Debt to Income: The New Shackles Measured as a ratio of household debt to annual income (excluding student loans but including mortgages, auto loans, credit cards, etc.), this number tells us how far households are stretched. If you’re at a 2.0 DTI, you owe twice what you bring in each year. That’s not financial living—it’s economic indenture. And in Q1 of 2025, two states sit squarely at the top of this pile of IOUs: Idaho and Hawaii, both at 2.06. That means for every $1 earned, the average household owes $2.06. That’s debt servitude with a view. Full State-by-State Breakdown: Household Debt-to-Income Ratios (2025) Rank State Code DTI (2025) 1 Idaho ID 2.06 2 Hawaii HI 2.06 3 Arizona AZ…
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