US state household-debt stress intelligence (NY Fed/Equifax)

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US state household-debt stress intelligence from the NY Fed Consumer Credit Panel / Equifax state-level workbook (keyless, redistributable under the NY Fed Terms of Use): 52 geographies x Q4 year, 2003-2025. Core measures: per-capita debt balances for auto, credit card, mortgage, and student loans, plus the percent of each balance 90+ days delinquent. Method: the ten data sheets are parsed from their fixed grid layout and pivoted to a long state x year panel; rows with a NULL total balance are dropped as unverifiable (never fabricated); the allUS national row is integrity-checked then excluded. Derived signals per state-year: a documented 0-100 stress_score (mean of full-panel min-max normalized delinquency rates, equal weights), within-year stress rank and quintile tier, debt burden rank, YoY percent change of total debt per capita, YoY change in credit-card 90+ delinquency (pp), and a severe-stress flag (score >= 75). Use as prediction features: join to customers/orders/leads by region_code + date for demand, churn, and lead-scoring models — household balance-sheet stress leads changes in discretionary spending, subscription churn, and B2B close rates. Caveats: Q4-only annual grain (forward-fill within the year for higher-frequency models); balances are nominal, not inflation-adjusted; delinquency is a stock measure (use the YoY flow signals for deterioration); Puerto Rico is published only through 2016; student-loan sheets use a thinner 1% panel.

Source: Federal Reserve Bank of New York
Rows: 1,187
Columns: 26
Source cadence: Yearly
Last refreshed: Oct 1, 2026
Theme: finance

Column	Type	Description
date	string	Reference date of the Q4 observation (YYYY-12-01).
year	integer	Reference Q4 year.
country	string	Country name (United States).
country_code	string	ISO alpha-3 country code (USA).
region_code	string	ISO 3166-2 region code (US-AK, US-DC, US-PR).
state_postal	string	USPS 2-letter state/territory code.
state_name	string	State / district / territory name.
total_debt_per_capita_usd	float	Total debt balance per capita, nominal USD (NY Fed 'total' sheet).
auto_debt_per_capita_usd	float	Auto-loan debt balance per capita, nominal USD.
creditcard_debt_per_capita_usd	float	Credit-card debt balance per capita, nominal USD.
mortgage_debt_per_capita_usd	float	Mortgage debt balance per capita excluding HELOC, nominal USD.
studentloan_debt_per_capita_usd	float	Student-loan debt balance per capita, nominal USD (1% panel).
delinq_auto_90p_pct	float	Percent of auto-loan balance 90+ days delinquent.
delinq_creditcard_90p_pct	float	Percent of credit-card balance 90+ days delinquent.
delinq_mortgage_90p_pct	float	Percent of mortgage balance 90+ days delinquent.
delinq_studentloan_90p_pct	float	Percent of student-loan balance 90+ days delinquent (and in default).
panel_consumers	float	Number of consumers in the NY Fed Consumer Credit Panel for the state-year (5% sample of the 18+ population with an Equifax file).
stress_score	float	0-100 household stress score: mean of the four 90+ day delinquency rates, each min-max normalized over the full 2003-2025 panel, equal weights (0 = calmest state-year ever observed, 100 = most stressed).
stress_rank	integer	Rank of stress_score within the year (1 = most stressed; ties share the rank).
stress_tier	integer	Within-year quintile of stress_score (1 = calmest fifth, 5 = most stressed fifth).
debt_burden_rank	integer	Rank of total debt per capita within the year (1 = highest debt load; ties share the rank).
yoy_total_debt_pct	float	Year-over-year percent change of total debt per capita within the state (NULL in the first year).
yoy_cc_delinq_pp	float	Year-over-year change, in percentage points, of the 90+ day credit-card delinquency rate within the state (NULL in the first year).
severe_stress_flag	integer	1 when stress_score >= 75 (top quartile of the historical panel).
row_hash	string	Content hash (sha256, 16 hex) over state, year, and core measures.
source_url	string	Canonical NY Fed Household Debt and Credit page.

