Skip to main content
U.S. flag

An official website of the United States government

Official websites use .gov
A .gov website belongs to an official government organization in the United States.

Secure .gov websites use HTTPS
A lock ( ) or https:// means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.

Skip to content

Try the next-generation Data Catalog at catalog-beta.data.gov and help shape it with your feedback.

  • Feedback

    • Household Debt Service and Financial Obligations Ratios

    Metadata Updated: January 28, 2026

    The household Debt Service Ratio (DSR) is the ratio of total required household debt payments to total disposable income. The DSR is divided into two parts. The Mortgage DSR is total quarterly required mortgage payments divided by total quarterly disposable personal income. The Consumer DSR 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.

    Starting with the 2024 Q2 Debt Service Ratio (DSR) publication, the Board transitioned to a new, credit bureau data-based methodology for calculating the DSR, Mortgage DSR, and Consumer DSR. The new series can be found at https://www.federalreserve.gov/releases/dsr/ and the new methodology is described here: https://www.federalreserve.gov/econres/notes/feds-notes/introducing-a-credit-bureau-based-measure-of-u-s-household-debt-service-20240904.html.

    An archived version of the old DSR series will continue to be hosted at https://www.federalreserve.gov/releases/housedebt/default.htm, but will no longer be updated.

    Access & Use Information

    Public: This dataset is intended for public access and use. License: No license information was provided. If this work was prepared by an officer or employee of the United States government as part of that person's official duties it is considered a U.S. Government Work.

    Downloads & Resources

    Dates

    Metadata Created Date December 18, 2024
    Metadata Updated Date January 28, 2026

    Metadata Source

    Harvested from Federal Reserve

    Other Data Resources

    Additional Metadata

    Resource Type Dataset
    Metadata Created Date December 18, 2024
    Metadata Updated Date January 28, 2026
    Publisher Board of Governors of the Federal Reserve System
    Maintainer
    Identifier FRBCMZ91
    Data Last Modified 2024-03-31
    Public Access Level public
    Bureau Code 920:00
    Schema Version https://project-open-data.cio.gov/v1.1/schema
    Harvest Object Id 736764f7-6df9-4a05-bff3-9bcd46d664d5
    Harvest Source Id ed4f9073-f069-4049-8ee0-17ff5c98cd46
    Harvest Source Title Federal Reserve
    Homepage URL https://www.federalreserve.gov/releases/housedebt/default.htm
    Program Code 920:000
    Source Datajson Identifier True
    Source Hash 321321d11bc9341e0dfa76a5e1a2046a55dd9bf20bd3e6393952f9ef206cb30c
    Source Schema Version 1.1

    Didn't find what you're looking for? Suggest a dataset here.