The Fed’s measure of household debt service payments as a percentage of disposable personal income decreased to 11.16% in Q1 2026 from 11.32% in Q4 2025.

• Mortgage debt as a percentage of disposable income was 5.88%, down from 5.92%.
• Consumer debt as a percentage of disposable income was 5.29%, down from 5.40% and the lowest since Q3 2023.