Credit & debt · TDSP
Household debt service ratio
As of Q2 2026, the household debt service ratio stood at 11.11%, a change of -0.05 pt from the quarter before.
Source: Board of Governors of the Federal Reserve System via FRED®. Quarterly data, seasonally adjusted. Latest observation Q2 2026; snapshot taken Oct 27, 2026, 2:15 AM EDT.
Latest (Q2 2026)
11.11%
Change from Q1 2026
-0.05 pt
A year earlier
11.12%
12-month change
-0.1%
11.11% Q2 2026 · Percent
Percent. Data from Q1 2005 to Q2 2026 (86 observations).
What it measures
The debt service ratio is the share of household disposable income going to required payments on mortgages and consumer debt. It reached a record low in 2021.
- Official title
- Household Debt Service Payments as a Percent of Disposable Personal Income
- Units
- Percent
- Frequency and adjustment
- Quarterly, seasonally adjusted
- Original source
- Board of Governors of the Federal Reserve System
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| Date | Value | Change |
|---|---|---|
| Q2 2026 | 11.11% | -0.05 pt |
| Q1 2026 | 11.16% | -0.16 pt |
| Q4 2025 | 11.32% | +0.09 pt |
| Q3 2025 | 11.23% | +0.11 pt |
| Q2 2025 | 11.12% | +0.02 pt |
| Q1 2025 | 11.11% | -0.02 pt |
| Q4 2024 | 11.12% | -0.02 pt |
| Q3 2024 | 11.14% | +0.12 pt |
| Q2 2024 | 11.02% | -0.04 pt |
| Q1 2024 | 11.06% | -0.04 pt |
| Q4 2023 | 11.10% | +0.35 pt |
| Q3 2023 | 10.75% | +0.17 pt |
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This page shows public economic data for general information. It is not financial advice and does not predict future values.
Sources
- Board of Governors of the Federal Reserve System, Household Debt Service Payments as a Percent of Disposable Personal Income [TDSP], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/TDSP, Oct 27, 2026.
- View TDSP on FRED® · Board of Governors of the Federal Reserve System
FRED® is a registered trademark of the Federal Reserve Bank of St. Louis. Neither the Federal Reserve Bank of St. Louis nor Board of Governors of the Federal Reserve System endorses OpenEcon.