Economy · United States · Household debt

US household debt service ratio

11.1% in June quarter 2026, compared with 11.2% in March quarter 2026.

Quarterly · % of disposable income · Lowest since March quarter 2025 · Updated 12 hrs ago

Range, past 10 years52-week and 10-year range The lowest and highest values over a period, with a marker for where the latest value sits between them. Learn more: 9.1% Mar qtr 202111.9% Dec qtr 2016
Over 3 monthsYear on year, month on month, quarter on quarter How a figure compares with the same period a year earlier (y/y), or with the period just before (m/m, q/q). Year-on-year removes seasonal swings; shorter comparisons show turning points sooner. Learn more: unchangedfrom 11.2%
Over 12 monthsPercentage points and basis points The difference between two percentages. A rate rising from 4.00% to 4.25% is up 0.25 percentage points, or 25 basis points; it is not up 0.25%. Learn more: unchangedfrom 11.1%
Long-run averageLong-run average The average of every reading in the series' history. A rough guide to what is normal, though economies change and some series never return to their old average. Learn more: 12.4%since 2005
Against its historyPercentile against history Where the latest reading ranks among every reading since the series began. The 90th percentile means it is higher than 90% of past readings. Learn more: 21stpercentile: higher than 21% of readings since 2005

HistorySeasonally adjusted A figure with the regular calendar pattern removed (Christmas, school holidays, harvests), so one month can be compared fairly with the next. Learn more

% of disposable income, quarterly

8.010.012.014.016.0Mar qtr 2005Dec qtr 2015Jun qtr 2026

Show the data

The latest 24 readings in this range.

Required mortgage and consumer debt payments as a share of US household after-tax income.

Shows how much of their income households must hand to lenders before spending anything.