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Household Financial Obligations Ratio

Household financial obligations (debt service plus auto lease, rent, homeowner insurance, property tax) as a share of disposable personal income.

The Household Financial Obligations Ratio is currently 14.20%, last updated .

14.20%
1W +0.63%1M +0.63%3M +0.63%
Updated 4h ago
All formats →
No data available

AI Analysis

Apr 18, 2026

This is the most difficult policy environment for risk assets. The highest-conviction trade in the book is LONG GOLD: CB/sovereign structural demand (CFTC at 2nd pctile = crowded short = forced covers), stagflation regime (gold performs in both inflation and growth-fear scenarios), real yields below 2.25% (32bp buffer), and net liquidity expansion providing mechanical support. The squeeze is real but the fundamental backdrop argues for fading strength above 7,400.

Recent Data

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DateValueChange
Jul 1, 202314.20%+0.63%
Apr 1, 202314.11%-0.10%
Jan 1, 202314.12%-1.90%
Oct 1, 202214.40%+0.32%
Jul 1, 202214.35%+0.02%
Apr 1, 202214.35%+0.30%
Jan 1, 202214.31%+2.08%
Oct 1, 202114.01%+1.09%
Jul 1, 202113.86%+1.99%
Apr 1, 202113.59%+9.36%
Jan 1, 202112.43%-10.98%
Oct 1, 202013.96%+2.13%
Jul 1, 202013.67%+3.17%
Apr 1, 202013.25%-9.29%
Jan 1, 202014.61%-0.70%
Oct 1, 201914.71%-0.21%
Jul 1, 201914.74%+0.06%
Apr 1, 201914.73%+0.49%
Jan 1, 201914.66%-0.35%
Oct 1, 201814.71%+0.03%
Jul 1, 201814.71%-0.26%
Apr 1, 201814.75%-0.45%
Jan 1, 201814.82%-0.61%
Oct 1, 201714.91%—

Related in Consumer Credit

Household Debt Service Ratio
Household debt service payments as a share of disposable personal income; rises before consumer-led recessions.
Single-Family Mortgage Delinquency Rate
Share of 1-to-4 family residential mortgages held by commercial banks that are 30+ days past due.
Consumer Loan Delinquency Rate
Share of consumer loans at all commercial banks that are 30+ days past due, a broad household-credit-quality gauge.

Explore Further

Forecast 2026
Household Financial Obligations Ratio Outlook
Scenario-weighted forecast using regime implied approach.

Frequently Asked Questions

▶What is Household Financial Obligations Ratio?
Household financial obligations (debt service plus auto lease, rent, homeowner insurance, property tax) as a share of disposable personal income.
▶How often is Household Financial Obligations Ratio updated?
Household Financial Obligations Ratio is updated once per quarter when the releasing agency publishes new data. Each metric page on Convex shows the exact time of the last data update and provides historical data going back up to five years.
▶Where does Convex source Household Financial Obligations Ratio data?
Convex sources Household Financial Obligations Ratio data from the Federal Reserve Economic Data (FRED) API, maintained by the Federal Reserve Bank of St. Louis. Data is fetched automatically and displayed alongside interactive charts, AI analysis, and historical context.
▶What can I do on the Household Financial Obligations Ratio chart page?
The Household Financial Obligations Ratio page includes an interactive chart with selectable time ranges (1 month to 5 years), percentage changes over multiple timeframes, a table of recent readings, AI-generated analysis, and links to related metrics and comparisons.
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Data sourced from FRED, CoinGecko, CBOE, CFTC, and EIA. Updated quarterly. This page is for informational purposes only and does not constitute financial advice.