Skip to main content

Home > Releases > Household Debt Service Ratios > Mortgage Debt Service Payments as a Percent of Disposable Personal Income

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

Observations

Q2 2025: 5.89175
Updated: Sep 19, 2025 9:31 AM CDT
Q2 2025:  5.89175  
Q1 2025:  5.84110  
Q4 2024:  5.77376  
Q3 2024:  5.83437  
Q2 2024:  5.77347  

Units:

Percent,
Seasonally Adjusted

Frequency:

Quarterly

Fullscreen

Notes

Title Release Dates
Mortgage Debt Service Payments as a Percent of Disposable Personal Income 2013-12-13 2025-09-19
 
Source    
Board of Governors of the Federal Reserve System (US) 2013-12-13 2025-09-19
 
Release    
Household Debt Service and Financial Obligations Ratios 2013-12-13 2024-09-24
Household Debt Service Ratios 2024-09-25 2025-09-19
 
Units    
Percent 2013-12-13 2025-09-19
 
Frequency    
Quarterly 2013-12-13 2025-09-19
 
Seasonal Adjustment    
Seasonally Adjusted 2013-12-13 2025-09-19
 
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 2025-09-19

Release Tables

Related Data and Content

Data Suggestions Based On Your Search

Content Suggestions

Related Categories

Housing Production & Business Activity Categories

Releases

More Series from Household Debt Service Ratios

Tags

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