Household Debt Service Ratios
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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: September 19, 2025
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 | 5.91 | 5.67 | |
| 2020:2 | 9.74 | 5.03 | 4.71 | |
| 2020:3 | 10.07 | 5.22 | 4.85 | |
| 2020:4 | 10.40 | 5.41 | 5.00 | |
| 2021:1 | 9.08 | 4.78 | 4.31 | |
| 2021:2 | 9.89 | 5.22 | 4.66 | |
| 2021:3 | 10.06 | 5.32 | 4.74 | |
| 2021:4 | 10.28 | 5.46 | 4.82 | |
| 2022:1 | 10.51 | 5.65 | 4.86 | |
| 2022:2 | 10.72 | 5.71 | 5.01 | |
| 2022:3 | 10.60 | 5.60 | 5.00 | |
| 2022:4 | 10.78 | 5.65 | 5.13 | |
| 2023:1 | 10.64 | 5.62 | 5.02 | |
| 2023:2 | 10.68 | 5.59 | 5.08 | |
| 2023:3 | 10.87 | 5.68 | 5.19 | |
| 2023:4 | 11.23 | 5.70 | 5.53 | |
| 2024:1 | 11.16 | 5.71 | 5.45 | |
| 2024:2 | 11.16 | 5.77 | 5.39 | |
| 2024:3 | 11.31 | 5.83 | 5.48 | |
| 2024:4 | 11.29 | 5.77 | 5.51 | |
| 2025:1 | 11.26 | 5.84 | 5.42 | |
| 2025:2 | 11.25 | 5.89 | 5.36 | |
Last Update: September 19, 2025