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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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    Line 1 - Household Debt Service Payments as a Percent of Disposable Personal Income
    Line 2
    (a) Real Gross Domestic Product, Billions of Chained 2017 Dollars, Seasonally Adjusted Annual Rate (GDPC1)
    BEA Account Code: A191RX Real gross domestic product is the inflation adjusted value of the goods and services produced by labor and property located in the United States.For more information see the Guide to the National Income and Product Accounts of the United States (NIPA). For more information, please visit the Bureau of Economic Analysis (http://www.bea.gov/national/pdf/nipaguid.pdf).

    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
      Real Gross Domestic Product
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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 7, 2025.

      Real Gross Domestic Product  (GDPC1)

      Source: U.S. Bureau of Economic Analysis  

      Release: Gross Domestic Product  

      Units:  Billions of Chained 2017 Dollars, Seasonally Adjusted Annual Rate

      Frequency:  Quarterly

      Notes:

      BEA Account Code: A191RX

      Real gross domestic product is the inflation adjusted value of the goods and services produced by labor and property located in the United States.For more information see the Guide to the National Income and Product Accounts of the United States (NIPA). For more information, please visit the Bureau of Economic Analysis.

      Suggested Citation:

      U.S. Bureau of Economic Analysis, Real Gross Domestic Product [GDPC1], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/GDPC1, April 7, 2025.

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      Gross Domestic Product

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      Annual, Not Seasonally Adjusted Quarterly, Not Seasonally Adjusted Index 2017=100, Quarterly, Not Seasonally Adjusted Percent Change from Preceding Period, Annual, Not Seasonally Adjusted Percent Change from Preceding Period, Quarterly, Seasonally Adjusted Annual Rate Percent Change from Quarter One Year Ago, Quarterly, Not Seasonally Adjusted Percent Change from Quarter One Year Ago, Quarterly, Seasonally Adjusted

      Related Categories

      Housing Production & Business Activity GDP/GNP National Income & Product Accounts National Accounts

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      More Series from Household Debt Service Ratios 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 Headline Figure National Income and Product Accounts Real Bureau of Economic Analysis Gross Domestic Product

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