Household Absorption

Indicator Study | Active | As of 2026-02-06 | Freshness 60d

Household Absorption is 'active' with a composite score of 61.5. The hottest components are Debt-service pressure 71.4, Income strain 59.0.

61.51 Score

60 day(s) Freshness

2026-02-06 As Of

Component Scores

Driver	Component	Score	Raw	Transformed
Household debt service ratio	Debt-service pressure	71.45	11.32	11.32
Consumer sentiment	Income strain	67.75	56.60	-56.60
Real personal consumption expenditures	Spending strain	58.79	16700.20	-2.47
Real retail sales	Spending strain	52.30	225483.00	-1.25
Real disposable personal income	Income strain	50.19	18203.20	-1.63

Higher scores indicate more replacement pressure or fragility for this study.

All lines are scored on the same 0-100 scale using trailing z-scores on a weekly Friday panel.

Higher scores mean households are absorbing less of the shock through income and spending, and more through strain.
This study deliberately scores fragility, not resilience, so that it rolls cleanly into the fragility composite.
Mechanism note: If AI-linked disruption is becoming macro-relevant, it should eventually leak into slower real income growth, weaker spending follow-through, and tighter household cash-flow tolerance.
Freshness: the stalest source series in this study is 60 day(s) old.

Household Absorption remains active at a composite score of 61.5, driven by elevated debt‑service pressure (71.4) and moderate income strain (≈59).

Composite score: 61.5 (as of 2026‑02‑06), modestly higher than recent levels.
Debt‑service pressure component: 71.4, the highest sub‑indicator, indicating continued debt stress.
Income strain component: 59.0, reflecting ongoing pressure on household cash flow.

Caveat: The index is forward‑looking and subject to revisions; it may not fully capture sudden macro‑economic shocks.