Households Debt in the United States decreased to 69.20 percent of GDP in the fourth quarter of 2024 from 70.50 percent of GDP in the third quarter of 2024. This dataset provides - United States Households Debt To Gdp- actual values, historical data, forecast, chart, statistics, economic calendar and news.

Credit card debt in the United States has been growing at a fast pace between 2021 and 2025. In the fourth quarter of 2024, the overall amount of credit card debt reached its highest value throughout the timeline considered here. COVID-19 had a big impact on the indebtedness of Americans, as credit card debt decreased from *** billion U.S. dollars in the last quarter of 2019 to *** billion U.S. dollars in the first quarter of 2021. What portion of Americans use credit cards? A substantial portion of Americans had at least one credit card in 2025. That year, the penetration rate of credit cards in the United States was ** percent. This number increased by nearly seven percentage points since 2014. The primary factors behind the high utilization of credit cards in the United States are a prevalent culture of convenience, a wide range of reward schemes, and consumer preferences for postponed payments. Which companies dominate the credit card issuing market? In 2024, the leading credit card issuers in the U.S. by volume were JPMorgan Chase & Co. and American Express. Both firms recorded transactions worth over one trillion U.S. dollars that year. Citi and Capital One were the next banks in that ranking, with the transactions made with their credit cards amounting to over half a trillion U.S. dollars that year. Those industry giants, along with other prominent brand names in the industry such as Bank of America, Synchrony Financial, Wells Fargo, and others, dominate the credit card market. Due to their extensive customer base, appealing rewards, and competitive offerings, they have gained a significant market share, making them the preferred choice for consumers.

Private Debt to GDP in the United States decreased to 142 percent in 2024 from 147.50 percent in 2023. United States Private Debt to GDP - values, historical data, forecasts and news - updated on June of 2025.

Total outstanding debt of the U.S. government reported daily. Includes a breakout of intragovernmental holdings (federal debt held by U.S. government) and debt held by the public (federal debt held by entities outside the U.S. government).

Graph and download economic data for Household Debt Service Payments as a Percent of Disposable Personal Income (TDSP) from Q1 1980 to Q4 2024 about disposable, payments, debt, personal income, percent, personal, households, services, income, and USA.

This dataset provides values for HOUSEHOLDS DEBT TO INCOME reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

In September 2023, the national debt of the United States had risen up to 33.17 trillion U.S. dollars. The national debt per capita had risen to 85,552 U.S. dollars in 2021. As represented by the statistic above, the public debt of the United States has been continuously rising.

U.S. public debt Public debt, also known as national and governmental debt, is the debt owed by a nations’ central government. In the case of the U.S., national debt is owed by the federal government to Treasury security holders. Generally speaking, government debt increases with government spending, and can be decreased through taxes. During the COVID-19 pandemic, the U.S. government increased spending significantly to finance virus infrastructure, aid, and various forms of economic relief.

International public debt

Venezuela leads the global ranking of the 20 countries with the highest public debt in 2021. In relation to the Gross Domestic Product (GDP), Venezuela's public debt amounted to around 306.95 percent of GDP. Eritrea was ranked fifth, with an estimated debt of 170 percent of the Gross Domestic Product.

The national debt of the United Kingdom is forecasted to grow from 87 percent in 2022 to 70 percent in 2027, in relation to the Gross Domestic Product. These figures include England, Wales, Scotland as well as Northern Ireland.

Greece had the highest national debt among EU countries as of the 4th quarter of 2020 in relation to the Gross Domestic Product. Germany ranked 13th in the EU, with its national debt amounting to 69 percent of GDP in the same time period.

Tuvalu was one of the 20 countries with the lowest national debt in 2021 in relation to the GDP, while Macao had an estimated level of national debt of zero percent, the lowest of any country. The data refer to the debts of the entire state, including the central government, the provinces, municipalities, local authorities and social insurance.

