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Household Debt Service Ratio

U.S. household debt payments as a share of disposable income, %

All household debt: 11.1% in 20260.0 pp since 2026
YTD1y2y5y10y20yAll
Forecast availableOffContinuationForesight™
Show · 1 ▾
U.S. recessionsShades the months the NBER dates as recession. U.S. charts only.High and lowMarks the highest and lowest readings in the window shown.
Reading overdue·Data to 2026

Plays the chart through its history. Pauses are where the data set a record or moved most.

How much of after-tax income goes to required debt payments. It folds balances, interest rates and income into one burden measure, split between mortgage and consumer debt.

What this chart reads

Sources

Household Debt-Service Ratio. Source: Palanor pulls this series from the FRED API (Federal Reserve Bank of St. Louis) nightly. The underlying data is the TDSP series, published quarterly and seasonally adjusted.

Mortgage Debt Service Ratio. Source: Federal Reserve Board via FRED (MDSP). Public.

Consumer Debt Service Ratio. Source: Federal Reserve Board via FRED (CDSP). Public.

Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.

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