Household Absorption
Indicator Study | Active | As of 2026-04-03 | Freshness 54d
Household Absorption is 'active' with a composite score of 64.5. The hottest components are Debt-service pressure 70.7, Income strain 66.2.
64.51
Score
54 day(s)
Freshness
2026-04-03
As Of
Component Scores
| Component | Score |
|---|---|
| Income strain | 66.18 |
| Spending strain | 57.51 |
| Debt-service pressure | 70.74 |
Current Drivers
| Driver | Component | Score | Raw | Transformed |
|---|---|---|---|---|
| Consumer sentiment | Income strain | 72.99 | 49.80 | -53.34 |
| Household debt service ratio | Debt-service pressure | 70.74 | 11.32 | 11.32 |
| Real personal consumption expenditures | Spending strain | 62.55 | 16772.70 | -1.98 |
| Real disposable personal income | Income strain | 59.37 | 18108.70 | 0.13 |
| Real retail sales | Spending strain | 52.48 | 227758.00 | -1.05 |
Metrics
| Metric | Value |
|---|---|
| Score | 64.51 |
| Freshness Days | 54 |
| Panel As Of Date | 2026-04-03 |
| Source As Of Date | 2026-04-01 |
Charts
Component contribution bars
Higher scores indicate more replacement pressure or fragility for this study.
Normalized history panel
All lines are scored on the same 0-100 scale using trailing z-scores on a weekly Friday panel.
Notes
- 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 54 day(s) old.
Commentary
Household Absorption remains in an active expansion phase with a composite score of 64.5, driven by elevated debt‑service pressure (70.7) and income strain (66.2).
- Composite score: 64.5 (54‑day freshness, panel as of 2026-04-03)
- Debt‑service pressure component: 70.7 (highest sub‑score)
- Income strain component: 66.2, bolstered by consumer‑sentiment driver (72.99)
Caveat: The index relies on a narrow set of drivers and may be revised; it does not fully reflect heterogeneity across households or regions.