credit
Mortgage Debt Service Ratio
Latest
5.83%
Methodology
## What this measures
Required mortgage payments as a percent of disposable personal income.
## Why it matters
Most outstanding mortgages carry fixed rates, so this ratio moves slowly even when new mortgage rates jump. That lag is itself useful: it shows how much of the housing-cost shock existing owners have avoided.
## How to read it
Lower is better.
## Source
Federal Reserve Board via FRED (`MDSP`). Public.
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