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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.

ByConvex Research Desk·Edited byBen Bleierⓘ·

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

14.20%
1W +0.63%1M +0.63%3M +0.63%
Updated 5h ago
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Statistical forecast 2026
Model-based central estimate, 68% and 95% confidence bands for Household Financial Obligations Ratio, blended across current macro regimes.
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Download dataCSV (full history)·JSON (latest)·View on FRED ↗
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AI Analysis

Jun 2, 2026

This is the most dangerous divergence in the data: if the Cleveland nowcast is even directionally correct, the next CPI print will be a significant upside surprise that forces a repricing of the entire rate cut narrative. What the market is getting wrong: (1) pricing disinflation when the pipeline is building; (2) pricing 1-2 Fed cuts when the inflation data argues for hold-or-hike; (3) ignoring the BOJ tail (30% probability) which would be the most violent cross-asset event of 2026. GSCPI at 0.68σ elevated with manufacturing unfilled orders/shipments at 670,894 — supply chain bottlenecks forming, not easing.

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.