Household Debt Service and Financial Obligations Ratios
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The financial obligations ratio (FOR) adds automobile lease payments, rental payments on tenant-occupied property, homeowners' insurance, and property tax payments to the debt service ratio. |
Homeowner and renter FORs are calculated by applying homeowner and renter shares of payments and income derived from the Survey of Consumer Finances and Current Population Survey to the numerator and denominator of the FOR. |
The homeowner mortgage FOR includes payments on mortgage debt, homeowners' insurance, and property taxes, while the homeowner consumer FOR includes payments on consumer debt and automobile leases. |
NOTE: The 2012 Q3 release incorporates new source data from the 2011 and 2012 Current Population Surveys. Revisions extend back to 2010. |
Quarter | DSR |
FOR |
||||
---|---|---|---|---|---|---|
Total | Renter |
Homeowner |
||||
Total | Mortgage | Consumer | ||||
80q1 | 11.12 | 15.95 | 24.61 | 13.81 | 8.17 | 5.64 |
80q2 | 11.09 | 15.99 | 24.53 | 13.89 | 8.38 | 5.50 |
80q3 | 10.78 | 15.67 | 23.88 | 13.62 | 8.38 | 5.24 |
80q4 | 10.51 | 15.35 | 23.62 | 13.30 | 8.30 | 5.00 |
81q1 | 10.57 | 15.45 | 23.72 | 13.40 | 8.42 | 4.98 |
81q2 | 10.70 | 15.66 | 24.07 | 13.58 | 8.60 | 4.98 |
81q3 | 10.55 | 15.47 | 23.96 | 13.39 | 8.54 | 4.85 |
81q4 | 10.60 | 15.59 | 24.15 | 13.48 | 8.65 | 4.83 |
82q1 | 10.68 | 15.71 | 23.75 | 13.68 | 8.83 | 4.85 |
82q2 | 10.72 | 15.75 | 23.24 | 13.81 | 8.94 | 4.87 |
82q3 | 10.59 | 15.64 | 22.68 | 13.76 | 8.94 | 4.82 |
82q4 | 10.53 | 15.62 | 22.30 | 13.79 | 8.97 | 4.81 |
83q1 | 10.52 | 15.61 | 22.46 | 13.75 | 8.93 | 4.82 |
83q2 | 10.53 | 15.62 | 22.53 | 13.75 | 8.92 | 4.83 |
83q3 | 10.51 | 15.57 | 22.64 | 13.68 | 8.87 | 4.81 |
83q4 | 10.58 | 15.64 | 22.80 | 13.74 | 8.87 | 4.87 |
84q1 | 10.65 | 15.65 | 22.82 | 13.77 | 8.85 | 4.92 |
84q2 | 10.78 | 15.77 | 23.07 | 13.87 | 8.86 | 5.02 |
84q3 | 10.86 | 15.87 | 23.48 | 13.92 | 8.86 | 5.06 |
84q4 | 11.00 | 16.08 | 23.98 | 14.07 | 8.93 | 5.14 |
85q1 | 11.36 | 16.54 | 24.62 | 14.48 | 9.17 | 5.31 |
85q2 | 11.45 | 16.65 | 24.87 | 14.56 | 9.22 | 5.35 |
85q3 | 11.79 | 17.13 | 25.64 | 14.97 | 9.45 | 5.53 |
85q4 | 11.90 | 17.29 | 26.02 | 15.09 | 9.51 | 5.58 |
86q1 | 11.94 | 17.32 | 26.03 | 15.12 | 9.52 | 5.60 |
86q2 | 12.03 | 17.45 | 26.34 | 15.22 | 9.56 | 5.66 |
86q3 | 12.15 | 17.61 | 26.56 | 15.37 | 9.62 | 5.75 |
86q4 | 12.32 | 17.84 | 26.80 | 15.60 | 9.77 | 5.83 |
87q1 | 12.17 | 17.68 | 26.56 | 15.47 | 9.75 | 5.72 |
87q2 | 12.33 | 17.93 | 26.80 | 15.72 | 9.96 | 5.76 |
87q3 | 12.18 | 17.73 | 26.63 | 15.53 | 9.86 | 5.67 |
87q4 | 12.02 | 17.52 | 26.47 | 15.33 | 9.74 | 5.59 |
