable personal income; seasonally adjusted| Quarter | DSR | |||
|---|---|---|---|---|
| Total | Mortgage | Consumer | ||
| 2005:1 | 14.80 | 7.50 | 7.30 | |
| 2005:2 | 14.83 | 7.59 | 7.24 | |
| 2005:3 | 15.14 | 7.88 | 7.26 | |
| 2005:4 | 15.03 | 7.72 | 7.31 | |
| 2006:1 | 14.99 | 7.90 | 7.09 | |
| 2006:2 | 15.04 | 8.11 | 6.94 | |
| 2006:3 | 15.37 | 8.34 | 7.03 | |
| 2006:4 | 15.51 | 8.46 | 7.05 | |
| 2007:1 | 15.53 | 8.55 | 6.98 | |
| 2007:2 | 15.63 | 8.72 | 6.92 | |
| 2007:3 | 15.71 | 8.85 | 6.86 | |
| 2007:4 | 15.85 | 8.95 | 6.89 | |
| 2008:1 | 15.78 | 8.91 | 6.86 | |
| 2008:2 | 15.33 | 8.62 | 6.70 | |
| 2008:3 | 15.55 | 8.76 | 6.79 | |
| 2008:4 | 15.72 | 8.83 | 6.90 | |
| 2009:1 | 15.60 | 8.74 | 6.86 | |
| 2009:2 | 15.25 | 8.55 | 6.71 | |
| 2009:3 | 15.09 | 8.41 | 6.68 | |
| 2009:4 | 14.90 | 8.30 | 6.60 | |
| 2010:1 | 14.51 | 8.14 | 6.38 | |
| 2010:2 | 14.07 | 7.93 | 6.14 | |
| 2010:3 | 13.92 | 7.85 | 6.07 | |
| 2010:4 | 13.58 | 7.57 | 6.01 | |
| 2011:1 | 13.31 | 7.50 | 5.81 | |
| 2011:2 | 13.06 | 7.38 | 5.68 | |
| 2011:3 | 12.94 | 7.21 | 5.74 | |
| 2011:4 | 12.75 | 7.06 | 5.69 | |
| 2012:1 | 12.24 | 6.81 | 5.43 | |
| 2012:2 | 12.03 | 6.68 | 5.35 | |
| 2012:3 | 12.08 | 6.62 | 5.46 | |
| 2012:4 | 11.75 | 6.41 | 5.35 | |
| 2013:1 | 12.01 | 6.52 | 5.49 | |
| 2013:2 | 11.79 | 6.41 | 5.39 | |
| 2013:3 | 11.84 | 6.37 | 5.47 | |
| 2013:4 | 11.99 | 6.40 | 5.58 | |
| 2014:1 | 11.88 | 6.38 | 5.50 | |
| 2014:2 | 11.62 | 6.22 | 5.40 | |
| 2014:3 | 11.65 | 6.23 | 5.42 | |
| 2014:4 | 11.63 | 6.15 | 5.49 | |
| 2015:1 | 11.56 | 6.12 | 5.44 | |
| 2015:2 | 11.49 | 6.02 | 5.46 | |
| 2015:3 | 11.61 | 6.05 | 5.55 | |
| 2015:4 | 11.74 | 6.03 | 5.71 | |
| 2016:1 | 11.76 | 6.09 | 5.67 | |
| 2016:2 | 11.77 | 6.07 | 5.70 | |
| 2016:3 | 11.77 | 5.99 | 5.78 | |
| 2016:4 | 11.87 | 5.99 | 5.88 | |
| 2017:1 | 11.72 | 5.98 | 5.74 | |
| 2017:2 | 11.76 | 5.97 | 5.79 | |
| 2017:3 | 11.82 | 5.98 | 5.84 | |
| 2017:4 | 11.82 | 5.94 | 5.87 | |
| 2018:1 | 11.64 | 5.92 | 5.72 | |
| 2018:2 | 11.60 | 5.88 | 5.71 | |
| 2018:3 | 11.62 | 5.91 | 5.71 | |
| 2018:4 | 11.67 | 5.92 | 5.75 | |
| 2019:1 | 11.50 | 5.84 | 5.66 | |
| 2019:2 | 11.63 | 5.93 | 5.69 | |
| 2019:3 | 11.65 | 5.90 | 5.75 | |
| 2019:4 | 11.73 | 5.92 | 5.81 | |
| 2020:1 | 11.59 | 5.92 | 5.68 | |
| 2020:2 | 9.74 | 5.03 | 4.71 | |
| 2020:3 | 10.06 | 5.22 | 4.84 | |
| 2020:4 | 10.39 | 5.40 | 4.99 | |
| 2021:1 | 9.05 | 4.76 | 4.29 | |
| 2021:2 | 9.84 | 5.20 | 4.64 | |
| 2021:3 | 10.01 | 5.29 | 4.72 | |
| 2021:4 | 10.23 | 5.43 | 4.80 | |
| 2022:1 | 10.47 | 5.63 | 4.84 | |
| 2022:2 | 10.68 | 5.69 | 4.99 | |
| 2022:3 | 10.57 | 5.58 | 4.99 | |
| 2022:4 | 10.74 | 5.62 | 5.11 | |
| 2023:1 | 10.56 | 5.58 | 4.99 | |
| 2023:2 | 10.58 | 5.54 | 5.04 | |
| 2023:3 | 10.75 | 5.62 | 5.13 | |
| 2023:4 | 11.10 | 5.64 | 5.46 | |
| 2024:1 | 11.06 | 5.66 | 5.40 | |
| 2024:2 | 11.02 | 5.70 | 5.32 | |
| 2024:3 | 11.14 | 5.74 | 5.39 | |
| 2024:4 | 11.12 | 5.69 | 5.43 | |
| 2025:1 | 11.11 | 5.76 | 5.34 | |
| 2025:2 | 11.12 | 5.83 | 5.30 | |
| 2025:3 | 11.26 | 5.89 | 5.37 | |
| 2025:4 | 11.32 | 5.92 | 5.40 | |
Last Update: March 20, 2026