CPI 3.7%Unemployment 4.2%30Y mortgage 7.24%Saving 3.8¢ per $1Debt service 11.11%Fed funds 3.88%10Y Treasury 4.94%U.S. debt $40.594TDebt / household $301,162Household pressure 43.2

What share of income goes to debt payments?

Debt service ratio

Required household debt payments (mortgage and consumer debt) as a percentage of disposable personal income, estimated quarterly by the Federal Reserve.

11.11%

Percent of disposable income, Q2 2026

−0.01 pts from a year earlier

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Percent of disposable income

Shaded: U.S. recessions (NBER)

What this measures

This is the burden measure lenders and economists watch: not how much is owed, but how much of each paycheck the required payments take. It peaked above 13% in 2007 and fell to record lows when rates were near zero.

Source: Federal Reserve via FRED (TDSP). Updated automatically when the source publishes. How we handle data · Embed this chart

Debt service ratio

What this measures

The household economy, once a month