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House Hold Debt Service Ratio

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What is the House Hold Debt Service Ratio?

The FED provides the House Hold Debt Service Ratio on a Quarterly Basis.

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.

  1. The Mortgage DSR (MDSP) is total quarterly required mortgage payments divided by total quarterly disposable personal income.
  2. 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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