Household Debt Service and Financial Obligations Ratios
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The financial obligations ratio (FOR) adds automobile lease payments, rental payments on tenant-occupied property, homeowners' insurance, and property tax payments to the debt service ratio. |
Homeowner and renter FORs are calculated by applying homeowner and renter shares of payments and income derived from the Survey of Consumer Finances and Current Population Survey to the numerator and denominator of the FOR. |
The homeowner mortgage FOR includes payments on mortgage debt, homeowners' insurance, and property taxes, while the homeowner consumer FOR includes payments on consumer debt and automobile leases. |
NOTE: The 2006 Q2 release incorporates data from the 2005 quinquennial finance company survey, NIPA annual revisions, historical revisions to mortgage data in the Flow of Funds Accounts, and new seasonal factors. Revisions extend back to 1980. For additional information on the 2005 quinquennial finace company survey, please see this summary. |
Quarter | DSR |
FOR |
||||
---|---|---|---|---|---|---|
Total | Renter |
Homeowner |
||||
Total | Mortgage | Consumer | ||||
80q1 | 11.13 | 15.90 | 24.57 | 13.77 | 8.12 | 5.65 |
80q2 | 11.16 | 16.02 | 24.54 | 13.92 | 8.37 | 5.55 |
80q3 | 10.88 | 15.72 | 23.92 | 13.68 | 8.37 | 5.30 |
80q4 | 10.58 | 15.37 | 23.62 | 13.33 | 8.28 | 5.05 |
81q1 | 10.62 | 15.44 | 23.67 | 13.41 | 8.41 | 4.99 |
81q2 | 10.73 | 15.62 | 24.00 | 13.55 | 8.57 | 4.99 |
81q3 | 10.60 | 15.46 | 23.91 | 13.38 | 8.51 | 4.88 |
81q4 | 10.64 | 15.56 | 24.09 | 13.46 | 8.62 | 4.85 |
82q1 | 10.71 | 15.67 | 23.66 | 13.65 | 8.81 | 4.85 |
82q2 | 10.75 | 15.71 | 23.17 | 13.79 | 8.91 | 4.87 |
82q3 | 10.66 | 15.64 | 22.64 | 13.77 | 8.92 | 4.86 |
82q4 | 10.61 | 15.64 | 22.27 | 13.82 | 8.97 | 4.86 |
83q1 | 10.57 | 15.60 | 22.39 | 13.75 | 8.92 | 4.83 |
83q2 | 10.57 | 15.59 | 22.45 | 13.73 | 8.90 | 4.83 |
83q3 | 10.57 | 15.57 | 22.58 | 13.70 | 8.86 | 4.84 |
83q4 | 10.62 | 15.59 | 22.70 | 13.71 | 8.84 | 4.87 |
84q1 | 10.64 | 15.55 | 22.65 | 13.68 | 8.80 | 4.88 |
84q2 | 10.76 | 15.64 | 22.87 | 13.76 | 8.80 | 4.97 |
84q3 | 10.85 | 15.75 | 23.28 | 13.82 | 8.79 | 5.03 |
84q4 | 10.98 | 15.95 | 23.75 | 13.96 | 8.86 | 5.09 |
85q1 | 11.29 | 16.35 | 24.33 | 14.32 | 9.09 | 5.23 |
85q2 | 11.38 | 16.44 | 24.56 | 14.39 | 9.12 | 5.27 |
85q3 | 11.74 | 16.95 | 25.34 | 14.82 | 9.36 | 5.46 |
85q4 | 11.85 | 17.10 | 25.71 | 14.94 | 9.42 | 5.51 |
