What does the US household debt service ratio measure?

It measures the share of disposable income that United States households must allocate to service their debt obligations, providing a clear indicator of consumer financial stress.

How often is this household debt data published and how far back does it go?

The data is published quarterly by the Federal Reserve and historical series extend back to 1945, capturing long-term trends in the United States household sector.

Which key metrics and breakdowns are included in this table?

The table includes the aggregate debt service ratio, the consumer debt service ratio to income, total household debt in dollars, and overall household net worth.

Where do these figures originate?

The statistics are compiled from the Federal Reserve's Z.1 financial accounts release, tracking the balance sheet and liabilities of the United States household sector.

US Household Debt and Net Worth

Name: US Household Debt and Net Worth
Creator: FRED (Federal Reserve Bank of St. Louis)
License: https://creativecommons.org/licenses/by/4.0/

US household debt service ratio, total debt, and net worth from the Federal Reserve.

Source: FRED (Federal Reserve Bank of St. Louis)Last updated: Sep 23, 2026, 05:32Curated by Bui Thanh PhucAbout this data ↓

Indicator	Q2-2026	Q1-2026	Q4-2025	Q3-2025	Q2-2025	Q1-2025	Q4-2024	Q3-2024	Q2-2024	Q1-2024	Q4-2023	Q3-2023	Q2-2023
Debt service ratio to disposable income	11.11	11.16	11.32	11.23	11.12	11.11	11.12	11.14	11.02	11.06	11.1	10.75	10.58
Consumer debt service ratio to income	5.28	5.29	5.4	5.36	5.3	5.34	5.43	5.39	5.32	5.4	5.46	5.13	5.04
Total household debt	21,377,787	21,113,848	20,931,778	20,774,055	20,559,248	20,403,418	20,305,926	20,420,782	20,271,309	20,130,676	19,970,727	19,858,770	19,698,547
Household net worth	195,870,496	183,067,096	182,274,207	181,137,271	175,931,076	169,608,637	169,760,700	168,988,769	164,874,727	161,885,618	156,278,786	152,056,717	153,212,310

Latest reading

Debt service ratio to disposable income stood at 11.11% in Q2 2026. That is unchanged from Q1 2026 and unchanged from a year earlier. The series on this page is quarterly and runs from Q1 2005 to Q2 2026. Source: FRED (Federal Reserve Bank of St. Louis).

Latest: 11.11%; Q2 2026
vs previous period: 0.0 pp; Q1 2026
vs a year earlier: 0.0 pp

About this data

US household debt service ratio, total debt, and net worth from the Federal Reserve. This quarterly table tracks consumer debt burdens relative to disposable income and overall household assets. Data series are sourced from the Z.1 financial accounts dating back to 1945.

Frequently asked questions

What does the US household debt service ratio measure?: It measures the share of disposable income that United States households must allocate to service their debt obligations, providing a clear indicator of consumer financial stress.
How often is this household debt data published and how far back does it go?: The data is published quarterly by the Federal Reserve and historical series extend back to 1945, capturing long-term trends in the United States household sector.
Which key metrics and breakdowns are included in this table?: The table includes the aggregate debt service ratio, the consumer debt service ratio to income, total household debt in dollars, and overall household net worth.
Where do these figures originate?: The statistics are compiled from the Federal Reserve's Z.1 financial accounts release, tracking the balance sheet and liabilities of the United States household sector.