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Household Debt-Service Ratio
Required debt payments as a share of disposable income.
11.2%
Percent · latest, Jan 2026
vs prior quarter▼ 0.2 pp
vs year ago▲ 0.1 pp
| 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% |
Hover the line to read any month. Drag across the chart to zoom; double-click to reset.
Source: FRED · TDSP · series · Jan 2005 to Jan 2026 · latest-revised
Refreshed Jul 31, 2026 from FRED.
Required debt payments as a share of disposable income.
Required household debt payments as a percentage of disposable personal income.
Source: FRED · Jan 2026 · Full lesson → Learn
About the bands. Shaded spans are NBER-dated US recessions, drawn as factual overlays. They mark when the economy contracted, not why. Lining an event up with a move is not evidence it caused the move.
Read across
No single number is the economy. These measure nearby parts of it — add one to compare, or open it on its own.
- Credit-Card Delinquency Rate Balances actually falling behind, not just the payment burden.
- Personal Saving Rate What households set aside after those payments.
- 30-Year Mortgage Rate The rate on the largest household debt.