U.S. ECONOMY & MARKETS10 Sep 2026 · 00:35 UTC
IndicatorsHousehold debt-service burden

INDICATOR DETAIL

Household debt-service ratio

JSON report
8%
ValidPeriod ending 31 Dec 2025Available 08 Sep 2026 · 07:54 UTC

History

108 readings.

History JSON ↗
All retained dates

Dates refer to the economic period ending and apply to all charts below. Leave a date blank for an open range.

Published metric history, %108 observed values from 1999-03-31 to 2025-12-31. Horizontal position follows economic dates. Lines stop at explicitly missing source periods. Recent exact values follow in the table; all retained readings are available through the pinned JSON query.6.6589.3510.712.051999-03-31: 9.5 %1999-06-30: 9.6 %1999-09-30: 9.8 %1999-12-31: 9.9 %2000-03-31: 10 %2000-06-30: 10 %2000-09-30: 10 %2000-12-31: 10 %2001-03-31: 10 %2001-06-30: 10 %2001-09-30: 9.9 %2001-12-31: 9.9 %2002-03-31: 9.8 %2002-06-30: 9.7 %2002-09-30: 9.7 %2002-12-31: 9.7 %2003-03-31: 9.7 %2003-06-30: 9.8 %2003-09-30: 9.8 %2003-12-31: 9.8 %2004-03-31: 9.8 %2004-06-30: 9.9 %2004-09-30: 10 %2004-12-31: 10.2 %2005-03-31: 10.3 %2005-06-30: 10.5 %2005-09-30: 10.8 %2005-12-31: 10.9 %2006-03-31: 11.1 %2006-06-30: 11.2 %2006-09-30: 11.3 %2006-12-31: 11.5 %2007-03-31: 11.5 %2007-06-30: 11.6 %2007-09-30: 11.6 %2007-12-31: 11.6 %2008-03-31: 11.4 %2008-06-30: 11.2 %2008-09-30: 11 %2008-12-31: 10.8 %2009-03-31: 10.6 %2009-06-30: 10.6 %2009-09-30: 10.5 %2009-12-31: 10.4 %2010-03-31: 10.3 %2010-06-30: 10.1 %2010-09-30: 9.9 %2010-12-31: 9.7 %2011-03-31: 9.5 %2011-06-30: 9.3 %2011-09-30: 9.2 %2011-12-31: 9 %2012-03-31: 8.9 %2012-06-30: 8.8 %2012-09-30: 8.7 %2012-12-31: 8.5 %2013-03-31: 8.5 %2013-06-30: 8.4 %2013-09-30: 8.4 %2013-12-31: 8.5 %2014-03-31: 8.5 %2014-06-30: 8.4 %2014-09-30: 8.3 %2014-12-31: 8.3 %2015-03-31: 8.2 %2015-06-30: 8.2 %2015-09-30: 8.2 %2015-12-31: 8.1 %2016-03-31: 8.1 %2016-06-30: 8.1 %2016-09-30: 8.2 %2016-12-31: 8.2 %2017-03-31: 8.1 %2017-06-30: 8.1 %2017-09-30: 8.1 %2017-12-31: 8.1 %2018-03-31: 8.1 %2018-06-30: 8.1 %2018-09-30: 8.1 %2018-12-31: 8.1 %2019-03-31: 8 %2019-06-30: 8 %2019-09-30: 8 %2019-12-31: 7.9 %2020-03-31: 7.8 %2020-06-30: 7.5 %2020-09-30: 7.4 %2020-12-31: 7.3 %2021-03-31: 7.1 %2021-06-30: 7.2 %2021-09-30: 7.3 %2021-12-31: 7.3 %2022-03-31: 7.5 %2022-06-30: 7.7 %2022-09-30: 7.9 %2022-12-31: 8 %2023-03-31: 8.1 %2023-06-30: 8.2 %2023-09-30: 8.2 %2023-12-31: 8.1 %2024-03-31: 8 %2024-06-30: 8 %2024-09-30: 8 %2024-12-31: 7.9 %2025-03-31: 7.9 %2025-06-30: 7.9 %2025-09-30: 7.9 %2025-12-31: 8 %31 Mar 199915 Aug 201231 Dec 2025

Showing periods 1–108 of 108 in this date range. Each chart page contains at most 180 original periods; values are not downsampled. All retained snapshot-selected periods are available.

