← All instruments: the full set 1991
high 11.48 · low 1.41 · now 1.89 · 4 recessions shaded 2026
C12 · HOUSEHOLD STRESS WHERE IT BREAKS FIRST
Single-family mortgage delinquency rate
1.89
STALE ROBUST DRS 95 quarterly as of 2026-01-01
This tile is stale: the value shown is the last one the source published, never a fabricated current number.
The full history
How it is read
- What it measures
- household stress where it breaks first
- Confidence
- ROBUST : a primary official series, mechanically reported.
- Reliability (DRS)
- DRS 95: Commercial-bank book, quarterly since 1991. The transmission tile between the affordability story (section 02) and the credit system.
Where it comes from
FRED ↗ Every number on this site is reproducible from this primary source.
What it read at past stress points
| Lehman, Sep 2008 | 5.27 | ▲ EXTREME |
|---|---|---|
| Q4-2018 selloff | 2.83 | · CALM |
| Curve inversion, Aug 2019 | 2.44 | · CALM |
| COVID crash, Mar 2020 | 2.35 | · CALM |
Questions it helps answer
- The Household : Can households carry their own ledger?
- The Plumbing : Is the banking and credit system carrying its load?