How often is the US household debt data updated?

The data are published quarterly by the Federal Reserve Bank of New York, with series extending back to 1999.

Which age groups and loan types are available in the breakdown?

The report breaks down total household debt by categories such as mortgages, home equity lines of credit, auto loans, credit cards, and student loans, as well as across age brackets ranging from young adults under thirty to seniors aged seventy and older.

How does this differ from other consumer credit measures?

Unlike lender-reported credit statistics, these figures are compiled from a sample of individual credit files to reflect the consumer and borrower perspective on household liabilities.

US Household Debt by Loan Type and Age Group

Name: US Household Debt by Loan Type and Age Group
Creator: New York FED (Household Debt and Credit Report)
License: https://creativecommons.org/licenses/by/4.0/

US household debt balances and repayment status by loan type and age group from the New York Fed.

Source: New York FED (Household Debt and Credit Report)Last updated: Sep 21, 2026, 14:57Curated by Bui Thanh PhucAbout this data ↓

Indicator	Q2-2026	Q1-2026	Q4-2025	Q3-2025	Q2-2025	Q1-2025	Q4-2024	Q3-2024	Q2-2024	Q1-2024	Q4-2023	Q3-2023	Q2-2023
DEBT BY LOAN TYPE1
Total household debt6	18.77	18.78	18.78	18.58	18.39	18.2	18.04	17.94	17.8	17.69	17.5	17.29	17.06
NUMBER OF ACCOUNTS4
Auto loan	109.01	108.14	107.58	105.89	108.13	108.11	109.11	108.68	108.14	108.05	107.79	107.45	107.77
Credit card	653.63	647.96	648.1	642.31	636.03	631.39	617.41	600.53	599.1	596.58	594.75	589.63	578.35
Mortgage	86.37	86.97	86.94	86.67	86.47	85.78	85.1	84.94	85.35	84.94	84.17	83.96	83.62
Home equity revolving line of credit	13.29	13.23	13.19	13.1	13.18	13.14	13.16	13.16	13.08	13.13	13.12	13.07	13.09
ORIGINATIONS, CLOSINGS AND INQUIRIES3
Credit inquiries in 6 months	83.02	79.82	82.77	82.29	76.49	76.47	78.94	79.63	78.75	77.28	82.21	88	89.01
Accounts opened in 12 months	218.35	217.01	212.15	206.19	199.31	197.27	198.48	194.66	199.54	202.8	202.57	206.54	212.58
Accounts closed in 12 months	224.88	222.68	219.7	208.98	206.05	212.43	205.71	207.46	190.67	180.53	169.19	154.49	165.37
DEBT COMPOSITION BY PAYMENT STATUS6
Current	95.27	95.24	95.19	95.52	95.59	95.65	96.42	96.46	96.82	96.76	96.87	97.02	97.38
30 days late	1.05	1.01	1.21	1.09	0.93	1.09	1.09	1.11	0.95	0.99	1.02	0.98	0.83
60 days late	0.37	0.38	0.47	0.42	0.44	0.41	0.46	0.45	0.41	0.39	0.38	0.36	0.32
90 days late	0.24	0.31	0.31	0.26	0.27	0.54	0.23	0.24	0.18	0.19	0.2	0.18	0.14
120 days late	1.09	1.3	1.27	1.2	1.26	0.84	0.47	0.44	0.4	0.41	0.42	0.34	0.33
Serious delinquency	1.99	1.75	1.54	1.53	1.51	1.47	1.34	1.3	1.26	1.27	1.11	1.13	0.99
90+ DAY DELINQUENCY RATE BY LOAN TYPE1
All loan types6	3.31	3.36	3.12	2.98	3.04	2.84	2.04	1.97	1.83	1.83	1.74	1.62	1.47
NEWLY DELINQUENT DEBT (30+ DAYS)1
All loan types6	4.95	5.08	5.64	5.33	5.26	4.87	4.14	4.13	3.95	3.88	3.64	3.41	3.18
NEWLY DELINQUENT DEBT (90+ DAYS)1
All loan types6	2.57	2.83	3.26	3.03	2.91	2.45	1.7	1.68	1.59	1.54	1.42	1.28	1.16
