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Mortgage Debt Service Payments as a Percent of Disposable Personal Income (MDSP)

Observations

Q4 2025: 5.92285
Updated: Mar 20, 2026 11:01 AM CDT
Q4 2025:  5.92285  
Q3 2025:  5.88867  
Q2 2025:  5.82600  
Q1 2025:  5.76189  
Q4 2024:  5.68946  

Units:

Percent,
Seasonally Adjusted

Frequency:

Quarterly

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Notes

Title Release Dates
Mortgage Debt Service Payments as a Percent of Disposable Personal Income 2013-12-13 2026-03-20
 
Source    
Board of Governors of the Federal Reserve System (US) 2013-12-13 2026-03-20
 
Release    
Household Debt Service and Financial Obligations Ratios 2013-12-13 2024-09-24
Household Debt Service Ratios 2024-09-25 2026-03-20
 
Units    
Percent 2013-12-13 2026-03-20
 
Frequency    
Quarterly 2013-12-13 2026-03-20
 
Seasonal Adjustment    
Seasonally Adjusted 2013-12-13 2026-03-20
 
Notes    
The Household Debt Service Ratio (DSR) (https://fred.stlouisfed.org/series/TDSP) is the ratio of total required household debt payments to total disposable income.

The DSR is divided into two parts. The Mortgage DSR (MDSP) (https://fred.stlouisfed.org/series/MDSP) is total quarterly required mortgage payments divided by total quarterly disposable personal income. The Consumer DSR (CDSP) (https://fred.stlouisfed.org/series/CDSP) is total quarterly scheduled consumer debt payments divided by total quarterly disposable personal income. The Mortgage DSR and the Consumer DSR sum to the DSR.

For more information, please visit the Board of Governors (https://www.federalreserve.gov/releases/housedebt/about.htm).

2013-12-13 2025-06-25
Household Debt Service Ratio (DSR) (https://fred.stlouisfed.org/series/TDSP) is the ratio of total required household debt payments to total disposable income.

The DSR is divided into two parts. The Mortgage DSR (MDSP) (https://fred.stlouisfed.org/series/MDSP) is total quarterly required mortgage payments divided by total quarterly disposable personal income. The Consumer DSR (CDSP) (https://fred.stlouisfed.org/series/CDSP) is total quarterly scheduled consumer debt payments divided by total quarterly disposable personal income. The Mortgage DSR and the Consumer DSR sum to the DSR.

For questions on the data, please contact the data source (https://www.federalreserve.gov/apps/ContactUs/feedback.aspx?refurl=/releases/housedebt/%). For questions on FRED functionality, please contact us here (https://fred.stlouisfed.org/contactus/).

2025-06-26 2026-03-20

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Disposable Payments Mortgage Personal Income Debt Personal Percent Income Services Board of Governors Quarterly Seasonally Adjusted Nation Public Domain: Citation Requested United States of America