# Household mortgage debt service ratio in Canada

Household mortgage debt service ratio in Canada was 7.72% in Q2 2026. Source: Statistics Canada.

- Indicator id: `household_mortgage_debt_service_ratio`
- Place id: `ca`
- Unit: %
- Definition: Statistics Canada's ratio of obligated principal and interest payments on Household sector mortgage debt to household disposable income before interest payments. The series is seasonally adjusted at annual rates and expressed as a percentage.
- Note: Statistics Canada's Household sector includes unincorporated enterprises operated by households and excludes NPISH. Obligated principal is estimated as the minimum required payment under repayment-schedule assumptions. Both payment and income flows are annualized, so their ratio is served as published, without multiplying by four. This is an aggregate sector ratio, not an average payment per household.
- Source: Statistics Canada, Table 11-10-0065-01, Debt service indicators of households, national balance sheet accounts: Canada, Seasonally adjusted at annual rates, Mortgage debt service ratio (https://www150.statcan.gc.ca/t1/wds/rest/getDataFromVectorByReferencePeriodRange?vectorIds=1001696814&startRefPeriod=1990-01-01&endReferencePeriod=2026-10-12)
- Publisher page: https://invokely.ai/en/publishers/statistics-canada
- Retrieved: 2026-10-12
- License: Statistics Canada Open Licence: redistribution and sale permitted with the prescribed attribution and no implied endorsement
- Citation: Source: Statistics Canada, Table 11-10-0065-01, Debt service indicators of households, national balance sheet accounts: Canada, Seasonally adjusted at annual rates, Mortgage debt service ratio, reference period 2026-Q2. Reproduced and distributed on an "as is" basis with the permission of Statistics Canada. Adapted from Statistics Canada, Table 11-10-0065-01, Debt service indicators of households, national balance sheet accounts: Canada, Seasonally adjusted at annual rates, Mortgage debt service ratio, reference period 2026-Q2. This does not constitute an endorsement by Statistics Canada of this product. https://www150.statcan.gc.ca/t1/wds/rest/getDataFromVectorByReferencePeriodRange?vectorIds=1001696814&startRefPeriod=1990-01-01&endReferencePeriod=2026-10-12. Retrieved 2026-10-12.
- Web page: https://invokely.ai/en/household-mortgage-debt-service-ratio/canada
- API: https://invokely.ai/api/v1/series?indicator=household_mortgage_debt_service_ratio&place=ca

