Consumer Creditquarterly
Household Debt Service Ratio
Household debt service payments as a share of disposable personal income; rises before consumer-led recessions.
The Household Debt Service Ratio is currently 11.32%, last updated .
11.32%
1W +0.58%1M +0.58%3M +0.58%
Updated 4h agoNo data available
Recent Data
Download CSV| Date | Value | Change |
|---|---|---|
| Oct 1, 2025 | 11.32% | +0.58% |
| Jul 1, 2025 | 11.26% | +1.20% |
| Apr 1, 2025 | 11.12% | +0.17% |
| Jan 1, 2025 | 11.11% | -0.15% |
| Oct 1, 2024 | 11.12% | -0.15% |
| Jul 1, 2024 | 11.14% | +1.08% |
| Apr 1, 2024 | 11.02% | -0.36% |
| Jan 1, 2024 | 11.06% | -0.34% |
| Oct 1, 2023 | 11.10% | +3.24% |
| Jul 1, 2023 | 10.75% | +1.62% |
| Apr 1, 2023 | 10.58% | +0.12% |
| Jan 1, 2023 | 10.56% | -1.61% |
| Oct 1, 2022 | 10.74% | +1.60% |
| Jul 1, 2022 | 10.57% | -1.09% |
| Apr 1, 2022 | 10.68% | +2.03% |
| Jan 1, 2022 | 10.47% | +2.38% |
| Oct 1, 2021 | 10.23% | +2.19% |
| Jul 1, 2021 | 10.01% | +1.71% |
| Apr 1, 2021 | 9.84% | +8.72% |
| Jan 1, 2021 | 9.05% | -12.88% |
| Oct 1, 2020 | 10.39% | +3.29% |
| Jul 1, 2020 | 10.06% | +3.27% |
| Apr 1, 2020 | 9.74% | -15.97% |
| Jan 1, 2020 | 11.59% | — |
Related in Consumer Credit
Household Financial Obligations Ratio
Household financial obligations (debt service plus auto lease, rent, homeowner insurance, property tax) as a share of disposable personal income.
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
Frequently Asked Questions
▶What is Household Debt Service Ratio?
Household debt service payments as a share of disposable personal income; rises before consumer-led recessions.
▶How often is Household Debt Service Ratio updated?
Household Debt Service 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 Debt Service Ratio data?
Convex sources Household Debt Service 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 Debt Service Ratio chart page?
The Household Debt Service 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.
Get daily macro analysis covering Household Debt Service Ratio and related indicators delivered to your inbox.
Data sourced from FRED, CoinGecko, CBOE, CFTC, and EIA. Updated quarterly. This page is for informational purposes only and does not constitute financial advice.