CONSUMER FINANCIAL DISTRESS4
New foreclosures	55.16	59.16	58.14	54.76	52.8	61.66	41.22	41.52	47.18	44.18	40.22	36.1	38.84
New bankruptcies	136.8	124.02	123.82	141.64	131.32	104.86	122.66	126.14	136.18	121.36	113.6	115.66	114.14
Third-party collection rate	4.88	4.98	4.6	4.92	4.74	4.56	4.62	4.6	4.85	4.81	4.65	4.73	4.63
Average collection balance per person	1,577.43	1,539.99	1,678.3	1,623.39	1,581.08	1,663.49	1,630.88	1,705.47	1,609.14	1,595.97	1,591.06	1,619.99	1,554.9
TOTAL DEBT BALANCE BY AGE GROUP6
18-29 years old	1.1	1.05	1.24	1.18	1.11	1.05	1.24	1.18	1.12	1.06	1.27	1.19	1.13
30-39 years old	3.99	3.94	4.15	4.07	3.96	3.89	4.02	3.95	3.87	3.79	3.94	3.86	3.75
40-49 years old	4.93	4.92	4.88	4.84	4.81	4.76	4.67	4.66	4.61	4.6	4.49	4.44	4.38
50-59 years old	4.13	4.18	4.06	4.05	4.03	4.02	3.93	3.92	3.91	3.91	3.8	3.79	3.78
60-69 years old	2.78	2.81	2.7	2.7	2.73	2.73	2.59	2.62	2.64	2.65	2.53	2.53	2.54
70 years and older	1.82	1.86	1.69	1.71	1.73	1.73	1.57	1.6	1.63	1.66	1.47	1.47	1.48
NEW MORTGAGE ORIGINATIONS (Disbursement)6
18-29 years old	48.71	49.84	57.42	51.1	45.28	43.26	58.19	49.15	40.92	38.36	51.36	48.67	49.65
30-39 years old	157.1	156.3	158.5	173.2	137.2	123.7	147.3	140.9	119.1	111.4	122	119.7	121.1
40-49 years old	133.9	128.5	130.3	117.5	114.4	110.5	105.6	103.5	86.33	110.9	96.57	101	87.62
50-59 years old	78.35	103.7	96.14	97.88	82.34	79.79	89.7	84.6	62.9	74.24	67.54	58.57	75.35
60-69 years old	55.27	56.54	58.71	48.65	51.06	44.02	39.53	46.69	42.09	43.41	36.96	37.27	40.38
70 years and older	31.04	34.41	23.33	22.92	27.49	23.78	24.61	22.92	22.57	24.36	16.56	20.59	18.93
NEW AUTO LOAN ORIGINATIONS (Disbursement)6
18-29 years old	31.71	25.29	27.68	27.56	26.91	22.97	25.58	27.2	25.34	21.55	26.2	27.8	27.3
30-39 years old	47.74	38.56	39.44	40.11	42.78	36.21	38.68	40.05	39.18	35.2	35.7	41.4	40.6
40-49 years old	49.82	39.96	41.03	43.49	41.22	36.29	38.57	40.85	39.99	37.07	38	40.5	40.6
50-59 years old	39.1	38.29	33.29	35.25	35.95	31.06	34.12	34.95	37.05	32.3	30.8	34.1	34.4
60-69 years old	26.13	25.27	25.21	23.82	25.49	22.76	23.45	23.01	21.89	22.61	20.4	21.3	21.4
70 years and older	15.98	14.18	13.77	13.41	15.21	12.12	11.09	12.67	11.94	12.17	10.6	10.9	11.4
SERIOUSLY DELINQUENT (90+ DAYS) - ALL LOAN TYPES7
All age groups	2.52	2.83	3.26	3.03	2.91	2.45	1.7	1.68	1.59	1.53	1.4	1.28	1.16
18-29 years old	4.04	4.73	5.34	4.95	4.58	3.35	2.35	2.4	2.34	2.36	2.27	2.06	1.94
30-39 years old	2.86	3.26	3.94	3.72	3.49	2.97	1.87	1.83	1.75	1.65	1.53	1.47	1.29
40-49 years old	2.53	2.85	3.19	2.99	2.88	2.41	1.8	1.74	1.63	1.61	1.41	1.33	1.23
50-59 years old	2.6	2.8	3.13	2.81	2.86	2.47	1.78	1.77	1.62	1.48	1.3	1.09	0.93
60-69 years old	1.74	1.99	2.37	2.17	2.06	1.72	1.13	1.14	1.09	1.03	0.98	0.92	0.84
70 years and older	1.8	1.91	2.14	2.13	1.93	1.69	1.3	1.27	1.24	1.28	1.32	1.11	1.07
SERIOUSLY DELINQUENT (90+ DAYS) - MORTGAGE7
All age groups	1.47	1.48	1.38	1.28	1.29	1.22	1.09	1.08	0.95	0.91	0.81	0.72	0.63
18-29 years old	1.89	1.73	1.54	1.41	1.32	1.21	1.12	1.31	1.13	1.32	1.23	0.93	0.9
30-39 years old	1.65	1.66	1.59	1.55	1.5	1.49	1.27	1.23	1.07	0.93	0.83	0.77	0.63
