← All instruments — the full set 2005
high 15.85 · low 9.05 · now 11.32 · 2 recessions shaded 2025
S4 · DEBT PAYMENTS / INCOME
Household debt service ratio
11.32
CALM ROBUST z 0.41 DRS 95 quarterly as of 2025-10-01
Where it sits: near the middle of its last decade.
The full history
How it is read
- What it measures
- debt payments / income
- Where it sits
- near the middle of its last decade — at the 58th percentile of its last decade.
- z vs. its window
- 0.41 (strain side: up). 38 observations in the window.
- State rule
- z < 1 CALM · 1 ≤ z < 2 WATCH · z ≥ 2 EXTREME, measured only toward the declared strain side.
- Confidence
- ROBUST — a primary official series, mechanically reported.
- Reliability (DRS)
- DRS 95
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 | 15.55 | — |
|---|---|---|
| Q4-2018 selloff | 11.67 | · CALM |
| Curve inversion, Aug 2019 | 11.65 | · CALM |
| COVID crash, Mar 2020 | 11.59 | · CALM |
Questions it helps answer
- The Household — Can households carry their own ledger?