Data / Household debt service ratio / Canada

Household debt service ratio in Canada

Household debt service ratio in Canada was 14% in Q1 2026, according to the Bank for International Settlements. That is unchanged from Q1 2025.

Q1 202614% Estimated
Change on Q1 20250 pts
Series high14.6Q2 2023
Series low10.3Q1 2002
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Household debt service ratio in Canada, Q1 1999 to Q1 2026

1011121314151999-Q12003-Q12007-Q12011-Q12015-Q12019-Q12023-Q12026-Q11999-Q1: 10.8 %1999-Q2: 10.7 %1999-Q3: 10.6 %1999-Q4: 10.7 %2000-Q1: 10.9 %2000-Q2: 11.1 %2000-Q3: 11.2 %2000-Q4: 11.2 %2001-Q1: 11.1 %2001-Q2: 10.9 %2001-Q3: 10.7 %2001-Q4: 10.5 %2002-Q1: 10.3 %2002-Q2: 10.3 %2002-Q3: 10.4 %2002-Q4: 10.6 %2003-Q1: 10.4 %2003-Q2: 10.5 %2003-Q3: 10.8 %2003-Q4: 10.8 %2004-Q1: 10.9 %2004-Q2: 11 %2004-Q3: 11 %2004-Q4: 11 %2005-Q1: 11.2 %2005-Q2: 11.4 %2005-Q3: 11.6 %2005-Q4: 11.6 %2006-Q1: 11.9 %2006-Q2: 12.1 %2006-Q3: 12.3 %2006-Q4: 12.5 %2007-Q1: 12.6 %2007-Q2: 12.8 %2007-Q3: 13 %2007-Q4: 13.3 %2008-Q1: 13.3 %2008-Q2: 13.3 %2008-Q3: 13.2 %2008-Q4: 12.9 %2009-Q1: 12.7 %2009-Q2: 12.6 %2009-Q3: 12.7 %2009-Q4: 12.8 %2010-Q1: 12.7 %2010-Q2: 12.8 %2010-Q3: 12.8 %2010-Q4: 12.8 %2011-Q1: 12.9 %2011-Q2: 12.8 %2011-Q3: 12.9 %2011-Q4: 12.9 %2012-Q1: 12.8 %2012-Q2: 12.8 %2012-Q3: 12.8 %2012-Q4: 12.7 %2013-Q1: 12.7 %2013-Q2: 12.7 %2013-Q3: 12.7 %2013-Q4: 12.6 %2014-Q1: 12.6 %2014-Q2: 12.6 %2014-Q3: 12.7 %2014-Q4: 12.7 %2015-Q1: 12.6 %2015-Q2: 12.5 %2015-Q3: 12.6 %2015-Q4: 12.6 %2016-Q1: 12.7 %2016-Q2: 12.9 %2016-Q3: 13 %2016-Q4: 13.1 %2017-Q1: 13.1 %2017-Q2: 13.1 %2017-Q3: 13.2 %2017-Q4: 13.2 %2018-Q1: 13.2 %2018-Q2: 13.4 %2018-Q3: 13.5 %2018-Q4: 13.7 %2019-Q1: 13.7 %2019-Q2: 13.7 %2019-Q3: 13.7 %2019-Q4: 13.7 %2020-Q1: 13.5 %2020-Q2: 12.9 %2020-Q3: 12.7 %2020-Q4: 12.6 %2021-Q1: 12.4 %2021-Q2: 12.8 %2021-Q3: 12.8 %2021-Q4: 12.8 %2022-Q1: 12.9 %2022-Q2: 13.3 %2022-Q3: 13.8 %2022-Q4: 14.1 %2023-Q1: 14.4 %2023-Q2: 14.6 %2023-Q3: 14.6 %2023-Q4: 14.6 %2024-Q1: 14.6 %2024-Q2: 14.6 %2024-Q3: 14.4 %2024-Q4: 14.2 %2025-Q1: 14 %2025-Q2: 14 %2025-Q3: 14 %2025-Q4: 14 %2026-Q1: 14 %101214161999-Q12008-Q22017-Q32026-Q12026-Q1: 14 %
%. Source: BIS, BIS WS_DSR: H, quarterly, household debt service ratio. Retrieved 2026-10-12.
All 109 values
Period%
2026-Q114 Estimated
2025-Q414 Estimated
2025-Q314 Estimated
2025-Q214 Estimated
2025-Q114 Estimated
2024-Q414.2 Estimated
2024-Q314.4 Estimated
2024-Q214.6 Estimated
2024-Q114.6 Estimated
2023-Q414.6 Estimated
2023-Q314.6 Estimated
2023-Q214.6 Estimated
2023-Q114.4 Estimated
2022-Q414.1 Estimated
2022-Q313.8 Estimated
2022-Q213.3 Estimated
2022-Q112.9 Estimated
2021-Q412.8 Estimated
2021-Q312.8 Estimated
2021-Q212.8 Estimated
2021-Q112.4 Estimated
2020-Q412.6 Estimated
2020-Q312.7 Estimated
2020-Q212.9 Estimated
2020-Q113.5 Estimated
2019-Q413.7 Estimated
2019-Q313.7 Estimated
2019-Q213.7 Estimated
2019-Q113.7 Estimated
2018-Q413.7 Estimated
2018-Q313.5 Estimated
2018-Q213.4 Estimated
2018-Q113.2 Estimated
2017-Q413.2 Estimated
2017-Q313.2 Estimated
2017-Q213.1 Estimated
2017-Q113.1 Estimated
2016-Q413.1 Estimated
2016-Q313 Estimated
2016-Q212.9 Estimated
2016-Q112.7 Estimated
2015-Q412.6 Estimated
2015-Q312.6 Estimated
2015-Q212.5 Estimated
2015-Q112.6 Estimated
2014-Q412.7 Estimated
2014-Q312.7 Estimated
2014-Q212.6 Estimated
2014-Q112.6 Estimated
2013-Q412.6 Estimated
2013-Q312.7 Estimated
2013-Q212.7 Estimated
2013-Q112.7 Estimated
2012-Q412.7 Estimated
2012-Q312.8 Estimated
2012-Q212.8 Estimated
2012-Q112.8 Estimated
2011-Q412.9 Estimated
2011-Q312.9 Estimated
2011-Q212.8 Estimated
2011-Q112.9 Estimated
2010-Q412.8 Estimated
2010-Q312.8 Estimated
2010-Q212.8 Estimated
2010-Q112.7 Estimated
2009-Q412.8 Estimated
2009-Q312.7 Estimated
2009-Q212.6 Estimated
2009-Q112.7 Estimated
2008-Q412.9 Estimated
2008-Q313.2 Estimated
2008-Q213.3 Estimated
2008-Q113.3 Estimated
2007-Q413.3 Estimated
2007-Q313 Estimated
2007-Q212.8 Estimated
2007-Q112.6 Estimated
2006-Q412.5 Estimated
2006-Q312.3 Estimated
2006-Q212.1 Estimated
2006-Q111.9 Estimated
2005-Q411.6 Estimated
2005-Q311.6 Estimated
2005-Q211.4 Estimated
2005-Q111.2 Estimated
2004-Q411 Estimated
2004-Q311 Estimated
2004-Q211 Estimated
2004-Q110.9 Estimated
2003-Q410.8 Estimated
2003-Q310.8 Estimated
2003-Q210.5 Estimated
2003-Q110.4 Estimated
2002-Q410.6 Estimated
2002-Q310.4 Estimated
2002-Q210.3 Estimated
2002-Q110.3 Estimated
2001-Q410.5 Estimated
2001-Q310.7 Estimated
2001-Q210.9 Estimated
2001-Q111.1 Estimated
2000-Q411.2 Estimated
2000-Q311.2 Estimated
2000-Q211.1 Estimated
2000-Q110.9 Estimated
1999-Q410.7 Estimated
1999-Q310.6 Estimated
1999-Q210.7 Estimated
1999-Q110.8 Estimated

