{"licence":"Adapted from Statistics Canada (Open Licence: https://www.statcan.gc.ca/en/terms-conditions/open-licence) and Bank of Canada data (https://www.bankofcanada.ca/terms/). CMHC data via Statistics Canada. This does not constitute an endorsement by Statistics Canada or the Bank of Canada. Calculated by CostWatch.ca; see https://costwatch.ca/methodology.","module":"debt","schemaVersion":"4.1.0","methodologyVersion":"1.1","moduleId":"debt-2026-04","status":"production","generatedAt":"2026-09-27T14:08:01.886Z","sources":[{"id":"household-debt","publisher":"Statistics Canada","name":"Household sector credit market summary table, seasonally adjusted estimates","table":"38-10-0238-01","url":"https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=3810023801","usedFor":"Household credit market debt relative to disposable income, Canada","releasedAt":"2026-09-11T08:30","retrievedAt":"2026-09-27T14:07:58.802Z","latestPeriod":"2026-04","snapshot":"2026-09-27T14-07-58-802Z","snapshotSha256":"5de6bedafe92b92daa961508df9859fc434009222547706b0b6a2cbdf656bbe2"},{"id":"debt-service","publisher":"Statistics Canada","name":"Debt service indicators of households, national balance sheet accounts","table":"11-10-0065-01","url":"https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110006501","usedFor":"Share of household disposable income spent on debt payments, Canada","releasedAt":"2026-09-11T08:30","retrievedAt":"2026-09-27T14:07:59.438Z","latestPeriod":"2026-04","snapshot":"2026-09-27T14-07-59-438Z","snapshotSha256":"1a9fd6aaa9d00a90fc848c00e0b4adc3d80362b5b9a785430cdbd8dd3657ffc4"}],"metrics":[{"code":"debt_to_income","version":"1"},{"code":"debt_service","version":"1"}],"periods":{"quarter":"2026-04"},"data":{"debtToIncomePct":176.37,"debtToIncomeChangePts":-1,"consumerMortgageToIncomePct":168.02,"debtServiceRatioPct":14.52,"debtServiceChangePts":-0.26,"mortgageDebtServiceRatioPct":7.72,"nonMortgageDebtServiceRatioPct":6.8,"history":{"start":"2016-04","step":3,"debtToIncome":[181.77,181.95,182.33,184.55,183.83,181.95,182.07,184.21,185.87,186.72,185.26,185.87,184.13,184,182.9,182.39,166.23,175.87,180.16,175.84,180.66,182.68,187.85,186.83,187.68,188.22,183.86,186.13,183.81,180.69,179.93,179.66,176.77,174.13,174.78,175.35,177.34,177.95,178.69,178.55,176.37],"debtService":[14.18,14.15,14.12,14.31,14.3,14.25,14.38,14.64,14.85,14.97,14.94,15.11,15.03,15.06,14.95,14.64,12.56,13.47,13.94,13.57,13.72,13.68,13.9,13.81,14,14.43,14.62,15.17,15.14,15.09,15.13,15.1,15.09,14.77,14.67,14.68,14.78,14.71,14.68,14.68,14.52]}}}