Average Mortgage Size in the United States increased to 385.51 Thousand USD in January from 380.61 Thousand USD in December of 2025. This dataset includes a chart with historical data for the United States Average Mortgage Size.

Graph and download economic data for Mortgage Debt Service Payments as a Percent of Disposable Personal Income (MDSP) from Q1 2005 to Q3 2025 about disposable, payments, mortgage, personal income, debt, personal, percent, income, services, and USA.

Despite a short period of decrease after the burst of the U.S. housing bubble and the global financial crisis, the total amount of mortgage debt in the United States has been on the rise in recent years. In the third quarter of 2025, the mortgage debt amounted to 21.35 trillion U.S. dollars, up from 13.87 trillion U.S. dollars a decade ago. Which factors impact the amount of mortgage debt? One of the most important factors responsible for the growth of mortgage debt is the number of home sales: The more home transactions, the more mortgages are sold, adding to the volume of debt outstanding. Additionally, as house prices increase, so does the gross lending and debt outstanding. On the other hand, high numbers of housing unit foreclosures and mortgage debt restructuring and short-sales can reduce mortgage debt. Which property type has the largest share of the mortgage market? The total mortgage debt includes different property types, such as one-to-four family residential, multifamily residential, commercial, and farm, but the overwhelming share of debt can be attributed to mortgage debt one-to-four family residences.

Average mortgage loan amounts by year from 2018-2024 showing the annual average loan size for U.S. home buyers across all loan types including conventional, FHA, VA, and USDA mortgages

United States Mortgage Debt Outstanding: Effective Interest Rate data was reported at 3.799 % in Mar 2020. This records a decrease from the previous number of 3.872 % for Dec 2019. United States Mortgage Debt Outstanding: Effective Interest Rate data is updated quarterly, averaging 7.677 % from Mar 1977 (Median) to Mar 2020, with 173 observations. The data reached an all-time high of 11.449 % in Mar 1985 and a record low of 3.750 % in Dec 2017. United States Mortgage Debt Outstanding: Effective Interest Rate data remains active status in CEIC and is reported by Bureau of Economic Analysis. The data is categorized under Global Database’s United States – Table US.KB025: Mortgage Interest Paid. [COVID-19-IMPACT]

The average amount of non-mortgage debt held by consumers in the United States has been falling steadily during the past years, amounting to ****** U.S. dollars in 2023. While respondents had ****** U.S. dollars of debt in 2018, that volume decreased to ****** U.S. dollars in 2019, which constituted the largest year-over-year decrease.What age groups are more indebted in the U.S.?The age group with the highest level of consumer debt in the U.S. was belonging to the Generation X with approximately ******* U.S. dollars of debt in 2022. The next generations with high consumer debt levels were baby boomers and millennials, whose debt levels were similar. In comparison, credit card debt is more equally distributed across all ages. There is an exception among people under 35 years old, who are significantly less burdened with credit card debt. However, most consumers expect to get rid of their debt in the short term. College expenses as a source of debtEducational expenses were not among the leading sources of debt among consumers in the U.S. in 2022. Instead, they made up about ** percent of the total. However, around ** percent of undergraduates from lower-income families had student loans, while over a fifth of undergraduates from higher-income families had student loans. Independently of how they cover these expenses, the confidence of students and parents about being able to pay these college costs was high in most cases.

The total average non-mortgage debt of Baby Boomers in the United States amounted to nearly 18,470 U.S. dollars in 2024. Debt balances, however, varied greatly according to the generation. The Generation X held the highest debt on average, while the silent generation held the lowest average debt.

Average mortgage loan amounts by loan type for U.S. home buyers in 2024, showing loan size variations across different loan types including conventional, FHA, VA, and USDA mortgages

United States WAS: Average Loan Size data was reported at 289.500 USD th in 16 Nov 2018. This records a decrease from the previous number of 290.400 USD th for 09 Nov 2018. United States WAS: Average Loan Size data is updated weekly, averaging 195.400 USD th from Jan 1990 (Median) to 16 Nov 2018, with 1507 observations. The data reached an all-time high of 311.400 USD th in 12 Feb 2016 and a record low of 102.500 USD th in 06 Apr 1990. United States WAS: Average Loan Size data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s United States – Table US.KB008: Mortgage Loan Applications: Weekly Applications Survey.

The average loan size of new mortgages in Canada increased in 2024, after a year of steady decline in 2023. In the third quarter of 2024, the average size of a mortgage amounted to ******* Canadian dollars, up from ******* in the second quarter of 2024. Mortgages varied in size in different metropolitan areas, with Toronto and Vancouver seeing the highest value of new mortgages.

Average mortgage loan amounts by age bracket for U.S. home buyers in 2024, showing loan size variations across different age groups from 18-24 to 65+ years old

Average mortgage loan amounts by gender for U.S. home buyers in 2024

Graph and download economic data for Household Debt Service Payments as a Percent of Disposable Personal Income (TDSP) from Q1 2005 to Q4 2025 about disposable, payments, personal income, debt, personal, percent, households, income, services, and USA.

30 Year Mortgage Rate in the United States increased to 6.38 percent in March 26 from 6.22 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

This statistic shows the average mortgage debt for households with an own house in the Netherlands from 2006 to 2015 (in thousand euros). In 2006, the average mortgage debt was approximately 134,000 euros. Subsequently, this increased to roughly 158,000 euros in 2013. By 2015, a household with an own house in the Netherlands would have an average mortgage debt of approximately 154,000 euros.

Graph and download economic data for Large Bank Consumer Mortgage Originations: Original Front-End Debt-to-Income (DTI): 75th Percentile (RCMFLOFEDTIPCT75) from Q3 2012 to Q3 2025 about FR Y-14M, origination, large, percentile, mortgage, debt, consumer, banks, depository institutions, income, and USA.

Utilising a regression analysis we created a correlation matrix utilising a number of demographic indicators from the Local Insight platform. This application is showing the distribution of the datasets that were found to have the strongest relationships, with the base comparison dataset of total amount of borrowing oustanding on customer accounts for residential mortgages against the total number of households. This app contains the following datasets: median house price for residential properties, average total annual household income estimate, proportion of people working from home as a percetnage of the usual residential population in 2011, proportion of people in employment in the approximated social grade N-SEC 1. higher managerial and professional occupations, proportion of people classified as Sports Market Segmentation group fitness class friends, proportion of people working in the occupation group managers directors and senior officials, proportion of people over the age of 65 with no qualifications, average annual household income estimate, proportion of people classified as Sports Market Segmentation group competitive male urbanites and proportion of people in employment in the approximated social grade 1.1. large employers and higher managerial occupations.

Average mortgage loan amounts by race for U.S. home buyers in 2024, showing loan size variations across different racial and ethnic groups from American Indian or Alaska Native to Asian borrowers

Debt service ratios, interest and obligated principal payments on debt, and related statistics for households, Canada.

Agency purchase loan rates declined from 6.52% in 2024 to 6.44% in 2025 YTD, signaling potential affordability gains amid broader market volatility.