Household Debt Service Ratios
The Board of Governors of the Federal Reserve System and the Federal Reserve Bank of St. Louis's Federal Reserve Economic Data (FRED) program are working together to expand options for finding, accessing, and visualizing data from the Board's Data Download Program (DDP) in FRED. Learn more about the DDP and FRED partnership .
Household Debt Service Ratios RSS Data Download
The release is posted quarterly. The release is not posted on holidays or in the event that the Board is closed.
Release date: December 20, 2024
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 | 11.30 | 5.83 | 5.47 | |
Last Update: December 20, 2024