United States Mortgage Debt: 1 to 4 Family Res: Individuals data was reported at 912.840 USD bn in Jun 2018. This records an increase from the previous number of 904.269 USD bn for Mar 2018. United States Mortgage Debt: 1 to 4 Family Res: Individuals data is updated quarterly, averaging 176.797 USD bn from Dec 1949 (Median) to Jun 2018, with 269 observations. The data reached an all-time high of 1,182.406 USD bn in Sep 2006 and a record low of 33.000 USD mn in Dec 1949. United States Mortgage Debt: 1 to 4 Family Res: Individuals data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s United States – Table US.KB009: Mortgage Debt Outstanding.

Consumer Credit in the United States increased to 17.87 USD Billion in April from 8.60 USD Billion in March of 2025. This dataset provides the latest reported value for - United States Consumer Credit Change - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

United States Mortgage Debt: Individuals & Others data was reported at 1,314.354 USD bn in Mar 2018. This records an increase from the previous number of 1,305.065 USD bn for Dec 2017. United States Mortgage Debt: Individuals & Others data is updated quarterly, averaging 378.368 USD bn from Dec 1949 (Median) to Mar 2018, with 268 observations. The data reached an all-time high of 1,433.203 USD bn in Mar 2007 and a record low of 9.722 USD bn in Dec 1949. United States Mortgage Debt: Individuals & Others data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s USA – Table US.KA017: Mortgage Debt Outstanding.

Graph and download economic data for Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks (CCLACBW027SBOG) from 2000-06-28 to 2025-06-11 about revolving, credit cards, loans, consumer, banks, depository institutions, and USA.

Debt Balance Credit Cards in the United States decreased to 1.18 Trillion USD in the first quarter of 2025 from 1.21 Trillion USD in the fourth quarter of 2024. This dataset includes a chart with historical data for the United States Debt Balance Credit Cards.

Debt collection agencies have been severely impacted by several macroeconomic events and uneven consumer sentiment, creating large shifts in debt payments and new debt accrual. Following the pandemic, debt collection agencies struggled to find their footing, as a multitude of government assistance through policies such as the American Rescue Plan of March 2021 and student loan freeze bolstered individual consumers’ debt repayment capabilities and resulted in a considerable slowdown in overall debt accrual. However, in recent years, this has reversed, as the interest rate hikes in 2023, which peaked at 5.3% per the Federal Reserve, made it more difficult to finance debt payments. The lifting of the student loan freeze in October 2023 created further repayment stresses for consumers, while businesses were forced to rely on more expensive financing options for their capital needs due to high interest rates. Despite the more recent recovery, the overarching effects of debt repayment freeze and generous federal stimulus resulted in revenue slipping at a CAGR of 2.6% to an estimated $16.4 billion over the past five years, including an estimated 2.3% boost in 2025 alone. Small debt collection agencies face significant pressure from emerging accounts receivable platforms and virtual debt collection companies that aim to replace traditional practices. Prominent debt collectors can invest in new communication methods and data analytics, giving them an edge in outreach techniques such as telephone calling and social media communications. Competitive pressures intensify as new technology enables companies to manage their own debt collection, while out-of-market firms like fintech, e-commerce and payment platforms gain new revenue streams. Prominent companies, such as Alorica Inc., have responded tactically, with the company pursuing an AI cloud partnership with Google in October 2024 which bolstered profitability through more efficient internal workflow and direct-to-consumer services.Moving forward, debt collection agencies face positive prospects amid anticipated slowdown in interest rates and continued growth in medical and student loan debt. Consumers will use less revolving debt and hold larger balances in a higher interest rate environment; according to 2024 data from the New York Fed, outstanding credit card debt exceeded $1.2 trillion last year alone. Nonetheless, continued pressure from in-house alternatives among established financial organizations will force debt collection agencies to remain at the forefront of workflow modernization when procuring debt portfolios. Revenue is expected to accelerate at a CAGR of 2.1% to an estimated $18.3 billion through the end of 2030.