First 10 sample rows — a preview, not the complete dataset.

date	year	country	country_code	region_code	state_postal	state_name	total_debt_per_capita_usd	auto_debt_per_capita_usd	creditcard_debt_per_capita_usd	mortgage_debt_per_capita_usd	studentloan_debt_per_capita_usd	delinq_auto_90p_pct	delinq_creditcard_90p_pct	delinq_mortgage_90p_pct	delinq_studentloan_90p_pct	panel_consumers	stress_score	stress_rank	stress_tier	debt_burden_rank	yoy_total_debt_pct	yoy_cc_delinq_pp	row_hash	source_url
2003-12-01	2,003	United States	USA	US-AK	AK	Alaska	35,980	3,480	4,260	26,080	680	0.83	5.21	0.57	5.5	478,640	10.01	51	1	15	—	—	2ad5544be60519f8	https://www.newyorkfed.org/microeconomics/hhdc
2003-12-01	2,003	United States	USA	US-AL	AL	Alabama	23,950	2,910	2,600	14,750	880	2.63	11.92	1.57	8.2	3,780,480	27.4	4	5	43	—	—	bbc93e2ddf00cc38	https://www.newyorkfed.org/microeconomics/hhdc
2003-12-01	2,003	United States	USA	US-AR	AR	Arkansas	19,900	3,070	2,430	11,880	710	2.06	11.22	1.32	5.77	2,140,020	21.72	16	4	49	—	—	26e1d004616589c3	https://www.newyorkfed.org/microeconomics/hhdc
2003-12-01	2,003	United States	USA	US-AZ	AZ	Arizona	37,060	3,420	3,110	27,370	1,080	2.86	8.97	1.05	7.4	4,280,840	22.19	14	4	13	—	—	561e62189e61249e	https://www.newyorkfed.org/microeconomics/hhdc
2003-12-01	2,003	United States	USA	US-CA	CA	California	48,820	3,150	3,080	39,410	970	1.89	8.84	0.43	6.54	27,970,460	18.18	27	3	2	—	—	30398c74b7e1a04b	https://www.newyorkfed.org/microeconomics/hhdc
2003-12-01	2,003	United States	USA	US-CO	CO	Colorado	49,130	3,130	3,480	39,250	1,380	1.83	7.31	1.2	7.67	3,641,860	18.51	25	3	1	—	—	c506fad000f44eec	https://www.newyorkfed.org/microeconomics/hhdc
2003-12-01	2,003	United States	USA	US-CT	CT	Connecticut	40,850	2,720	3,330	31,070	1,010	1.42	7.81	0.78	3.75	2,839,520	12.49	45	1	7	—	—	b914f2926d17e5dd	https://www.newyorkfed.org/microeconomics/hhdc
2003-12-01	2,003	United States	USA	US-DC	DC	District of Columbia	41,250	2,050	3,330	32,430	3,130	4.2	9.72	0.73	4.46	501,660	21.4	17	4	6	—	—	310e697d3216ae56	https://www.newyorkfed.org/microeconomics/hhdc
2003-12-01	2,003	United States	USA	US-DE	DE	Delaware	34,350	3,480	3,000	24,840	990	1.91	9.04	1.45	6.36	677,900	19.48	22	3	19	—	—	8159308499587d4a	https://www.newyorkfed.org/microeconomics/hhdc
2003-12-01	2,003	United States	USA	US-FL	FL	Florida	30,210	3,080	3,100	20,900	840	2.74	11.87	1.21	7.64	15,394,060	26.35	7	5	24	—	—	a8897fbf1cbd8ac3	https://www.newyorkfed.org/microeconomics/hhdc

