Mortgage debt service ratio
Mortgage principal and interest payments as a share of household disposable income.
Quarterly, delayed Observed 2026 Q2 · aging · retrieved 2026-10-25 · Source: Statistics Canada · Not a live quote.
Mortgage debt service ratio over time
Quarterly observations. Use the period buttons to change the range; the table beneath the chart lists the values.
Mortgage debt service ratio
%.
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Latest values: Mortgage debt service ratio 7.72 (2026 Q2).
What this indicator is and why it is watched
What it measures
Mortgage principal and interest payments as a share of household disposable income.
Why it is watched
It shows how mortgage payments weigh on household income.
How it connects to the wider economy
Context, not a claim of cause.
Mortgage payments reset when mortgages renew, so interest-rate changes feed through gradually.
Northline describes relationships as documented mechanisms, statistical associations or hypotheses. Nothing on this page states that a movement in this indicator caused a movement in another.
How the data are produced
- Publisher
- Statistics Canada
- Dataset
- 11-10-0065-01
- Frequency
- Quarterly
- Unit
- %
- Observations
- 146 (long history)
- Retrieved
- 2026-10-25
- Series id
ca47_dsr_mortgage
Quarterly, Statistics Canada.
Adapted from Statistics Canada, Debt service indicators of households, national balance sheet accounts, Table 11-10-0065-01. This does not constitute an endorsement by Statistics Canada.
Licence conditions: attribution required.
Missing observations are left missing and are never interpolated. Statistical agencies can revise published values; the observation date and retrieval date above identify the version shown. Methodology and sources.
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Open Mortgage debt service ratio in Studio
In Studio, the Scenarios tab can ask a what-if question about this indicator. Scenario Intelligence applies its usual checks: when there is too little history, the series are not comparable or the relationship is not stable, it reports “not enough evidence” rather than a number.