86q1 | 11.87 | 17.11 | 25.71 | 14.95 | 9.44 | 5.51 |
86q2 | 11.97 | 17.25 | 26.03 | 15.06 | 9.48 | 5.58 |
86q3 | 12.12 | 17.44 | 26.27 | 15.24 | 9.55 | 5.69 |
86q4 | 12.29 | 17.68 | 26.50 | 15.48 | 9.71 | 5.77 |
87q1 | 12.13 | 17.59 | 26.40 | 15.40 | 9.69 | 5.71 |
87q2 | 12.29 | 17.84 | 26.63 | 15.66 | 9.90 | 5.76 |
87q3 | 12.16 | 17.66 | 26.49 | 15.48 | 9.80 | 5.69 |
87q4 | 12.01 | 17.46 | 26.34 | 15.29 | 9.68 | 5.61 |
88q1 | 11.95 | 17.36 | 26.05 | 15.23 | 9.67 | 5.56 |
88q2 | 11.94 | 17.31 | 25.78 | 15.23 | 9.70 | 5.53 |
88q3 | 11.90 | 17.24 | 25.58 | 15.20 | 9.72 | 5.48 |
88q4 | 11.77 | 17.10 | 25.44 | 15.06 | 9.63 | 5.43 |
89q1 | 11.73 | 16.99 | 25.03 | 15.03 | 9.64 | 5.38 |
89q2 | 11.92 | 17.21 | 25.07 | 15.28 | 9.81 | 5.46 |
89q3 | 12.02 | 17.32 | 24.95 | 15.43 | 9.96 | 5.48 |
89q4 | 12.05 | 17.36 | 24.80 | 15.51 | 10.04 | 5.47 |
90q1 | 11.99 | 17.29 | 24.67 | 15.44 | 10.07 | 5.36 |
90q2 | 11.98 | 17.28 | 24.66 | 15.43 | 10.11 | 5.31 |
90q3 | 11.97 | 17.30 | 24.72 | 15.43 | 10.16 | 5.27 |
90q4 | 11.99 | 17.37 | 24.71 | 15.51 | 10.30 | 5.20 |
91q1 | 11.96 | 17.38 | 24.53 | 15.54 | 10.39 | 5.15 |
91q2 | 11.82 | 17.25 | 24.25 | 15.43 | 10.39 | 5.04 |
91q3 | 11.72 | 17.16 | 24.07 | 15.35 | 10.40 | 4.95 |
91q4 | 11.53 | 16.97 | 23.67 | 15.19 | 10.33 | 4.86 |
92q1 | 11.29 | 16.69 | 23.56 | 14.87 | 10.15 | 4.72 |
92q2 | 11.14 | 16.54 | 23.52 | 14.70 | 10.04 | 4.66 |
92q3 | 10.99 | 16.39 | 23.44 | 14.54 | 9.93 | 4.61 |
92q4 | 10.80 | 16.16 | 23.41 | 14.28 | 9.73 | 4.55 |
93q1 | 11.02 | 16.47 | 24.00 | 14.52 | 9.90 | 4.62 |
93q2 | 10.84 | 16.22 | 23.79 | 14.27 | 9.69 | 4.58 |
93q3 | 10.90 | 16.32 | 23.88 | 14.37 | 9.71 | 4.66 |
93q4 | 10.79 | 16.19 | 23.90 | 14.22 | 9.55 | 4.67 |
94q1 | 10.96 | 16.50 | 24.55 | 14.44 | 9.63 | 4.81 |
94q2 | 10.95 | 16.46 | 24.65 | 14.39 | 9.52 | 4.87 |
94q3 | 11.04 | 16.57 | 25.03 | 14.45 | 9.49 | 4.96 |
94q4 | 11.14 | 16.64 | 25.12 | 14.52 | 9.49 | 5.02 |
95q1 | 11.35 | 16.87 | 25.47 | 14.72 | 9.58 | 5.15 |
95q2 | 11.58 | 17.15 | 26.00 | 14.95 | 9.65 | 5.30 |
95q3 | 11.73 | 17.33 | 26.40 | 15.09 | 9.64 | 5.46 |
95q4 | 11.82 | 17.43 | 26.82 | 15.15 | 9.58 | 5.57 |
96q1 | 11.83 | 17.40 | 26.75 | 15.15 | 9.48 | 5.67 |
96q2 | 11.90 | 17.45 | 26.67 | 15.24 | 9.48 | 5.76 |
96q3 | 11.98 | 17.54 | 26.93 | 15.32 | 9.46 | 5.86 |
96q4 | 12.06 | 17.64 | 27.17 | 15.41 | 9.44 | 5.97 |
97q1 | 12.02 | 17.61 | 27.05 | 15.41 | 9.43 | 5.98 |
97q2 | 12.05 | 17.67 | 27.18 | 15.46 | 9.46 | 6.00 |
97q3 | 12.07 | 17.68 | 27.24 | 15.48 | 9.44 | 6.04 |
