Household debt service ratio
BIS estimate of household and NPISH interest payments and principal amortisation as a percentage of income.
BIS modelled estimates from aggregate debt, income, interest rates and assumed remaining maturities. Includes interest and principal repayments. Better suited to tracking a country over time than comparing absolute levels between countries. Household and corporate coverage is narrower than total private-sector coverage. Household estimates include NPISHs and differ from the Federal Reserve household debt service ratio. Not seasonally adjusted.
Key facts
- Household debt service ratio in the United States was 8% in Q1 2026, according to the Bank for International Settlements.
- The Netherlands had the highest household debt service ratio of 10 EU countries in Q1 2026, at 13.1%, and Italy the lowest, at 4.2%. Source: the Bank for International Settlements.
- Published for 17 places, with figures from Q1 1999 to Q1 2026.
Rankings
EU countries by household debt service ratio, Q1 2026
Places with data
Countries
- United States
- Japan
- Germany
- United Kingdom
- France
- Italy
- South Korea
- Spain
- Canada
- Australia
- Denmark
- Netherlands
- Norway
- Finland
- Portugal
- Belgium
Use this data in your AI agent
Invokely serves this figure to AI assistants through MCP and to code through a REST API, with the source and citation attached. Ask your assistant:
Which places have the highest household debt service ratio? Use official data and cite it.
rank_places {"indicator":"household_debt_service_ratio","level":"country","within":"European Union (27)"}
GET https://invokely.ai/api/v1/rank?indicator=household_debt_service_ratio&level=country&within=European%20Union%20(27)