Financially Healthy Households (Financial Health Network)
31% of households scored Financially Healthy, the same share as in 2025
Where the Financially Healthy Households (Financial Health Network) stands now
The Financially Healthy Households (Financial Health Network) was 31% in 2026.
What it means for households: Household Financial Health Statistics
How the Financially Healthy Households (Financial Health Network) has moved since 2018
Financially Healthy Households (Financial Health Network): little changed over the past year
Financial Health Network Financial Health Pulse survey, share of households in the healthy tier: 31% in 2026, the same as a year earlier. Annual, 2018–2026.
What the Financially Healthy Households (Financial Health Network) measures
Measurement basis: Share of U.S. households (individuals before the 2023 survey) the Financial Health Network classifies as Financially Healthy on its FinHealth Score, which combines eight measures of spending, saving, borrowing and planning. The Pulse survey is fielded on the University of Southern California's Understanding America Study, a probability-based internet panel recruited by address-based sampling and weighted to population benchmarks for the U.S. population. Respondents are scored from their answers; they are not asked to rate their own financial health.
A lower rate is worse for households.
Financially Healthy Households (Financial Health Network) by year, 2018 to 2026
Every year since 2018, newest first. The change compares each year with the same year a year earlier.
The source changed how it measures this in 2023. The Financial Health Network sampled and weighted at the individual level through 2022 and at the household level from 2023, sampling one self-identified financial decision-maker per household. Readings on either side of this boundary describe different units. Figures on either side are not directly comparable, so the change column stays blank where a comparison would cross that date. Source documentation.
| Year | Rate (%) | Change from a year earlier (percentage points) |
|---|---|---|
| 2026 | 31 | 0 |
| 2025 | 31 | +1 |
| 2024 | 30 | −1 |
| 2023 | 31 | — |
| 2022 | 31 | −3 |
| 2021 | 34 | +2 |
| 2020 | 32 | +3 |
| 2019 | 29 | +1 |
| 2018 | 28 | — |
Annual · Financial Health Network Annual Survey
Counties with the highest safety net and buffer scores
There's no county figure for this measure, so this list uses the safety net and buffer part of our County Distress Index.
| Rank | County | Score (0–100) |
|---|---|---|
| 1 | Choctaw County, OK | 94.8 |
| 2 | Stewart County, GA | 94.2 |
| 3 | Noxubee County, MS | 94.2 |
| 4 | Hudspeth County, TX | 94 |
| 5 | Brooks County, TX | 94 |
| 6 | Lake County, TN | 94 |
| 7 | Duval County, TX | 93.9 |
| 8 | Ripley County, MO | 93.5 |
| 9 | Dunklin County, MO | 93.3 |
| 10 | Quitman County, GA | 93.2 |
Questions about financially healthy households
What share of U.S. households are financially healthy?
The Financial Health Network put it at 31% in its 2026 survey. It was the same in 2025. Households below the healthy tier score as Coping or Vulnerable.
What does the FinHealth Score measure?
It averages points from eight survey answers across four areas: spend, save, borrow, and plan. The score runs from 0 to 100, and this page shows the share of households scoring 80 or more.
Can the latest share be compared with 2021?
Not directly. Readings through 2022 are shares of individuals; readings from 2023 on are shares of households, with one respondent per household. The network marks the change on its own charts.
Where does this data come from?
The Financial Health Network's annual Financial Health Pulse survey, fielded each spring on the University of Southern California's Understanding America Study and published each autumn.
Sources and method for the Financially Healthy Households (Financial Health Network)
- Financial Health Network Annual Survey Measurement basis: Share of U.S. households (individuals before the 2023 survey) the Financial Health Network classifies as Financially Healthy on its FinHealth Score, which combines eight measures of spending, saving, borrowing and planning. The Pulse survey is fielded on the University of Southern California's Understanding America Study, a probability-based internet panel recruited by address-based sampling and weighted to population benchmarks for the U.S. population. Respondents are scored from their answers; they are not asked to rate their own financial health. We use the annual figures as published, from 2018 through 2026, with no adjustment of our own. Financial Health Network’s report
We write with assistance from AI tools. Figures come from the data and sources named on this page.