---
title: "New Serious Delinquency Rate, Borrowers Age 30 to 39"
slug: new-serious-delinquency-rate-borrowers-age-30-to-39
summary: "Borrowers in their thirties saw 2.9% of their debt go 90 or more days late in the year to Q2 2026, down from 3.5% a year earlier"
category: "Debt"
unit: percent
frequency: quarterly
direction: higher_is_worse
latest_value: 2.8573524450077765
latest_period: "2026-Q2"
trend: falling
last_updated: "2026-10-29T17:24:17Z"
source: "New York Fed Consumer Credit Panel / Equifax"
measurement_basis: "The percent of balances owed by borrowers age 30 to 39 that went from current, or under 90 days late, to 90 or more days late within the four quarters ending in the reading's quarter, counting mortgages, car loans, cards, student loans and all other consumer debt in one figure. Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, Page 24 Data ('Transition into Serious Delinquency (90+) by Age'), published as a four-quarter moving sum. The sample is the New York Fed Consumer Credit Panel, 5 percent of Equifax files, with unknown birth years excluded. Quarter-end dating; history is restated by the New York Fed every quarter."
source_url: https://www.newyorkfed.org/microeconomics/hhdc
canonical_html: https://americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-30-to-39/
citation_apa: "Kilburn, R. (2026). New Serious Delinquency Rate, Borrowers Age 30 to 39 [Data set]. American Default Research. https://americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-30-to-39/"
citation_chicago: "Kilburn, Ross. 2026. \"New Serious Delinquency Rate, Borrowers Age 30 to 39.\" American Default Research. https://americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-30-to-39/."
citation_mla: "Kilburn, Ross. \"New Serious Delinquency Rate, Borrowers Age 30 to 39.\" American Default Research, 2026, americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-30-to-39/."
---

# New Serious Delinquency Rate, Borrowers Age 30 to 39

> Borrowers in their thirties saw 2.9% of their debt go 90 or more days late in the year to Q2 2026, down from 3.5% a year earlier

## Current Reading

As of 2026-Q2, New Serious Delinquency Rate, Borrowers Age 30 to 39 is **2.86%** (falling — improving for households).

of the debt owed by borrowers age 30 to 39 became 90 or more days late in the year to Q2 2026

## Recent Values

| Period | Value |
|--------|-------|
| 2026-Q2 | 2.86% |
| 2026-Q1 | 3.26% |
| 2025-Q4 | 3.94% |
| 2025-Q3 | 3.72% |
| 2025-Q2 | 3.49% |
| 2025-Q1 | 2.97% |
| 2024-Q4 | 1.87% |
| 2024-Q3 | 1.83% |
| 2024-Q2 | 1.75% |
| 2024-Q1 | 1.65% |
| 2023-Q4 | 1.53% |
| 2023-Q3 | 1.47% |

## Historical Context

- Peak since 2000: **9.65%** in Q4 2009
- Low since 2000: **0.66%** in Q3 2021
- Pre-pandemic average (2015-01 – 2019-12): **3.03%**
- Post-pandemic average (2020-01 – 2024-12): **1.36%**

## Methodology

This indicator carries quarterly observations and is interpreted as higher values indicate worse household conditions. Source: New York Fed Consumer Credit Panel / Equifax.
Measurement basis: The percent of balances owed by borrowers age 30 to 39 that went from current, or under 90 days late, to 90 or more days late within the four quarters ending in the reading's quarter, counting mortgages, car loans, cards, student loans and all other consumer debt in one figure. Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, Page 24 Data ('Transition into Serious Delinquency (90+) by Age'), published as a four-quarter moving sum. The sample is the New York Fed Consumer Credit Panel, 5 percent of Equifax files, with unknown birth years excluded. Quarter-end dating; history is restated by the New York Fed every quarter.
Automation: collected automatically on the daily refresh pipeline, with no hand entry.

## Source

New York Fed Consumer Credit Panel / Equifax — [https://www.newyorkfed.org/microeconomics/hhdc](https://www.newyorkfed.org/microeconomics/hhdc)

Data retrieved: 2026-10-29T17:24:17Z

## Related Indicators

- [new-serious-delinquency-rate-borrowers-age-18-to-29](https://americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-18-to-29/)

## Machine-Readable Endpoints

- HTML page: https://americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-30-to-39/
- JSON: https://americandefault.org/api/indicators/new-serious-delinquency-rate-borrowers-age-30-to-39.json
- CSV: https://americandefault.org/api/downloads/new-serious-delinquency-rate-borrowers-age-30-to-39.csv
- BibTeX: https://americandefault.org/citations/new-serious-delinquency-rate-borrowers-age-30-to-39.bib
- RIS: https://americandefault.org/citations/new-serious-delinquency-rate-borrowers-age-30-to-39.ris

## Citation

**APA 7th**

    Kilburn, R. (2026). New Serious Delinquency Rate, Borrowers Age 30 to 39 [Data set]. American Default Research. https://americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-30-to-39/

**Chicago (author-date)**

    Kilburn, Ross. 2026. "New Serious Delinquency Rate, Borrowers Age 30 to 39." American Default Research. https://americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-30-to-39/.

**MLA 9th**

    Kilburn, Ross. "New Serious Delinquency Rate, Borrowers Age 30 to 39." American Default Research, 2026, americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-30-to-39/.

Use **American Default Research** as the institutional name in source lists, bibliographies, and press citations. **American Default** is the brand and URL form. **American Distress Index (ADI)** is the product name for the national composite score.