Inside the Middle Class: Bad Times Hit the Good Life

The Household Debt Service Ratio: 1980 to 2006

Graph: The Household Debt Service Ratio: 1980 to 2006

Notes: The household debt service ratio 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.

Source: Federal Reserve Board, Household Debt Service and Financial Obligations Ratios (downloaded from http://www.federalreserve.gov/releases/housedebt/default.htm on March 7, 2008)

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Section 1: Being Married X Demographics

Section 1: Being Married X Gay Marriage

Section 1: Being Married X Religion, Church Attendance

Section 1: Being Wealthy X Class

Section 1: Being Wealthy X Demographics

Section 1: Better Off: Present vs. Past, Trend

Section 1: Care for the Needy X Party ID

Section 1: Children Comparison X Demographics

Section 1: Children Standard of Living, Trend

Section 1: Cost of Middle Class Lifestyle X Income

Section 1: Democratic Party Favor X Party ID

Section 1: Demographics X Class

Section 1: Does Wealth Come from Hard Work or Good Connections?

Section 1: Economic Characteristics X Class

Section 1: Economy & Personal Finance, Trend

Section 1: Free time X Age

Section 1: Free Time X Demographics

Section 1: Future Outlook X Demographics

Section 1: Future Outlook X Region

Section 1: Future vs. Present, Trend

Section 1: Having Children X Demographics

Section 1: Having Children X Religion

Section 1: Health Care X Party ID

Section 1: Home Ownership X Middle Class

Section 1: Important Priorities X Race

Section 1: Income X Home Ownership

Section 1: Income X Middle Class Occupations

Section 1: Intergenerational Mobility: Looking Backward

Section 1: Intergenerational Mobility: Looking Forward

Section 1: Job Satisfaction X Demographics

Section 1: Job Worries X Class

Section 1: Ladder of Life X Demographics

Section 1: Living a Religious Life X Demographics

Section 1: Living a Religious Life X Gay Marriage

Section 1: Living a Religious Life X Religion

Section 1: Looking Back X Demographics

Section 1: Middle Class Life, Trend

Section 1: Occupation X Social Class

Section 1: Occupations X Demographics

Section 1: Parent Comparison X Demographics

Section 1: Parent Standard of Living Comparison

Section 1: Personally Important Things

Section 1: Personally Important Things X Age

Section 1: Personally Important Things X Class

Section 1: Personally Important Things X Gender

Section 1: Present Life Ratings, Trend X Income

Section 1: Present v. Past, Trend X Income

Section 1: Priorities and Values X Class

Section 1: Quality of Life & Mobility X Class

Section 1: Quality of Life: Mean Ratings, Trend

Section 1: Republican Party Favor X Party ID

Section 1: Successful Career X Demographics

Section 1: Troubled Times…

Section 1: Volunteering X Demographics

Section 1: Volunteering X Religion

Section 1: Wealth Situation X Homeowner

Section 1: What I Have, What Most People Have

Section 2: Annual Income Growth

Section 2: Change in Income X Decade

Section 2: Debt Service Ratio, Trend

Section 2: Debt to Asset Ratio

Section 2: Debt to Income Ratio

Section 2: Debt to Income Ratio, Trend

Section 2: Family Expenditures

Section 2: Home sales and Income

Section 2: House Prices & Mortgage Debt

Section 2: Household Income Trend

Section 2: Income Trend X Age

Section 2: Income Trend X Income Group

Section 2: Income X Household Size

Section 2: Labor Rates of Mothers, Trend

Section 2: Median Size Houses: 1980 to 2006

Section 2: Median Wage X Education

Section 2: Middle Income X Demographics

Section 2: Net Worth X Income Class

Section 2: Sales Price of Existing Single-Family Homes and Household Income: 1970 to 2006

Section 2: Two Earner Household Trend: 1970-2006

Section 2: Winners and Losers

Section 2: …And More Trouble is Coming