Uses the data available in this saved assessment; later revisions may change historical values. This reconstructed chart does not show what was known on each historical date. Missing source periods break the line; unavailable metric values are omitted. Quality is evaluated at the assessment date.

Exact values · final 12 periods in this chart window
Exact plotted metric readings
Economic periodValueUnitQuality
31 Mar 20238.1%Stale
30 Jun 20238.2%Stale
30 Sep 20238.2%Stale
31 Dec 20238.1%Stale
31 Mar 20248%Stale
30 Jun 20248%Stale
30 Sep 20248%Stale
31 Dec 20247.9%Stale
31 Mar 20257.9%Stale
30 Jun 20257.9%Stale
30 Sep 20257.9%Stale
31 Dec 20258%Valid

Economic period & freshness

Calculation uses the latest completed observation available at evaluation time, with its actual economic period and original availability. An older period contributes to assessment only within the configured source-age limit. Newly observed missing or invalid evidence is not replaced with an earlier value. Source status uses economic-age thresholds, not a release calendar; no future release time is inferred.

Source timing diagnostics
InputLatest source periodObservation ageAvailable to ECO ISource status
Household debt-service burden31 Dec 2025253 days08 Sep 2026 · 07:54 UTCCurrent
THE PUBLISHED TRANSFORM

What this value measures

Household debt-service ratio

Output the latest original published value for its native economic period.

BIS estimates interest and amortisation payments as a percentage of sector income. Fixed maturity assumptions, income smoothing and some interpolated U.S. inputs mean these are modeled servicing burdens, not a census of exact payments. Compare each U.S. sector with its own history from 1999. Household and corporate levels have different income definitions; their levels must not be compared directly or treated as universal crisis thresholds. Households include nonprofit institutions serving households; corporations are nonfinancial corporations. Source values are quarterly, not seasonally adjusted, and not rescaled from percent. Publication normally trails the source quarter by about 5.5 months. The latest published period can be about 8.5 months old before the next quarterly release; a successful poll does not make it current market evidence. The expanding historical percentile and four-quarter change describe debt-service capacity. Forty quarters is a history-coverage requirement, not proof of predictive accuracy.

Definition 10.0.0 · us_household_debt_service
VALIDATION MATURITY

Research informed

BIS estimates interest and amortisation payments as a percentage of sector income. Fixed maturity assumptions, income smoothing and some interpolated U.S. inputs mean these are modeled servicing burdens, not a census of exact payments.

Published official-source context; the complete assessment and these supplementary growth/capacity interpretations are not established as calibrated crisis forecasts.

SOURCE OBSERVATIONS

Household debt-service burden

Bank for International Settlements · debt service ratio estimates

Canonical observations JSON ↗
Canonical source observations
Period endingSource valueUnitQualityAvailable to ECO I
31 Mar 20248%Valid08 Sep 2026 · 07:54 UTC
30 Jun 20248%Valid08 Sep 2026 · 07:54 UTC
30 Sep 20248%Valid08 Sep 2026 · 07:54 UTC
31 Dec 20247.9%Valid08 Sep 2026 · 07:54 UTC
31 Mar 20257.9%Valid08 Sep 2026 · 07:54 UTC
30 Jun 20257.9%Valid08 Sep 2026 · 07:54 UTC
30 Sep 20257.9%Valid08 Sep 2026 · 07:54 UTC
31 Dec 20258%Valid08 Sep 2026 · 07:54 UTC

Original BIS debt service ratio CSV · df3f2e5f543a… ↗

Showing 1 of 1 retained source files. All retained source file hashes (JSON) ↗

Source: BIS debt service ratio statistics. Model-based estimates; no BIS endorsement. Free statistical reuse with attribution under BIS permitted-use terms. File hashes identify the exact retrieved bytes; these are not historical point-in-time vintages.

