Consumer Finances

Household debt service, delinquency rates and savings. Federal Reserve data

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Household Debt Service Ratio

Debt payments as % of disposable personal income, SA

Apr 2026Total DSR 11.1%

MAX · lineSource: Federal Reserve Board of Governors · Latest: 2Q26

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Loan Delinquency Rates

% of balance delinquent 30+ days, all commercial banks

Apr 2026Credit Cards 2.9%Mortgages 1.9%Consumer Loans 2.6%

MAX · lineSource: Federal Reserve Board of Governors, H.8 release · Latest: 2Q26

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PCE Spending Composition

Services, nondurables, and durables as % of total PCE, monthly

Jul 2026Services 69.2%Nondurables 20.1%Durables 10.7%

MAX · lineSource: BEA via FRED · Latest: Jul 2026

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Consumer Credit Growth

Year-over-year % change, monthly

Jul 2026Total 2.6%Revolving 3.6%Non-Revolving 2.2%

MAX · lineSource: Federal Reserve G.19 release · Latest: Jul 2026

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Consumer Credit Outstanding

Total vs. revolving (credit card) debt, monthly

Jul 2026Total $5.2TRevolving $1.4T

MAX · lineSource: Federal Reserve G.19 release · Latest: Jul 2026

Data from FRED (Federal Reserve Bank of St. Louis). Debt service and delinquency rates are quarterly; PCE, credit, income, and sentiment data are monthly.