11.2%
2026 (thru Jan) (latest)
HOUSEHOLD DEBT SERVICE RATIO
percent of disposable income · 2005–2026 · lower is better · FRED TDSP
14.9%
2005
15.7%
high · 2007
9.8%
low · 2021
−3.7 pts
since 2005
┊ dashed lines mark 2008 Global financial crisis · 2020 COVID-19 pandemic
Method & caveats. Fed: required debt payments as share of disposable income.
Sources
Every value on this page is read from the publisher below. Current and historical source documents:
- https://fred.stlouisfed.org/series/TDSP
- https://github.com/danielmiessler/substrate/tree/main/Data/US-Long-Run-Indicators
Data
| Year | Household Debt Service Ratio | Change |
|---|---|---|
| 2026 | 11.2% | +0.0 pts |
| 2025 | 11.2% | +0.1 pts |
| 2024 | 11.1% | +0.4 pts |
| 2023 | 10.7% | +0.1 pts |
| 2022 | 10.6% | +0.8 pts |
| 2021 | 9.8% | −0.6 pts |
| 2020 | 10.4% | −1.2 pts |
| 2019 | 11.6% | +0.0 pts |
| 2018 | 11.6% | −0.2 pts |
| 2017 | 11.8% | +0.0 pts |
| 2016 | 11.8% | +0.2 pts |
| 2015 | 11.6% | −0.1 pts |
| 2014 | 11.7% | −0.2 pts |
| 2013 | 11.9% | −0.1 pts |
| 2012 | 12.0% | −1.0 pts |
| 2011 | 13.0% | −1.0 pts |
| 2010 | 14.0% | −1.2 pts |
| 2009 | 15.2% | −0.4 pts |
| 2008 | 15.6% | −0.1 pts |
| 2007 | 15.7% | +0.5 pts |
| 2006 | 15.2% | +0.3 pts |
| 2005 | 14.9% | — |
Also in Money & Debt