88q1 | 11.98 | 17.43 | 26.19 | 15.28 | 9.73 | 5.56 |
88q2 | 11.96 | 17.37 | 25.90 | 15.27 | 9.75 | 5.52 |
88q3 | 11.91 | 17.29 | 25.69 | 15.23 | 9.77 | 5.46 |
88q4 | 11.79 | 17.15 | 25.55 | 15.09 | 9.68 | 5.41 |
89q1 | 11.73 | 17.04 | 25.13 | 15.05 | 9.71 | 5.34 |
89q2 | 11.89 | 17.22 | 25.13 | 15.28 | 9.89 | 5.39 |
89q3 | 11.97 | 17.32 | 25.01 | 15.42 | 10.03 | 5.39 |
89q4 | 11.98 | 17.34 | 24.86 | 15.46 | 10.08 | 5.38 |
90q1 | 11.92 | 17.27 | 24.75 | 15.39 | 10.10 | 5.29 |
90q2 | 11.90 | 17.25 | 24.73 | 15.37 | 10.13 | 5.24 |
90q3 | 11.88 | 17.27 | 24.77 | 15.37 | 10.18 | 5.19 |
90q4 | 11.90 | 17.33 | 24.74 | 15.43 | 10.31 | 5.13 |
91q1 | 11.87 | 17.31 | 24.56 | 15.44 | 10.37 | 5.07 |
91q2 | 11.71 | 17.15 | 24.24 | 15.31 | 10.35 | 4.96 |
91q3 | 11.60 | 17.05 | 24.05 | 15.21 | 10.36 | 4.86 |
91q4 | 11.41 | 16.85 | 23.66 | 15.03 | 10.27 | 4.77 |
92q1 | 11.19 | 16.58 | 23.56 | 14.74 | 10.09 | 4.65 |
92q2 | 11.03 | 16.42 | 23.52 | 14.55 | 9.97 | 4.58 |
92q3 | 10.88 | 16.25 | 23.51 | 14.35 | 9.84 | 4.51 |
92q4 | 10.70 | 16.04 | 23.41 | 14.12 | 9.65 | 4.47 |
93q1 | 10.88 | 16.28 | 23.97 | 14.29 | 9.76 | 4.53 |
93q2 | 10.70 | 16.02 | 23.75 | 14.03 | 9.55 | 4.49 |
93q3 | 10.75 | 16.09 | 23.83 | 14.10 | 9.55 | 4.55 |
93q4 | 10.63 | 15.95 | 23.83 | 13.94 | 9.37 | 4.57 |
94q1 | 10.77 | 16.18 | 24.46 | 14.08 | 9.40 | 4.69 |
94q2 | 10.76 | 16.16 | 24.52 | 14.05 | 9.29 | 4.76 |
94q3 | 10.88 | 16.28 | 24.87 | 14.14 | 9.28 | 4.86 |
94q4 | 11.00 | 16.37 | 24.94 | 14.23 | 9.29 | 4.94 |
95q1 | 11.19 | 16.58 | 25.29 | 14.41 | 9.35 | 5.06 |
95q2 | 11.41 | 16.83 | 25.80 | 14.61 | 9.41 | 5.21 |
95q3 | 11.53 | 16.96 | 26.17 | 14.71 | 9.37 | 5.34 |
95q4 | 11.61 | 17.04 | 26.60 | 14.75 | 9.29 | 5.45 |
96q1 | 11.65 | 17.04 | 26.53 | 14.77 | 9.21 | 5.56 |
96q2 | 11.70 | 17.05 | 26.42 | 14.82 | 9.18 | 5.64 |
96q3 | 11.77 | 17.12 | 26.68 | 14.88 | 9.16 | 5.72 |
96q4 | 11.84 | 17.20 | 26.91 | 14.95 | 9.12 | 5.83 |
97q1 | 11.81 | 17.18 | 26.86 | 14.95 | 9.11 | 5.84 |
97q2 | 11.84 | 17.24 | 27.05 | 15.00 | 9.13 | 5.87 |
97q3 | 11.85 | 17.25 | 27.14 | 15.00 | 9.10 | 5.90 |
97q4 | 11.82 | 17.16 | 27.09 | 14.92 | 9.02 | 5.90 |
98q1 | 11.65 | 16.90 | 27.10 | 14.65 | 8.85 | 5.80 |
98q2 | 11.68 | 16.88 | 27.30 | 14.61 | 8.77 | 5.84 |
98q3 | 11.67 | 16.85 | 27.57 | 14.55 | 8.69 | 5.85 |
98q4 | 11.73 | 16.92 | 27.93 | 14.57 | 8.67 | 5.91 |
99q1 | 11.80 | 17.02 | 28.14 | 14.65 | 8.70 | 5.96 |
99q2 | 11.94 | 17.19 | 28.67 | 14.77 | 8.74 | 6.03 |
99q3 | 12.06 | 17.31 | 28.98 | 14.88 | 8.79 | 6.09 |
99q4 | 12.04 | 17.23 | 29.02 | 14.80 | 8.76 | 6.03 |
00q1 | 11.95 | 17.04 | 28.88 | 14.63 | 8.67 | 5.96 |
00q2 | 12.11 | 17.17 | 29.21 | 14.75 | 8.73 | 6.02 |
00q3 | 12.25 | 17.28 | 29.51 | 14.83 | 8.75 | 6.08 |
