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Line 1 - Household Debt Service Payments as a Percent of Disposable Personal Income
Line 1
(a) Household Debt Service Payments as a Percent of Disposable Personal Income, Percent, Seasonally Adjusted (TDSP)
The Household Debt Service Ratio (DSR) (https://fred.stlouisfed.org/series/TDSP) is the ratio of total required household debt payments to total disposable income. The DSR is divided into two parts. The Mortgage DSR (MDSP) (https://fred.stlouisfed.org/series/MDSP) is total quarterly required mortgage payments divided by total quarterly disposable personal income. The Consumer DSR (CDSP) (https://fred.stlouisfed.org/series/CDSP) is total quarterly scheduled consumer debt payments divided by total quarterly disposable personal income. The Mortgage DSR and the Consumer DSR sum to the DSR. For more information, please visit the Board of Governors (https://www.federalreserve.gov/releases/housedebt/about.htm).

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    Use the assigned data series variables (a, b, c, etc.) together with operators (+, -, *, /, ^, etc.), parentheses and constants (1, 1.5, 2, etc.) to create your own formula (e.g., 1/a, a-b, (a+b)/2, (a/(a+b+c))*100). As noted above, you may add other data series to this line before entering a formula.

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    Line 1 - Household Debt Service Payments as a Percent of Disposable Personal Income
    Line 2
    (a) Households and Nonprofit Organizations; Debt Securities and Loans; Liability, Level, Billions of Dollars, Seasonally Adjusted (CMDEBT)
    Source ID: LA154104005.Q For more information about the Flow of Funds tables, see the Financial Accounts Guide (https://www.federalreserve.gov/apps/fof/Default.aspx). With each quarterly release, the source may make major data and structural revisions to the series and tables. These changes are available in the Release Highlights (https://www.federalreserve.gov/apps/fof/FOFHighlight.aspx). In the Financial Accounts, the source identifies each series by a string of patterned letters and numbers. For a detailed description, including how this series is constructed, see the series analyzer (https://www.federalreserve.gov/apps/fof/SeriesAnalyzer.aspx?s=LA154104005&t=) provided by the source.

    Select a date that will equal 100 for your custom index:
      Enter date as YYYY-MM-DD
    (b) Monetary interest paid: Households, Billions of Dollars, Not Seasonally Adjusted (W292RC1A027NBEA)
    BEA Account Code: W292RC For more information about this series, please see http://www.bea.gov/national/.

    Select a date that will equal 100 for your custom index:
      Enter date as YYYY-MM-DD
    (c) Disposable personal income, Billions of Dollars, Not Seasonally Adjusted (A067RC1A027NBEA)
    BEA Account Code: A067RC For more information about this series, please see http://www.bea.gov/national/.

    Select a date that will equal 100 for your custom index:
      Enter date as YYYY-MM-DD
    to

    Write a custom formula to transform one or more series or combine two or more series.

    You can begin by adding a series to combine with your existing series.

    Type keywords to search for data

      Now create a custom formula to combine or transform the series.

      For example, invert an exchange rate by using formula 1/a, where “a” refers to the first FRED data series added to this line. Or calculate the spread between 2 interest rates, a and b, by using the formula a - b.

      Use the assigned data series variables (a, b, c, etc.) together with operators (+, -, *, /, ^, etc.), parentheses and constants (1, 1.5, 2, etc.) to create your own formula (e.g., 1/a, a-b, (a+b)/2, (a/(a+b+c))*100). As noted above, you may add other data series to this line before entering a formula.

      Finally, you can change the units of your new series.

      Select a date that will equal 100 for your custom index:
          Enter date as YYYY-MM-DD

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      Line 1
      Household Debt Service Payments as a Percent of Disposable Personal Income
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      Line 2
      (0.046*Households and Nonprofit Organizations; Debt Securities and Loans; Liability, Level + Monetary interest paid: Households) *100/ Disposable personal income
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      Notes

      Household Debt Service Payments as a Percent of Disposable Personal Income  (TDSP)

      Source: Board of Governors of the Federal Reserve System (US)  

      Release: Household Debt Service Ratios  

      Units:  Percent, Seasonally Adjusted

      Frequency:  Quarterly

      Notes:

      The Household Debt Service Ratio (DSR) is the ratio of total required household debt payments to total disposable income.

