New Serious Delinquency Rate, Borrowers Age 30 to 39
Share of the age group's debt newly 90 or more days late, four quarters to each quarter
Where the New Serious Delinquency Rate, Borrowers Age 30 to 39 stands now
The New Serious Delinquency Rate, Borrowers Age 30 to 39 was 2.9% in the second quarter of 2026. Since 2000 it has ranged from 0.7% in the third quarter of 2021 to 9.7% in the fourth quarter of 2009.
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How the New Serious Delinquency Rate, Borrowers Age 30 to 39 has moved since 2000
New Serious Delinquency Rate, Borrowers Age 30 to 39: down since 2025
Percent of the age group's balances that went 90 or more days late over the previous four quarters, Federal Reserve Bank of New York Consumer Credit Panel / Equifax: 2.9% in the second quarter of 2026, down from 3.5% a year earlier. Quarterly, 2000–2026.
What the New Serious Delinquency Rate, Borrowers Age 30 to 39 measures
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.
A higher rate is worse for households.
New Serious Delinquency Rate, Borrowers Age 30 to 39 by quarter, 2000 to 2026
| Quarter | Rate (%) | Change from a year earlier (percentage points) |
|---|---|---|
| Q2 2026 | 2.9 | −0.6 |
| Q1 2026 | 3.3 | +0.3 |
| Q4 2025 | 3.9 | +2.0 |
| Q3 2025 | 3.7 | +1.9 |
| Q2 2025 | 3.5 | +1.7 |
| Q1 2025 | 3.0 | +1.3 |
| Q4 2024 | 1.9 | +0.4 |
| Q3 2024 | 1.8 | +0.3 |
| Q2 2024 | 1.8 | +0.5 |
| Q1 2024 | 1.7 | +0.5 |
| Q4 2023 | 1.5 | +0.4 |
| Q3 2023 | 1.5 | +0.5 |
| Q2 2023 | 1.3 | +0.4 |
| Q1 2023 | 1.2 | +0.5 |
| Q4 2022 | 1.1 | +0.4 |
| Q3 2022 | 1.0 | +0.3 |
| Q2 2022 | 0.9 | +0.2 |
| Q1 2022 | 0.7 | −0.1 |
| Q4 2021 | 0.7 | −0.6 |
| Q3 2021 | 0.7 | −1.1 |
| Q2 2021 | 0.7 | −1.5 |
| Q1 2021 | 0.8 | −1.9 |
| Q4 2020 | 1.3 | −1.5 |
| Q3 2020 | 1.8 | −1.0 |
| Q2 2020 | 2.2 | −0.8 |
| Q1 2020 | 2.7 | −0.3 |
| Q4 2019 | 2.8 | −0.1 |
| Q3 2019 | 2.8 | −0.1 |
| Q2 2019 | 3.0 | +0.2 |
| Q1 2019 | 3.0 | +0.2 |
| Q4 2018 | 2.9 | −0.1 |
| Q3 2018 | 2.9 | −0.2 |
| Q2 2018 | 2.8 | −0.2 |
| Q1 2018 | 2.8 | −0.1 |
| Q4 2017 | 3.0 | +0.1 |
| Q3 2017 | 3.1 | +0.2 |
| Q2 2017 | 3.0 | −0.1 |
| Q1 2017 | 2.9 | −0.3 |
| Q4 2016 | 2.9 | −0.4 |
| Q3 2016 | 2.9 | −0.5 |
| Q2 2016 | 3.1 | −0.3 |
| Q1 2016 | 3.2 | −0.2 |
| Q4 2015 | 3.3 | −0.2 |
| Q3 2015 | 3.4 | −0.1 |
| Q2 2015 | 3.4 | −0.3 |
| Q1 2015 | 3.4 | −0.4 |
| Q4 2014 | 3.5 | −0.5 |
| Q3 2014 | 3.5 | −0.6 |
| Q2 2014 | 3.7 | −0.6 |
| Q1 2014 | 3.8 | −0.8 |
| Q4 2013 | 4.0 | −0.7 |
| Q3 2013 | 4.1 | −1.0 |
| Q2 2013 | 4.3 | −0.9 |
| Q1 2013 | 4.6 | −0.7 |
| Q4 2012 | 4.7 | −0.9 |
| Q3 2012 | 5.1 | −0.5 |
| Q2 2012 | 5.2 | −0.6 |
| Q1 2012 | 5.3 | −0.9 |
| Q4 2011 | 5.6 | −1.1 |
| Q3 2011 | 5.6 | −2.1 |
| Q2 2011 | 5.8 | −2.4 |
| Q1 2011 | 6.2 | −2.8 |
| Q4 2010 | 6.7 | −3.0 |
| Q3 2010 | 7.7 | −1.9 |
| Q2 2010 | 8.2 | −1.2 |
| Q1 2010 | 9.0 | +0.2 |
| Q4 2009 | 9.7 | +1.1 |
| Q3 2009 | 9.6 | +1.8 |
| Q2 2009 | 9.4 | +2.0 |
| Q1 2009 | 8.8 | +2.3 |
| Q4 2008 | 8.6 | +3.5 |
| Q3 2008 | 7.8 | +3.8 |
| Q2 2008 | 7.4 | +3.9 |
| Q1 2008 | 6.5 | +3.5 |
| Q4 2007 | 5.1 | +2.3 |