Profiled Oct 1, 2026 from snapshot 20261001T171029Z-220eb6facc71

Measured

Completeness: 99.7%
Rows: 1,187
Columns: 26
Columns with gaps: 2

Rows per yeardate · 2003–2025 · 23 years

20032025

Column	Missing	Distinct	Range	Distribution
datevarchar	0%	24	—	2003-12-0152 2004-12-0152 2005-12-0152
yearbigint	0%	23	2,003 → 2,025median 2,014
countryvarchar	0%	1	—	United States1,187
country_codevarchar	0%	1	—	USA1,187
region_codevarchar	0%	54	—	US-AK23 US-AL23 US-AR23
state_postalvarchar	0%	57	—	AK23 AL23 AR23
state_namevarchar	0%	59	—	Alabama23 Alaska23 Arizona23
total_debt_per_capita_usddouble	0%	1,076	17,180 → 105,800median 45,120	24 outside 1st–99th percentile
auto_debt_per_capita_usddouble	0%	401	1,990 → 8,000median 3,780	24 outside 1st–99th percentile
creditcard_debt_per_capita_usddouble	0%	328	930 → 5,500median 3,060	24 outside 1st–99th percentile
mortgage_debt_per_capita_usddouble	0%	997	9,300 → 80,970median 30,020	24 outside 1st–99th percentile
studentloan_debt_per_capita_usddouble	0%	507	500 → 13,600median 4,180	24 outside 1st–99th percentile
delinq_auto_90p_pctdouble	0%	430	0.83 → 13.58median 3.16	24 outside 1st–99th percentile
delinq_creditcard_90p_pctdouble	0%	537	3.61 → 22.35median 8.32	23 outside 1st–99th percentile
delinq_mortgage_90p_pctdouble	0%	581	0.16 → 20.74median 1.32	23 outside 1st–99th percentile
delinq_studentloan_90p_pctdouble	0%	639	0.12 → 18.36median 8.02	24 outside 1st–99th percentile
panel_consumersdouble	0%	964	408,220 → 33,619,120median 3,485,660	24 outside 1st–99th percentile
stress_scoredouble	0%	809	4.08 → 81.9median 23.84	24 outside 1st–99th percentile
stress_rankbigint	0%	47	1 → 52median 26
stress_tierbigint	0%	5	1 → 5median 3
debt_burden_rankbigint	0%	47	1 → 52median 26
yoy_total_debt_pctdouble	4.4%	1,316	-15.71 → 26.88median 2.51	24 outside 1st–99th percentile
yoy_cc_delinq_ppdouble	4.4%	520	-4.49 → 6.44median 0.08	24 outside 1st–99th percentile
severe_stress_flagbigint	0%	2	0 → 1median 0
row_hashvarchar	0%	1,204	—	001f036b272c80dc1 0029c2d25c2999bd1 00561c6b5ae865e61
source_urlvarchar	0%	1	—	https://www.newyorkfed.org/microeconomics/hhdc1,187

Point any LLM at the metadata endpoint — the documentation above is machine-readable too (JSON-LD + Croissant).

cURL

curl "https://datazimuts.com/v1/datasets/nyfed_state_household_debt_intel/us_state_household_debt_stress_annual" | jq '{title, rows, columns_count, license}'

Python

import requests

ds = requests.get("https://datazimuts.com/v1/datasets/nyfed_state_household_debt_intel/us_state_household_debt_stress_annual").json()
print(ds["title"], ds["rows"], "rows")

# Sample rows for an LLM context window
for row in ds.get("sample_rows", [])[:5]:
    print(row)

API endpoint: https://datazimuts.com/v1/datasets/nyfed_state_household_debt_intel/us_state_household_debt_stress_annual

Tip: fetch /llms.txt for the full machine-readable catalog.

Cite this snapshot

Pinned to snapshot 20261001T171029Z-220eb6facc71 and its content hash, so readers get exactly the data you used.

APA

Federal Reserve Bank of New York. (2026). US state household-debt stress intelligence (NY Fed/Equifax) [Data set, snapshot 20261001T171029Z-220eb6facc71, sha256 220eb6facc71]. Datazimuts. Retrieved 2026-10-02, from https://datazimuts.com/en/datasets/nyfed_state_household_debt_intel/us_state_household_debt_stress_annual?snapshot=20261001T171029Z-220eb6facc71

BibTeX

@misc{dz_nyfed_state_household_debt_intel_us_stat_220eb6fa,
  title        = {{US state household-debt stress intelligence (NY Fed/Equifax)}},
  author       = {{Federal Reserve Bank of New York}},
  year         = {2026},
  publisher    = {Datazimuts},
  howpublished = {\url{https://datazimuts.com/en/datasets/nyfed_state_household_debt_intel/us_state_household_debt_stress_annual?snapshot=20261001T171029Z-220eb6facc71}},
  note         = {Snapshot 20261001T171029Z-220eb6facc71, sha256 220eb6facc7106d23c0cdc12775afe29618971528f045a99d99bfc3a3df1f207; accessed 2026-10-02}
}

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US state household-debt stress intelligence (NY Fed/Equifax)

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