Mortgage debt service ratio of households in the U.S. 1980-2024, by quarter

Published by Statista Research Department, May 14, 2025

The mortgage debt service ratio in the United States remained fairly stable in 2024, after recovering from a dip in 2020 and 2021. The ratio measures the mortgage debt service payments as a percentage of disposable personal income during a specific quarter and shows the financial burden placed on households by mortgage borrowing. In the fourth quarter of 2024, the total required mortgage payments amounted to approximately **** percent of disposable personal income. This was substantially lower than the spike recorded during the subprime mortgage crisis.

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Mortgage debt service payments as a percentage of disposable household income in the United States from 1st quarter 1980 to 4th quarter 2024

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Release date

May 2025

Region

United States

Survey time period

Q1 1980 to Q4 2024

Supplementary notes

The mortgage debt service ratio is the total quarterly required mortgage payments as a share of the total quarterly disposable personal income.

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