Credit vs. WagesThe Federal Reserve of St. Louis has this graph showing household credit vs household wages. I do not know how it will impact housing but the ratio does not appear to be sustainable (note how the credit availability/usage dips around 2009). April 13 2012 - US0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.