Household Debt Service and Financial Obligations Ratios

Published by Board of Governors of the Federal Reserve System | Board of Governors of the Federal Reserve System | Metadata Last Checked: June 26, 2025 | Last Modified: R/P3M

This feed provides information about household debt service and financial obligations ratios data from the Federal Reserve Board's FOR release available through the Data Download Program (DDP). The household Debt Service Ratio (DSR) is the ratio of total required household debt payments to total disposable income.The DSR is divided into two parts. The Mortgage DSR is total quarterly required mortgage payments divided by total quarterly disposable personal income. The Consumer DSR is total quarterly scheduled consumer debt payments divided by total quarterly disposable personal income. The Mortgage DSR and the Consumer DSR sum to the DSR.Quarterly values for the Debt Service Ratio are available from 1980 forward.

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Complete Metadata

bureauCode	[ "920:00" ]
identifier	FRBCMZ91
landingPage	https://www.federalreserve.gov/releases/housedebt/default.htm
programCode	[ "920:000" ]