| Period | % |
|---|---:|
| 2026-Q2 | 7.72 |
| 2026-Q1 | 7.81 |
| 2025-Q4 | 7.83 |
| 2025-Q3 | 7.87 |
| 2025-Q2 | 7.93 |
| 2025-Q1 | 7.88 |
| 2024-Q4 | 7.89 |
| 2024-Q3 | 7.99 |
| 2024-Q2 | 8.21 |
| 2024-Q1 | 8.17 |
| 2023-Q4 | 8.2 |
| 2023-Q3 | 8.19 |
| 2023-Q2 | 8.22 |
| 2023-Q1 | 8.23 |
| 2022-Q4 | 7.84 |
| 2022-Q3 | 7.64 |
| 2022-Q2 | 7.33 |
| 2022-Q1 | 7.18 |
| 2021-Q4 | 7.2 |
| 2021-Q3 | 7.06 |
| 2021-Q2 | 7.06 |
| 2021-Q1 | 6.92 |
| 2020-Q4 | 7.03 |
| 2020-Q3 | 6.75 |
| 2020-Q2 | 6.17 |
| 2020-Q1 | 7.1 |
| 2019-Q4 | 7.19 |
| 2019-Q3 | 7.25 |
| 2019-Q2 | 7.2 |
| 2019-Q1 | 7.23 |
| 2018-Q4 | 7.1 |
| 2018-Q3 | 7.1 |
| 2018-Q2 | 7.04 |
| 2018-Q1 | 6.93 |
| 2017-Q4 | 6.78 |
| 2017-Q3 | 6.7 |
| 2017-Q2 | 6.74 |
| 2017-Q1 | 6.77 |
| 2016-Q4 | 6.7 |
| 2016-Q3 | 6.71 |
| 2016-Q2 | 6.7 |
| 2016-Q1 | 6.63 |
| 2015-Q4 | 6.45 |
| 2015-Q3 | 6.38 |
| 2015-Q2 | 6.35 |
| 2015-Q1 | 6.37 |
| 2014-Q4 | 6.44 |
| 2014-Q3 | 6.39 |
| 2014-Q2 | 6.4 |
| 2014-Q1 | 6.4 |
| 2013-Q4 | 6.34 |
| 2013-Q3 | 6.34 |
| 2013-Q2 | 6.28 |
| 2013-Q1 | 6.25 |
| 2012-Q4 | 6.31 |
| 2012-Q3 | 6.28 |
| 2012-Q2 | 6.29 |
| 2012-Q1 | 6.22 |
| 2011-Q4 | 6.24 |
| 2011-Q3 | 6.27 |
| 2011-Q2 | 6.28 |
| 2011-Q1 | 6.25 |
| 2010-Q4 | 6.21 |
| 2010-Q3 | 6.23 |
| 2010-Q2 | 6.24 |
| 2010-Q1 | 6.09 |
| 2009-Q4 | 6.16 |
| 2009-Q3 | 6.18 |
| 2009-Q2 | 6.23 |
| 2009-Q1 | 6.2 |
| 2008-Q4 | 6.11 |
| 2008-Q3 | 6.2 |
| 2008-Q2 | 6.22 |
| 2008-Q1 | 6.21 |
| 2007-Q4 | 6.26 |
| 2007-Q3 | 6.13 |
| 2007-Q2 | 5.98 |
| 2007-Q1 | 5.82 |
| 2006-Q4 | 5.74 |
| 2006-Q3 | 5.72 |
| 2006-Q2 | 5.71 |
| 2006-Q1 | 5.56 |
| 2005-Q4 | 5.62 |
| 2005-Q3 | 5.56 |
| 2005-Q2 | 5.5 |
| 2005-Q1 | 5.5 |
| 2004-Q4 | 5.37 |
| 2004-Q3 | 5.31 |
| 2004-Q2 | 5.29 |
| 2004-Q1 | 5.33 |
| 2003-Q4 | 5.36 |
| 2003-Q3 | 5.35 |
| 2003-Q2 | 5.32 |
| 2003-Q1 | 5.23 |
| 2002-Q4 | 5.22 |
| 2002-Q3 | 5.22 |
| 2002-Q2 | 5.24 |
| 2002-Q1 | 5.24 |
| 2001-Q4 | 5.23 |
| 2001-Q3 | 5.27 |
| 2001-Q2 | 5.39 |
| 2001-Q1 | 5.28 |
| 2000-Q4 | 5.45 |
| 2000-Q3 | 5.48 |
| 2000-Q2 | 5.55 |
| 2000-Q1 | 5.5 |
| 1999-Q4 | 5.47 |
| 1999-Q3 | 5.43 |
| 1999-Q2 | 5.45 |
| 1999-Q1 | 5.59 |
| 1998-Q4 | 5.78 |
| 1998-Q3 | 5.85 |
| 1998-Q2 | 5.85 |
| 1998-Q1 | 5.94 |
| 1997-Q4 | 5.89 |
| 1997-Q3 | 5.95 |
| 1997-Q2 | 6.12 |
| 1997-Q1 | 6.19 |
| 1996-Q4 | 6.28 |
| 1996-Q3 | 6.39 |
| 1996-Q2 | 6.43 |
| 1996-Q1 | 6.45 |
| 1995-Q4 | 6.49 |
| 1995-Q3 | 6.54 |
| 1995-Q2 | 6.51 |
| 1995-Q1 | 6.59 |
| 1994-Q4 | 6.42 |
| 1994-Q3 | 6.4 |
| 1994-Q2 | 6.31 |
| 1994-Q1 | 6.47 |
| 1993-Q4 | 6.46 |
| 1993-Q3 | 6.45 |
| 1993-Q2 | 6.35 |
| 1993-Q1 | 6.62 |
| 1992-Q4 | 6.79 |
| 1992-Q3 | 6.7 |
| 1992-Q2 | 6.84 |
| 1992-Q1 | 6.91 |
| 1991-Q4 | 6.9 |
| 1991-Q3 | 6.88 |
| 1991-Q2 | 6.95 |
| 1991-Q1 | 6.8 |
| 1990-Q4 | 6.64 |
| 1990-Q3 | 6.62 |
| 1990-Q2 | 6.69 |
| 1990-Q1 | 6.46 |