97q4 | 12.05 | 17.62 | 27.21 | 15.42 | 9.37 | 6.06 |
98q1 | 11.94 | 17.43 | 27.28 | 15.22 | 9.22 | 6.00 |
98q2 | 11.98 | 17.44 | 27.54 | 15.20 | 9.14 | 6.06 |
98q3 | 11.97 | 17.41 | 27.79 | 15.14 | 9.07 | 6.07 |
98q4 | 12.01 | 17.44 | 28.08 | 15.14 | 9.04 | 6.10 |
99q1 | 12.09 | 17.56 | 28.33 | 15.23 | 9.07 | 6.16 |
99q2 | 12.23 | 17.74 | 28.88 | 15.37 | 9.13 | 6.24 |
99q3 | 12.37 | 17.90 | 29.20 | 15.50 | 9.19 | 6.32 |
99q4 | 12.36 | 17.83 | 29.27 | 15.44 | 9.18 | 6.26 |
00q1 | 12.26 | 17.62 | 29.07 | 15.25 | 9.08 | 6.18 |
00q2 | 12.46 | 17.81 | 29.46 | 15.42 | 9.17 | 6.25 |
00q3 | 12.60 | 17.92 | 29.77 | 15.51 | 9.19 | 6.32 |
00q4 | 12.86 | 18.22 | 30.47 | 15.75 | 9.31 | 6.44 |
01q1 | 12.97 | 18.34 | 30.54 | 15.87 | 9.35 | 6.52 |
01q2 | 13.17 | 18.59 | 30.90 | 16.09 | 9.48 | 6.61 |
01q3 | 12.99 | 18.33 | 30.94 | 15.81 | 9.36 | 6.46 |
01q4 | 13.40 | 18.87 | 31.26 | 16.36 | 9.64 | 6.72 |
02q1 | 13.24 | 18.59 | 30.52 | 16.18 | 9.51 | 6.67 |
02q2 | 13.33 | 18.62 | 29.97 | 16.33 | 9.61 | 6.72 |
02q3 | 13.50 | 18.80 | 29.57 | 16.61 | 9.81 | 6.80 |
02q4 | 13.61 | 18.88 | 29.05 | 16.80 | 9.96 | 6.84 |
03q1 | 13.62 | 18.83 | 28.50 | 16.87 | 10.02 | 6.84 |
03q2 | 13.58 | 18.71 | 27.86 | 16.85 | 10.03 | 6.82 |
03q3 | 13.47 | 18.52 | 27.07 | 16.78 | 10.01 | 6.77 |
03q4 | 13.54 | 18.57 | 26.76 | 16.91 | 10.12 | 6.79 |
04q1 | 13.50 | 18.48 | 26.38 | 16.89 | 10.14 | 6.75 |
04q2 | 13.49 | 18.46 | 26.17 | 16.92 | 10.20 | 6.71 |
04q3 | 13.65 | 18.61 | 26.11 | 17.13 | 10.37 | 6.76 |
04q4 | 13.56 | 18.46 | 26.10 | 16.98 | 10.36 | 6.61 |
05q1 | 13.92 | 18.92 | 26.20 | 17.48 | 10.76 | 6.72 |
05q2 | 14.05 | 19.05 | 26.13 | 17.65 | 10.94 | 6.71 |
05q3 | 14.07 | 19.09 | 25.98 | 17.72 | 10.99 | 6.73 |
05q4 | 13.99 | 18.96 | 25.96 | 17.59 | 11.01 | 6.58 |
06q1 | 14.03 | 19.00 | 25.80 | 17.67 | 11.19 | 6.48 |
06q2 | 14.19 | 19.18 | 25.92 | 17.87 | 11.42 | 6.45 |
06q3 | 14.28 | 19.28 | 25.95 | 17.99 | 11.59 | 6.40 |
06q4 | 14.29 | 19.33 | 26.11 | 18.02 | 11.64 | 6.38 |
07q1 | 14.20 | 19.24 | 25.87 | 17.94 | 11.63 | 6.32 |
07q2 | 14.27 | 19.36 | 26.28 | 18.01 | 11.70 | 6.32 |
07q3 | 14.29 | 19.39 | 26.34 | 18.04 | 11.71 | 6.33 |
07q4 | 14.28 | 19.39 | 26.35 | 18.03 | 11.71 | 6.32 |
08q1 | 14.26 | 19.34 | 26.38 | 17.97 | 11.65 | 6.32 |
08q2 | 13.77 | 18.76 | 25.67 | 17.41 | 11.30 | 6.10 |
08q3 | 13.93 | 18.97 | 26.21 | 17.55 | 11.37 | 6.18 |
08q4 | 13.90 | 18.97 | 26.31 | 17.52 | 11.39 | 6.13 |
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