FRED Graph

Notes

Mortgage Debt Service Payments as a Percent of Disposable Personal Income (MDSP)

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.

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Suggested Citation:

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

Disposable Personal Income (DSPI)

Source: U.S. Bureau of Economic Analysis

Release: Personal Income and Outlays

Units: Billions of Dollars, Seasonally Adjusted Annual Rate

Frequency: Monthly

Notes:

BEA Account Code: A067RC
A Guide to the National Income and Product Accounts of the United States (NIPA) - (http://www.bea.gov/national/pdf/nipaguid.pdf)

Suggested Citation:

U.S. Bureau of Economic Analysis, Disposable Personal Income [DSPI], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/DSPI, .

30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US)

Source: Freddie Mac

Release: Primary Mortgage Market Survey

Units: Percent, Not Seasonally Adjusted

Frequency: Weekly, Ending Thursday

Notes:

On November 17, 2022, Freddie Mac changed the methodology of the Primary Mortgage Market Survey® (PMMS®). The weekly mortgage rate is now based on applications submitted to Freddie Mac from lenders across the country. For more information regarding Freddie Mac’s enhancement, see their research note.

Data are provided “as is” by Freddie Mac®, with no warranties of any kind, express or implied, including but not limited to warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user’s sole risk. In no event will Freddie Mac be liable for any damages arising out of or related to the data, including but not limited to direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages.

Copyright, 2016, Freddie Mac. Reprinted with permission.

Suggested Citation:

Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States [MORTGAGE30US], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/MORTGAGE30US, .