How to read it
Each country value equals its household DSR minus its ten-year median. A positive value shows above-normal household debt pressure.
Benchmark · quarterly · pp
Household debt-service pressure
Which household debt-service burdens are above country norms?
Household debt-service pressure tracks country debt-service ratios minus trailing ten-year medians. It uses quarterly data.
Household debt-service pressure tracks country debt-service ratios minus trailing ten-year medians. It uses quarterly data.
- Median pressure
- −3 bp
- Quarterly change
- −0 bp
- from −2 bp
- Highest country
- +0.5 pp
- Canada · 2025-12-31
- Lowest country
- −0.5 pp
- Germany · 2025-12-31
- Historical percentile
- 55th
- of 89 readings · since 2003-12-31
Household debt-service pressure
Median pressure
| Series | First | Latest | Min | Max |
|---|---|---|---|---|
| Median pressure | 0.00 | -0.03 | -0.97 | 1.60 |
How this is calculated
Country debt-service ratios minus trailing ten-year mediansPIER20 calculates this benchmark from official observations from the Bank for International Settlements (BIS). The formula is country debt-service ratios minus trailing ten-year medians. The source table lists each selector and source link.
The latest data is from Q4 2025. The latest reading is -0.03 pp. The Median pressure line is down 0.1 pp over the past year. It is above its long-run median of -0.05 pp.
Source series
BIS via direct APIHow to read it
How this benchmark is used
Why traders watch it
Rates and credit traders use this benchmark to compare household debt pressure across countries.
Frequently asked questions
4 answersWhat is the latest reading for Household debt-service pressure?
The latest data is from Q4 2025. The latest reading is -0.03 pp. The Median pressure line is down 0.1 pp over the past year. It is above its long-run median of -0.05 pp.
How often does this benchmark update?
The source publishes quarterly data. PIER20 updates the page after each new observation. The chart shows the data date and fetch date.
What data sources does this chart use?
The Bank for International Settlements (BIS) publishes the data. The methodology section lists each source series.
Where does the data come from?
The Bank for International Settlements (BIS) publishes the source data. The source table lists each series and its exact link.