40-49 years old	1.57	1.68	1.5	1.42	1.42	1.23	1.24	1.19	1.05	1.09	0.92	0.87	0.79
50-59 years old	1.75	1.64	1.5	1.31	1.44	1.45	1.3	1.32	1.16	1.03	0.87	0.69	0.55
60-69 years old	0.92	0.95	0.95	0.77	0.78	0.7	0.55	0.58	0.5	0.48	0.49	0.51	0.45
70 years and older	0.83	0.84	0.96	1.02	0.92	0.88	0.66	0.56	0.53	0.56	0.62	0.54	0.52
SERIOUSLY DELINQUENT (90+ DAYS) - AUTO LOAN7
All age groups	3	2.97	2.95	2.99	2.94	2.94	2.96	2.9	2.88	2.78	2.66	2.53	2.41
18-29 years old	4.83	4.88	4.73	4.86	4.9	4.83	4.97	4.86	5.05	4.92	4.79	4.69	4.38
30-39 years old	3.91	3.89	3.96	4.11	3.96	3.84	3.75	3.6	3.62	3.67	3.61	3.54	3.37
40-49 years old	2.79	2.75	2.8	2.91	2.81	2.94	2.86	2.83	2.84	2.53	2.41	2.2	2.11
50-59 years old	2.19	2.17	2.16	2.08	2.08	1.97	2.05	1.94	1.75	1.8	1.66	1.55	1.4
60-69 years old	1.77	1.65	1.57	1.52	1.43	1.64	1.69	1.8	1.77	1.57	1.39	1.24	1.27
70 years and older	2.45	2.36	2.15	1.95	2	1.97	2.22	2.23	2.14	1.99	1.89	1.75	1.81
SERIOUSLY DELINQUENT (90+ DAYS) - CREDIT CARD7
All age groups	7	7.12	7.13	7.05	6.93	7.04	7.18	7.1	7.18	6.86	6.36	5.78	5.08
18-29 years old	10.08	9.67	9.48	9.97	9.86	10.34	10.76	10.4	10.46	9.9	9.65	9.3	8.52
30-39 years old	8.26	8.68	8.63	8.77	8.68	8.73	9.03	9.1	9.65	9.47	8.73	8.25	7.14
40-49 years old	7.62	7.99	8.14	7.63	7.46	7.6	7.81	7.64	7.41	6.96	6.22	5.71	5.15
50-59 years old	6.41	6.26	6.24	5.99	6.25	6.45	6.52	6.46	6.44	6.01	5.6	4.89	4.03
60-69 years old	4.98	5.28	5.38	5.47	5.05	5.05	4.99	4.91	5.14	4.78	4.42	3.85	3.36
70 years and older	6.34	6.05	5.9	6.01	5.66	5.57	5.59	5.52	5.42	5.53	5.33	4.57	4.25
SERIOUSLY DELINQUENT (90+ DAYS) - STUDENT LOAN5
All age groups	7.44	10.86	16.19	14.27	12.89	8.04	0.7	0.77	0.77	0.77	0.79	0.77	0.85
18-29 years old	5.32	8.03	10.64	9.22	8.12	3.97	0.28	0.35	0.35	0.3	0.31	0.25	0.23
30-39 years old	6.49	9.3	14.59	12.82	11.36	7.56	0.29	0.32	0.42	0.41	0.48	0.55	0.54
40-49 years old	8.05	10.91	16.76	14.77	13.57	9.03	0.89	0.89	0.93	1.02	1.04	1.2	1.32
50 years and older	9.86	15.17	22.42	19.92	18.26	11.23	1.45	1.61	1.43	1.39	1.39	1.1	1.38
NEW FORECLOSURES6
18-29 years old	2.94	3.4	3.06	3.14	2.64	2.44	2.18	2.14	2.3	1.76	2.22	1.82	2.02
30-39 years old	10.52	11.56	11.28	10	9.5	10.74	8.32	7.48	7.06	8.18	7.36	7.18	7.3
40-49 years old	14.86	15.38	15.4	13.94	12.4	15.56	10.16	9.58	11.46	11.78	9.22	8.78	9.64
50-59 years old	11.46	12.28	12.16	12.72	11.74	13.94	9.14	9.3	11.22	9.58	9.22	7.74	7.96
60-69 years old	7.58	8.66	8.32	7.94	8.38	9.86	6.42	6.18	7.16	6.66	5.88	5.68	5.34
70 years and older	7.68	7.82	7.84	6.88	8.06	9.08	4.92	6.74	7.88	6.12	6.22	4.84	6.48
NEW BANKRUPTCIES6
18-29 years old	8	7.92	8.86	9.9	7.72	6.88	9.28	9.88	9.3	7.96	8.5	8.5	8.22
30-39 years old	29.36	25.4	26.56	30.26	27.7	21.64	25.92	26.76	27.88	24.46	23.06	24.02	24.06
40-49 years old	36.66	32.2	32.3	34.76	34.44	25.88	29.24	32.56	34.26	30.2	28.44	28.54	28.5
50-59 years old	31.52	28.56	28.16	32.26	30.56	24.58	29.06	29.36	31	28.66	25.62	26.86	26.1
60-69 years old	19.92	18.74	17.44	22.04	19.52	16.22	18.38	18.9	18.92	18.3	16.68	16.34	15.74
70 years and older	11.18	10.92	10.34	12.12	11.16	9.62	10.6	10.42	11.42	9.88	9.26	9.5	9.98

