Indicators / Consumer
Household debt service ratio
Household debt service payments as % of disposable personal income.
Current
11.11
Observation date 2026-04-01
NormalLIVE
Stress
22
Level percentile
Metric: 11.11 · Trend ↓Improving
History
Percentile 22
Z-score —
History since 2005-01-01
Changes
1W —
1M —
3M —
6M −0.21 pp
12M −0.01 pp
Chart
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Interpretation & scoring
Direction: Higher = more income absorbed by debt payments.
Stress metric: Level percentile (higher = more stress).
Mapping: point-in-time historical percentile of the metric (polarity-adjusted). Signal bands: <50 Normal · 50–75 Watch · 75–90 Elevated · ≥90 Severe.
Contribution to scores
| Score | Category / cluster | Weight | Points |
|---|---|---|---|
| Recession Stress | consumer / debt_service | 2.0% | 0.4 |
Sources & timestamps
| Series | Source | ID | Frequency | Last observation | Source last updated | Retrieved |
|---|---|---|---|---|---|---|
| Household debt service ratio | Board of Governors of the Federal Reserve System (via FRED) | TDSP | Quarterly | 2026-04-01 | 2026-09-22 19:31 UTC | 2026-10-18 23:09 UTC |