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  Browse FRB Household Debt Service and Financial Obligations Ratios Data

The household debt service ratio (DSR) is an estimate of the ratio of debt payments to disposable personal income. Debt payments consist of the estimated required payments on outstanding mortgage and consumer debt.

The financial obligations ratio (FOR) is a broader measure than the debt service ratio. The FOR includes automobile lease payments, rental payments on tenant-occupied property, homeowners' insurance, and property tax payments.



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