Latest reading

Total household debt stood at 18.77 USD trillion in Q2 2026. That is −0.1% from Q1 2026 and +2.1% from a year earlier. The series on this page is quarterly and runs from Q1 2003 to Q2 2026. Source: New York FED (Household Debt and Credit Report).

Latest: 18.77 USD trillion; Q2 2026
vs previous period: −0.1%; Q1 2026
vs a year earlier: +2.1%

About this data

US household debt balances and repayment status by loan type and age group from the New York Fed. The data track consumer credit balances across mortgages, auto loans, credit cards, and student loans, alongside delinquency rates and new originations. Published quarterly since 1999 by the Federal Reserve Bank of New York, these figures reflect borrower credit files.

Frequently asked questions

What does the US household debt report measure?: It measures United States consumer debt balances across major loan types including mortgages, auto loans, credit cards, and student loans, alongside repayment status and severe delinquency rates from individual credit files.
How often is the US household debt data updated?: The data are published quarterly by the Federal Reserve Bank of New York, with series extending back to 1999.
Which age groups and loan types are available in the breakdown?: The report breaks down total household debt by categories such as mortgages, home equity lines of credit, auto loans, credit cards, and student loans, as well as across age brackets ranging from young adults under thirty to seniors aged seventy and older.
How does this differ from other consumer credit measures?: Unlike lender-reported credit statistics, these figures are compiled from a sample of individual credit files to reflect the consumer and borrower perspective on household liabilities.