# Household debt service ratio

BIS estimate of household and NPISH interest payments and principal amortisation as a percentage of income.

## 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.
- Figures last updated on 2026-10-12.

- Indicator id: `household_debt_service_ratio`
- Unit: %
- Note: 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.
- Web page: https://invokely.ai/en/household-debt-service-ratio
- API: https://invokely.ai/api/v1/indicators/household_debt_service_ratio

## Latest figures

| Place | Period | % | Source |
|---|---|---:|---|
| United States | 2026-Q1 | 8 | Bank for International Settlements (BIS), compiled from central bank and other national sources. BIS WS_DSR: H, quarterly, household debt service ratio. https://stats.bis.org/api/v2/data/dataflow/BIS/WS_DSR/1.0/Q.AD+AE+AF+AG+AI+AL+AM+AO+AQ+AR+AS+AT+AU+AW+AX+AZ+BA+BB+BD+BE+BF+BG+BH+BI+BJ+BL+BM+BN+BO+BQ+BR+BS+BT+BV+BW+BY+BZ+CA+CC+CD+CF+CG+CH+CI+CK+CL+CM+CN+CO+CR+CU+CV+CW+CX+CY+CZ+DE+DJ+DK+DM+DO+DZ+EC+EE+EG+EH+ER+ES+ET+FI+FJ+FK+FM+FO+FR+GA+GB+GD+GE+GF+GG+GH+GI+GL+GM+GN+GP+GQ+GR+GS+GT+GU+GW+GY+HK+HM+HN+HR+HT+HU+ID+IE+IL+IM+IN+IO+IQ+IR+IS+IT+JE+JM+JO+JP+KE+KG+KH+KI+KM+KN+KP+KR+KW+KY+KZ+LA+LB+LC+LI+LK+LR+LS+LT+LU+LV+LY+MA+MC+MD+ME+MF+MG+MH+MK+ML+MM+MN+MO+MP+MQ+MR+MS+MT+MU+MV+MW+MX+MY+MZ+NA+NC+NE+NF+NG+NI+NL+NO+NP+NR+NU+NZ+OM+PA+PE+PF+PG+PH+PK+PL+PM+PN+PR+PS+PT+PW+PY+QA+RE+RO+RS+RU+RW+SA+SB+SC+SD+SE+SG+SH+SI+SJ+SK+SL+SM+SN+SO+SR+SS+ST+SV+SX+SY+SZ+TC+TD+TF+TG+TH+TJ+TK+TL+TM+TN+TO+TR+TT+TV+TW+TZ+UA+UG+UM+US+UY+UZ+VA+VC+VE+VG+VI+VN+VU+WF+WS+YE+YT+ZA+ZM+ZW.H?format=csv&startPeriod=1999-Q1. Retrieved 2026-10-12. |

## Rankings

- [EU countries](https://invokely.ai/rankings/household-debt-service-ratio/eu-countries.md) (10 places)