Canada compared with nearby places

Australia: 15.7 %Belgium: 7.1 %Canada: 14 %Germany: 5.4 %Denmark: 11.9 %Spain: 5.1 %Finland: 7.4 %France: 6 %United Kingdom: 8.8 %Italy: 4.2 %Japan: 7.5 %South Korea: 11.5 %Netherlands: 13.1 %Norway: 20.9 %Portugal: 5.9 %Sweden: 11.4 %United States: 8 %
  • Under 5.9
  • 5.9 to 7.4
  • 7.4 to 10
  • 10 to 13
  • 13 and over
  • No data
Household debt service ratio, Q1 2026, %. Canada is outlined. Same source and period for every area shown. Source: Bank for International Settlements. Boundaries: Natural Earth (public domain).

Rankings

Definition

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.

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How to cite

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.

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

Bank for International Settlements. (n.d.). BIS WS_DSR: H, quarterly, household debt service ratio (Household debt service ratio, Canada, 1999-Q1 to 2026-Q1) [Data set]. Retrieved October 12, 2026, from 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

MLA 9

BIS WS_DSR: H, quarterly, household debt service ratio, Household debt service ratio, Canada, 1999-Q1 to 2026-Q1. Bank for International Settlements, 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. Invokely, https://invokely.ai/en/household-debt-service-ratio/canada. Accessed 12 Oct. 2026.

Chicago (author-date)

Bank for International Settlements. n.d. BIS WS_DSR: H, quarterly, household debt service ratio. Household debt service ratio, Canada, 1999-Q1 to 2026-Q1. Dataset. Accessed October 12, 2026. 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. Also distributed by Invokely, https://invokely.ai/en/household-debt-service-ratio/canada.

Harvard

Bank for International Settlements (no date) BIS WS_DSR: H, quarterly, household debt service ratio, Household debt service ratio, Canada, 1999-Q1 to 2026-Q1 [Dataset]. Available at: 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, via Invokely: https://invokely.ai/en/household-debt-service-ratio/canada (Accessed: 12 October 2026).

BibTeX
@misc{bank_household_debt_service_ratio_2026,
  author = {{Bank for International Settlements}},
  title = {{BIS WS\_DSR: H, quarterly, household debt service ratio: Household debt service ratio, Canada, 1999-Q1 to 2026-Q1}},
  howpublished = {Data set},
  url = {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},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/en/household-debt-service-ratio/canada. Publisher attribution: 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.},
}
RIS
TY  - DATA
AU  - Bank for International Settlements
TI  - BIS WS_DSR: H, quarterly, household debt service ratio: Household debt service ratio, Canada, 1999-Q1 to 2026-Q1
PB  - Bank for International Settlements
DB  - Invokely
UR  - 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
L2  - https://invokely.ai/en/household-debt-service-ratio/canada
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/household-debt-service-ratio/canada.
N1  - Publisher attribution: 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.
ER  -
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Questions

What is the household debt service ratio in Canada?

Household debt service ratio in Canada was 14% in Q1 2026, according to the Bank for International Settlements. That is unchanged from Q1 2025.

Where does this figure come from?

Bank for International Settlements. BIS WS_DSR: H, quarterly, household debt service ratio. Retrieved by Invokely on 2026-10-12.

What was the highest household debt service ratio in Canada?

14.6% in Q2 2023, the highest value since Q1 1999 in this series.

Household debt service ratio in other countries

Related statistics for Canada

All statistics for Canada | Canada in figures