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Household Debt Service Payments as a Percent of Disposable Personal Income (TDSP)

Observations

Q3 2025: 11.25634
Updated: Jan 13, 2026 2:34 PM CST
Q3 2025:  11.25634  
Q2 2025:  11.12384  
Q1 2025:  11.10531  
Q4 2024:  11.12225  
Q3 2024:  11.13854  

Units:

Percent,
Seasonally Adjusted

Frequency:

Quarterly

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Notes

Title Release Dates
Household Debt Service Payments as a Percent of Disposable Personal Income 1999-11-09 2026-01-13
 
Source    
Board of Governors of the Federal Reserve System (US) 1999-11-09 2026-01-13
 
Release    
Household Debt Service and Financial Obligations Ratios 1999-11-09 2024-09-24
Household Debt Service Ratios 2024-09-25 2026-01-13
 
Units    
Percent 1999-11-09 2026-01-13
 
Frequency    
Quarterly 1999-11-09 2026-01-13
 
Seasonal Adjustment    
Seasonally Adjusted 1999-11-09 2026-01-13
 
Notes    
For further information please see the Board of Governors web site at
http://www.federalreserve.gov/releases/housedebt/default.htm
http://www.federalreserve.gov/releases/housedebt/about.htm

1999-11-09 2019-06-19
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).

2019-06-20 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 2026-01-13

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