00q4 | 12.46 | 17.53 | 30.18 | 15.03 | 8.86 | 6.17 |
01q1 | 12.56 | 17.62 | 30.27 | 15.11 | 8.87 | 6.25 |
01q2 | 12.75 | 17.87 | 30.67 | 15.32 | 8.99 | 6.33 |
01q3 | 12.62 | 17.66 | 30.73 | 15.10 | 8.90 | 6.20 |
01q4 | 12.99 | 18.14 | 30.83 | 15.61 | 9.15 | 6.46 |
02q1 | 12.84 | 17.87 | 30.14 | 15.44 | 9.04 | 6.40 |
02q2 | 12.88 | 17.87 | 29.65 | 15.53 | 9.11 | 6.42 |
02q3 | 13.03 | 18.01 | 29.27 | 15.77 | 9.28 | 6.49 |
02q4 | 13.10 | 18.04 | 28.70 | 15.91 | 9.41 | 6.50 |
03q1 | 13.13 | 18.02 | 28.13 | 16.00 | 9.49 | 6.51 |
03q2 | 13.08 | 17.88 | 27.47 | 15.97 | 9.48 | 6.49 |
03q3 | 13.00 | 17.73 | 26.70 | 15.93 | 9.47 | 6.46 |
03q4 | 13.07 | 17.78 | 26.40 | 16.06 | 9.58 | 6.48 |
04q1 | 13.13 | 17.82 | 26.03 | 16.19 | 9.67 | 6.52 |
04q2 | 13.09 | 17.77 | 25.59 | 16.20 | 9.72 | 6.49 |
04q3 | 13.23 | 17.90 | 25.39 | 16.41 | 9.87 | 6.53 |
04q4 | 13.19 | 17.81 | 25.22 | 16.35 | 9.93 | 6.43 |
05q1 | 13.56 | 18.27 | 25.30 | 16.86 | 10.33 | 6.53 |
05q2 | 13.67 | 18.37 | 25.13 | 17.01 | 10.50 | 6.51 |
05q3 | 13.54 | 18.23 | 25.00 | 16.88 | 10.45 | 6.43 |
05q4 | 13.63 | 18.32 | 24.95 | 17.00 | 10.61 | 6.39 |
06q1 | 13.74 | 18.41 | 24.91 | 17.12 | 10.71 | 6.41 |
06q2 | 13.80 | 18.49 | 25.00 | 17.21 | 10.87 | 6.34 |
06q3 | 13.91 | 18.65 | 25.14 | 17.37 | 11.05 | 6.31 |
06q4 | 13.94 | 18.72 | 25.35 | 17.41 | 11.11 | 6.30 |
07q1 | 13.93 | 18.76 | 25.15 | 17.48 | 11.19 | 6.28 |
07q2 | 13.98 | 18.85 | 25.48 | 17.53 | 11.25 | 6.28 |
07q3 | 14.09 | 18.98 | 25.52 | 17.67 | 11.34 | 6.33 |
07q4 | 14.03 | 18.89 | 25.33 | 17.60 | 11.28 | 6.32 |
08q1 | 13.75 | 18.54 | 25.01 | 17.24 | 11.03 | 6.21 |
08q2 | 13.36 | 18.04 | 24.46 | 16.75 | 10.71 | 6.04 |
08q3 | 13.45 | 18.26 | 25.01 | 16.90 | 10.81 | 6.08 |
08q4 | 13.51 | 18.47 | 25.36 | 17.05 | 10.93 | 6.13 |
09q1 | 13.56 | 18.67 | 25.51 | 17.23 | 11.08 | 6.15 |
09q2 | 13.31 | 18.47 | 25.04 | 17.04 | 11.01 | 6.03 |
09q3 | 13.20 | 18.43 | 24.99 | 16.98 | 10.99 | 5.99 |
09q4 | 12.92 | 18.12 | 24.66 | 16.66 | 10.84 | 5.82 |
10q1 | 12.48 | 17.58 | 24.12 | 16.12 | 10.49 | 5.63 |
10q2 | 12.11 | 17.13 | 23.70 | 15.67 | 10.22 | 5.45 |
10q3 | 11.87 | 16.89 | 23.40 | 15.43 | 10.11 | 5.32 |
10q4 | 11.58 | 16.60 | 23.26 | 15.10 | 9.93 | 5.17 |
11q1 | 11.18 | 16.17 | 23.25 | 14.59 | 9.55 | 5.04 |
11q2 | 11.09 | 16.10 | 23.51 | 14.46 | 9.46 | 5.00 |
11q3 | 11.03 | 16.07 | 23.80 | 14.37 | 9.40 | 4.97 |
11q4 | 10.98 | 16.06 | 24.08 | 14.29 | 9.31 | 4.98 |
12q1 | 10.77 | 15.86 | 23.94 | 14.08 | 9.13 | 4.95 |
12q2 | 10.68 | 15.78 | 24.01 | 13.97 | 9.01 | 4.96 |
12q3 | 10.56 | 15.69 | 24.09 | 13.84 | 8.86 | 4.98 |
12q4 | 10.38 | 15.48 | 24.14 | 13.60 | 8.67 | 4.93 |
Statistical releases
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