Chart source observations · 108 periods in this windowCanonical source observations, %108 observed values from 1999-03-31 to 2025-12-31. Horizontal position follows economic dates. Lines stop at explicitly missing source periods. Recent exact values follow in the table; all retained readings are available through the pinned JSON query.6.6589.3510.712.051999-03-31: 9.5 %1999-06-30: 9.6 %1999-09-30: 9.8 %1999-12-31: 9.9 %2000-03-31: 10 %2000-06-30: 10 %2000-09-30: 10 %2000-12-31: 10 %2001-03-31: 10 %2001-06-30: 10 %2001-09-30: 9.9 %2001-12-31: 9.9 %2002-03-31: 9.8 %2002-06-30: 9.7 %2002-09-30: 9.7 %2002-12-31: 9.7 %2003-03-31: 9.7 %2003-06-30: 9.8 %2003-09-30: 9.8 %2003-12-31: 9.8 %2004-03-31: 9.8 %2004-06-30: 9.9 %2004-09-30: 10 %2004-12-31: 10.2 %2005-03-31: 10.3 %2005-06-30: 10.5 %2005-09-30: 10.8 %2005-12-31: 10.9 %2006-03-31: 11.1 %2006-06-30: 11.2 %2006-09-30: 11.3 %2006-12-31: 11.5 %2007-03-31: 11.5 %2007-06-30: 11.6 %2007-09-30: 11.6 %2007-12-31: 11.6 %2008-03-31: 11.4 %2008-06-30: 11.2 %2008-09-30: 11 %2008-12-31: 10.8 %2009-03-31: 10.6 %2009-06-30: 10.6 %2009-09-30: 10.5 %2009-12-31: 10.4 %2010-03-31: 10.3 %2010-06-30: 10.1 %2010-09-30: 9.9 %2010-12-31: 9.7 %2011-03-31: 9.5 %2011-06-30: 9.3 %2011-09-30: 9.2 %2011-12-31: 9 %2012-03-31: 8.9 %2012-06-30: 8.8 %2012-09-30: 8.7 %2012-12-31: 8.5 %2013-03-31: 8.5 %2013-06-30: 8.4 %2013-09-30: 8.4 %2013-12-31: 8.5 %2014-03-31: 8.5 %2014-06-30: 8.4 %2014-09-30: 8.3 %2014-12-31: 8.3 %2015-03-31: 8.2 %2015-06-30: 8.2 %2015-09-30: 8.2 %2015-12-31: 8.1 %2016-03-31: 8.1 %2016-06-30: 8.1 %2016-09-30: 8.2 %2016-12-31: 8.2 %2017-03-31: 8.1 %2017-06-30: 8.1 %2017-09-30: 8.1 %2017-12-31: 8.1 %2018-03-31: 8.1 %2018-06-30: 8.1 %2018-09-30: 8.1 %2018-12-31: 8.1 %2019-03-31: 8 %2019-06-30: 8 %2019-09-30: 8 %2019-12-31: 7.9 %2020-03-31: 7.8 %2020-06-30: 7.5 %2020-09-30: 7.4 %2020-12-31: 7.3 %2021-03-31: 7.1 %2021-06-30: 7.2 %2021-09-30: 7.3 %2021-12-31: 7.3 %2022-03-31: 7.5 %2022-06-30: 7.7 %2022-09-30: 7.9 %2022-12-31: 8 %2023-03-31: 8.1 %2023-06-30: 8.2 %2023-09-30: 8.2 %2023-12-31: 8.1 %2024-03-31: 8 %2024-06-30: 8 %2024-09-30: 8 %2024-12-31: 7.9 %2025-03-31: 7.9 %2025-06-30: 7.9 %2025-09-30: 7.9 %2025-12-31: 8 %31 Mar 199915 Aug 201231 Dec 2025

Showing periods 1–108 of 108 in this date range. Each chart page contains at most 180 original periods; values are not downsampled. All retained snapshot-selected periods are available.

Uses snapshot-selected vintages. The final eight exact values in this window are tabulated above. The pinned JSON query provides all matching observations and provenance; follow its cursor for further pages.

Snapshot identity & machine-readable report
Snapshot
ero_us_macro_financial_20260910T003539Z_f004bde27e96
Profile version
10.0.0
Generated
10 Sep 2026 · 00:47 UTC
Analytical content SHA-256
f004bde27e969e3c81739b5588813c41b24e66d3926e28a0455a2692f9797820
Open the pinned JSON report

Source: U.S. Bureau of Labor Statistics. BLS.gov cannot vouch for the data or analyses derived from these data after the data have been retrieved from BLS.gov. Data access dates are supplied as retrieved_at in canonical observations. Latest retained BLS access: 05 Sep 2026 · 21:45 UTC. BLS source terms

Source: BIS debt service ratio statistics. Model-based estimates. ECO I's calculations and interpretation are its own; BIS does not endorse them. BIS data are provided free of charge with attribution. BIS statistical-use terms