United States Mortgage Debt: Farm: Individuals data was reported at 12.887 USD bn in Jun 2018. This records a decrease from the previous number of 13.084 USD bn for Mar 2018. United States Mortgage Debt: Farm: Individuals data is updated quarterly, averaging 14.712 USD bn from Dec 1949 (Median) to Jun 2018, with 269 observations. The data reached an all-time high of 64.611 USD bn in Mar 1982 and a record low of 2.355 USD bn in Dec 1949. United States Mortgage Debt: Farm: Individuals data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s United States – Table US.KB009: Mortgage Debt Outstanding.

Debt Balance Auto Loans in the United States decreased to 1.64 Trillion USD in the first quarter of 2025 from 1.66 Trillion USD in the fourth quarter of 2024. This dataset includes a chart with historical data for the United States Debt Balance Auto Loans.

The Survey of Consumer Finances (SCF) dataset, provided by the Federal Reserve, offers comprehensive insights into the financial condition of U.S. households. This dataset is invaluable for researchers, policymakers, and analysts interested in understanding consumer behavior, wealth distribution, and economic trends in the United States.

The SCF dataset includes detailed information on household income, assets, liabilities, and various demographic characteristics. It is collected every three years and serves as a crucial resource for analyzing the financial well-being of American families.

Key Features: Income Data: Information on various sources of income, including wages, investments, and government assistance. Asset Ownership: Detailed accounts of household assets, such as real estate, retirement accounts, stocks, and other investments. Liabilities:Comprehensive details on household debts, including mortgages, credit card debts, and student loans. Demographics: Data covering age, education, race, and family structure, allowing for nuanced analysis of financial trends across different segments of the population.

Use Cases: Economic research and analysis, Policy formulation and assessment, Understanding wealth inequality, Consumer behavior studies

Citing the Dataset:

When using this dataset in your research, please ensure to cite the Federal Reserve Board and the SCF as the original source.

Note: The dataset is intended for educational and research purposes. Users are encouraged to adhere to ethical guidelines when analyzing and interpreting the data.

Graph and download economic data for Federal Debt Held by Foreign and International Investors as Percent of Gross Domestic Product (HBFIGDQ188S) from Q1 1970 to Q1 2025 about foreign, debt, federal, GDP, and USA.

Graph and download economic data for Personal Saving Rate (PSAVERT) from Jan 1959 to Apr 2025 about savings, personal, rate, and USA.

United States Mortgage Debt: Nonfarm, Nonres: Individuals data was reported at 265.789 USD bn in Jun 2018. This records a decrease from the previous number of 269.320 USD bn for Mar 2018. United States Mortgage Debt: Nonfarm, Nonres: Individuals data is updated quarterly, averaging 89.013 USD bn from Dec 1949 (Median) to Jun 2018, with 269 observations. The data reached an all-time high of 312.787 USD bn in Dec 2014 and a record low of 5.022 USD bn in Dec 1949. United States Mortgage Debt: Nonfarm, Nonres: Individuals data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s USA – Table US.KB009: Mortgage Debt Outstanding.

Following the drastic increase directly after the COVID-19 pandemic, the delinquency rate started to gradually decline, falling below *** percent in the second quarter of 2023. In the second half of 2023, the delinquency rate picked up, but remained stable throughout 2024. In the first quarter of 2025, **** percent of mortgage loans were delinquent. That was significantly lower than the **** percent during the onset of the COVID-19 pandemic in 2020 or the peak of *** percent during the subprime mortgage crisis of 2007-2010. What does the mortgage delinquency rate tell us? The mortgage delinquency rate is the share of the total number of mortgaged home loans in the U.S. where payment is overdue by 30 days or more. Many borrowers eventually manage to service their loan, though, as indicated by the markedly lower foreclosure rates. Total home mortgage debt in the U.S. stood at almost ** trillion U.S. dollars in 2024. Not all mortgage loans are made equal ‘Subprime’ loans, being targeted at high-risk borrowers and generally coupled with higher interest rates to compensate for the risk. These loans have far higher delinquency rates than conventional loans. Defaulting on such loans was one of the triggers for the 2007-2010 financial crisis, with subprime delinquency rates reaching almost ** percent around this time. These higher delinquency rates translate into higher foreclosure rates, which peaked at just under ** percent of all subprime mortgages in 2011.