Required household debt payments relative to disposable income, with the publisher’s method and coverage.
Retained evidence in its native reporting frequency. Values do not become daily observations when the page refreshes.
Published household estimate
Debt-service / solvency
How much household income is committed to required debt payments?
11.16%
2026Q1 · quarterly · latest retained evidence
Published household statistics: quarterly estimated payment-burden history. Business payment coverage and aggregate solvency remain separate questions.
How to read it: Higher means more household income committed to required debt payments; lower means less. There is no universal safe cutoff.
Latest retained reading: 2026Q1: about $11.16 in required debt payments per $100 of household disposable income. This aggregate does not identify which households are in distress.
Household payment burden
Y axis: Required household payments / disposable income (%)
X axis: calendar dates; each series retains its own observation or simulation cadence.
Named US recession intervals provide historical context. They do not identify the cause of each change.
Household required debt payments / disposable income
Read values as a table
Retained-vintage observations, plotted at period end. Connecting points does not create daily observations. Fiscal years end September 30. Units: % of disposable personal income.
Date / observation period
Household required debt payments / disposable income
2016Q1
11.76
2016Q2
11.77
2016Q3
11.77
2016Q4
11.87
2017Q1
11.72
2017Q2
11.76
2017Q3
11.82
2017Q4
11.82
2018Q1
11.64
2018Q2
11.6
2018Q3
11.62
2018Q4
11.67
2019Q1
11.5
2019Q2
11.63
2019Q3
11.65
2019Q4
11.73
2020Q1
11.59
2020Q2
9.74
2020Q3
10.06
2020Q4
10.39
2021Q1
9.05
2021Q2
9.84
2021Q3
10.01
2021Q4
10.23
2022Q1
10.47
2022Q2
10.68
2022Q3
10.57
2022Q4
10.74
2023Q1
10.56
2023Q2
10.58
2023Q3
10.75
2023Q4
11.1
2024Q1
11.06
2024Q2
11.02
2024Q3
11.14
2024Q4
11.12
2025Q1
11.11
2025Q2
11.12
2025Q3
11.23
2025Q4
11.32
2026Q1
11.16
How to use it: Publisher estimate of the aggregate household payment burden. Required payments differ from payments actually made and from business debt service.
Definition, coverage and source dates
Household required debt payments / disposable income: Zero means no required payments in this ratio, not a safe-economy threshold. There is no calibrated risk cutoff. A larger aggregate share of household disposable income is committed to required payments. Units: % of disposable personal income; cadence: quarterly.
Households only; not corporate debt service or all private borrowers.
An aggregate ratio conceals unequal income, debt and liquid buffers.
No pre-2005 method splice or daily interpolation.
OUR RETRIEVAL RETURNED TEXT STATING that quarterly values computed with the current methodology are available FROM 2005 FORWARD. This matches the pack exactly: 85 quarterly observations, 2005-01-01 through 2026-01-01
OUR RETRIEVAL RETURNED NO STATEMENT of when the current methodology was introduced, revised or first applied - only of when values computed with it are available. A CONVERSION THAT CAN DROP CONTENT CANNOT DISTINGUISH AN ABSENCE AT THE SOURCE FROM AN ABSENCE IN THE RENDERING, so this is NOT evidence that the page is silent; it is evidence that what reached us was. No method-vintage is recorded here either way
Historical values use the retained current vintage; they are not an archive of the values known or published at each historical date.
Refresh: retained-data release; automated source checking is not connected to this panel. It may omit newer releases. Consult the source dates and vintages above.
