Total Household Debt
Total outstanding U.S. household debt
What is the current Total Household Debt?
Total U.S. household debt — including mortgages, credit cards, auto loans, student loans, and HELOCs — reached $18.78 trillion as of Q4 2025, according to the New York Fed's Household Debt and Credit Report. This aggregate captures the full stock of what American households owe across all debt types. Source: NY Fed Household Debt and Credit Report.
Total Household Debt rising to $18775.7B
Tracking worsening relative to recent baseline.
Explore Further
How has Total Household Debt changed over time?
| Period | Value | YoY Change |
|---|---|---|
| Q4 2025 | $18.8T | +$739.7B |
| Q3 2025 | $18.6T | +$642.0B |
| Q2 2025 | $18.4T | +$592.0B |
| Q1 2025 | $18.2T | +$516.0B |
| Q4 2024 | $18T | +$533.0B |
| Q3 2024 | $17.9T | +$652.0B |
| Q2 2024 | $17.8T | +$733.0B |
| Q1 2024 | $17.7T | +$640.0B |
| Q4 2023 | $17.5T | +$604.0B |
| Q3 2023 | $17.3T | +$786.0B |
| Q2 2023 | $17.1T | +$909.0B |
| Q1 2023 | $17T | +$1.2T |
Frequently Asked Questions
How much total debt do American households owe?
U.S. households owed $18.78 trillion as of Q4 2025, according to the New York Fed. This includes mortgages (the largest component), credit cards ($1.28 trillion), auto loans, student loans ($1.65 trillion), and HELOCs.
Is household debt at a record high?
Yes. Total household debt has reached new record highs in multiple consecutive quarters, driven by rising home prices (which increase mortgage balances) and record credit card accumulation. However, debt-to-income ratios matter more than the absolute dollar figure for assessing sustainability.
Where does household debt data come from?
The New York Fed publishes total household debt quarterly in its Household Debt and Credit Report, based on a nationally representative 5% sample of Equifax consumer credit reports. Data is broken down by debt type, age, geography, and delinquency status.
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