Household Debt-Service Ratio
11.2%
· Jan 2026
econ
scout
Global Financial Crisis · Dec 2007 – Jun 2009
COVID-19 Recession · Feb 2020 – Apr 2020
10%
11%
12%
13%
14%
15%
2005
2010
2015
2020
2025
11.2%
Household Debt-Service Ratio — one value per year; US recessions are shaded on the chart.
Year
Household Debt-Service Ratio
2005
15.0%
2006
15.5%
2007
15.8%
2008
15.7%
2009
14.9%
2010
13.6%
2011
12.7%
2012
11.8%
2013
12.0%
2014
11.6%
2015
11.7%
2016
11.9%
2017
11.8%
2018
11.7%
2019
11.7%
2020
10.4%
2021
10.2%
2022
10.7%
2023
11.1%
2024
11.1%
2025
11.3%
2026
11.2%
Source: FRED · TDSP · econscout.com