| Q3 2007 | 4.0 | +1.3 |
| Q2 2007 | 3.5 | +1.2 |
| Q1 2007 | 3.0 | +0.7 |
| Q4 2006 | 2.8 | +0.5 |
| Q3 2006 | 2.7 | +0.3 |
| Q2 2006 | 2.3 | −0.1 |
| Q1 2006 | 2.3 | −0.1 |
| Q4 2005 | 2.3 | −0.1 |
| Q3 2005 | 2.4 | 0.0 |
| Q2 2005 | 2.4 | −0.1 |
| Q1 2005 | 2.4 | −0.2 |
| Q4 2004 | 2.4 | −0.4 |
| Q3 2004 | 2.4 | −0.5 |
| Q2 2004 | 2.5 | −0.4 |
| Q1 2004 | 2.6 | −0.2 |
| Q4 2003 | 2.8 | +0.1 |
| Q3 2003 | 2.9 | +0.1 |
| Q2 2003 | 2.9 | 0.0 |
| Q1 2003 | 2.8 | −0.1 |
| Q4 2002 | 2.7 | −0.2 |
| Q3 2002 | 2.8 | +0.1 |
| Q2 2002 | 2.9 | +0.4 |
| Q1 2002 | 2.9 | +0.6 |
| Q4 2001 | 2.9 | +0.6 |
| Q3 2001 | 2.7 | +0.5 |
| Q2 2001 | 2.5 | +0.4 |
| Q1 2001 | 2.3 | +0.2 |
| Q4 2000 | 2.3 | — |
| Q3 2000 | 2.2 | — |
| Q2 2000 | 2.1 | — |
| Q1 2000 | 2.1 | — |
Quarterly · New York Fed Consumer Credit Panel / Equifax
Counties with the highest delinquency scores
There's no county figure for this measure, so this list uses the delinquency part of our County Distress Index.
| Rank | County | Score (0–100) |
|---|---|---|
| 1 | Coahoma County, MS | 99.5 |
| 2 | Washington County, MS | 99.3 |
| 3 | Leflore County, MS | 99.3 |
| 4 | Williamsburg County, SC | 99.2 |
| 5 | Dillon County, SC | 98.9 |
| 6 | Clayton County, GA | 98.9 |
| 7 | Yazoo County, MS | 98.6 |
| 8 | Sunflower County, MS | 98.5 |
| 9 | Marlboro County, SC | 98.4 |
| 10 | Dallas County, AL | 98.3 |
Questions about new serious delinquency for borrowers aged 30 to 39
What does this rate measure for borrowers in their thirties?
The dollars of debt owed by people age 30 to 39 that became 90 or more days late within a year, as a share of the debt they held that was not yet seriously late. Mortgages, car loans, cards and student loans are counted together.
Why does this group's number sit below the under-30 rate but above the rate for people in their forties?
The thirties mix the largest new mortgages with leftover student loans and the costs of young children. A mortgage is the last bill a family lets go, so most of what turns seriously late here is cards, car loans and student debt.
Does buying a home after 2021 change the picture?
A buyer at today's mortgage rates pays several hundred dollars a month more than a neighbor who bought in 2020 at the old rates, and that money is not available for the card or the car loan when something goes wrong.
How often is the figure updated?
Each quarter, about six weeks after the quarter ends, when the New York Fed releases its Quarterly Report on Household Debt and Credit. The report also restates earlier quarters.
Sources and method for the New Serious Delinquency Rate, Borrowers Age 30 to 39
- 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. We use the quarterly figures as published, from the first quarter of 2000 through the second quarter of 2026, with no adjustment of our own. Federal Reserve Bank of New York doesn’t adjust this rate for the season, so compare a quarter with the same quarter a year earlier. Federal Reserve Bank of New York’s report
We write with assistance from AI tools. Figures come from the data and sources named on this page.