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    • Household Debt Service Ratios

    Metadata Updated: January 28, 2026

    These data leverage a new, credit bureau data-based methodology for calculating the household debt service ratio (DSR), Mortgage DSR, and Consumer DSR. The 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.

    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 January 28, 2026
    Metadata Updated Date January 28, 2026

    Metadata Source

    Harvested from Federal Reserve

    Other Data Resources

    Additional Metadata

    Resource Type Dataset
    Metadata Created Date January 28, 2026
    Metadata Updated Date January 28, 2026
    Publisher Board of Governors of the Federal Reserve System
    Maintainer
    Identifier FRBC0020
    Data Last Modified R/P3M
    Public Access Level public
    Bureau Code 920:00
    Schema Version https://project-open-data.cio.gov/v1.1/schema
    Harvest Object Id 2eb90428-e268-49b3-acf2-7fc6259d7053
    Harvest Source Id ed4f9073-f069-4049-8ee0-17ff5c98cd46
    Harvest Source Title Federal Reserve
    Homepage URL https://www.federalreserve.gov/releases/DSR/
    Program Code 920:000
    Source Datajson Identifier True
    Source Hash a0897499cf1f550beb6c8740e5a777bb3a5f3fe6004cc95bff586ae4321a6ac0
    Source Schema Version 1.1

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