      The DSR is divided into two parts. The Mortgage DSR (MDSP) is total quarterly required mortgage payments divided by total quarterly disposable personal income. The Consumer DSR (CDSP) is total quarterly scheduled consumer debt payments divided by total quarterly disposable personal income. The Mortgage DSR and the Consumer DSR sum to the DSR.

      For more information, please visit the Board of Governors.

      Suggested Citation:

      Board of Governors of the Federal Reserve System (US), Household Debt Service Payments as a Percent of Disposable Personal Income [TDSP], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/TDSP, April 4, 2025.

      Households and Nonprofit Organizations; Debt Securities and Loans; Liability, Level  (CMDEBT)

      Source: Board of Governors of the Federal Reserve System (US)  

      Release: Z.1 Financial Accounts of the United States  

      Units:  Billions of Dollars, Seasonally Adjusted

      Frequency:  Quarterly, End of Period

      Notes:

      Source ID: LA154104005.Q

      For more information about the Flow of Funds tables, see the Financial Accounts Guide.

      With each quarterly release, the source may make major data and structural revisions to the series and tables. These changes are available in the Release Highlights.

      In the Financial Accounts, the source identifies each series by a string of patterned letters and numbers. For a detailed description, including how this series is constructed, see the series analyzer provided by the source.

      Suggested Citation:

      Board of Governors of the Federal Reserve System (US), Households and Nonprofit Organizations; Debt Securities and Loans; Liability, Level [CMDEBT], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/CMDEBT, April 4, 2025.

      Monetary interest paid: Households  (W292RC1A027NBEA)

      Source: U.S. Bureau of Economic Analysis  

      Release: Gross Domestic Product  

      Units:  Billions of Dollars, Not Seasonally Adjusted

      Frequency:  Annual

      Notes:

      BEA Account Code: W292RC

      For more information about this series, please see http://www.bea.gov/national/.

      Suggested Citation:

      U.S. Bureau of Economic Analysis, Monetary interest paid: Households [W292RC1A027NBEA], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/W292RC1A027NBEA, April 4, 2025.

      Disposable personal income  (A067RC1A027NBEA)

      Source: U.S. Bureau of Economic Analysis  

      Release: Gross Domestic Product  

      Units:  Billions of Dollars, Not Seasonally Adjusted

      Frequency:  Annual

      Notes:

      BEA Account Code: A067RC

      For more information about this series, please see http://www.bea.gov/national/.

      Suggested Citation:

      U.S. Bureau of Economic Analysis, Disposable personal income [A067RC1A027NBEA], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/A067RC1A027NBEA, April 4, 2025.

      Release Tables

      Gross Domestic Product
      Z.1 Financial Accounts of the United States

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      Other Formats

      Quarterly, Not Seasonally Adjusted Millions of Dollars, Annual, Not Seasonally Adjusted Millions of Dollars, Annual, Seasonally Adjusted

      Related Categories

      Housing Production & Business Activity D.3 Credit Market Debt Outstanding by Sector Flow of Funds National Accounts Households Industry National Income & Product Accounts Personal Income & Outlays

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      More Series from Household Debt Service Ratios More Series from Z.1 Financial Accounts of the United States More Series from Gross Domestic Product

      Tags

      Disposable Payments Debt Personal Income Percent Personal Households Services Income Board of Governors Quarterly Seasonally Adjusted Nation Public Domain: Citation Requested United States of America Credit Market Liabilities Sector Z.1 US Financial Accounts Paid National Income and Product Accounts Interest Bureau of Economic Analysis Gross Domestic Product Annual Not Seasonally Adjusted

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