U.S. mortgage debt service ratio 2025| ��ƽ��

Mortgage debt service payments as a percentage of disposable household income in the United States from 1st quarter 1980 to 4th quarter 2025

Characteristic	Mortgage debt service ratio
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Release date

March 2026

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Region

United States

Survey time period

Q1 1980 to Q4 2025

Special properties

seasonally adjusted

Supplementary notes

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

Citation formats

The mortgage debt service ratio in the United States remained fairly stable in 2025, 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 2025, the total required mortgage payments amounted to approximately **** percent of disposable personal income. Although this level was substantially lower than the peak recorded during the subprime mortgage crisis, it represented an increase of 23 basis points compared to the same quarter in 2024.

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�����ƽ��

Mortgage debt service payments as a percentage of disposable household income in the United States from 1st quarter 1980 to 4th quarter 2025

Other statistics on the topicMortgage industry in the U.S.

Statistics on " Mortgage industry of the United States "

Other statistics that may interest you Mortgage industry of the United States

Further Content: You might find this interesting as well

Topics

��ƽ��

Other statistics on the topic
Mortgage industry in the U.S.

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