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).

Housing tenure refers to the family's principal place of residence during the survey. "Owner" includes families living in their own homes, cooperatives or condominium apartments, or townhouses. "Renter" includes families paying rent, as well as families living rent-free in lieu of wages. For more details about the data or the survey, visit the FAQs (https://www.bls.gov/cex/csxfaqs.htm).

Housing tenure refers to the family's principal place of residence during the survey. "Owner" includes families living in their own homes, cooperatives or condominium apartments, or townhouses. "Renter" includes families paying rent, as well as families living rent-free in lieu of wages. For more details about the data or the survey, visit the FAQs (https://www.bls.gov/cex/csxfaqs.htm).