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Household Debt
Total debt owed by US households and nonprofits.
$21.1T
Millions of dollars · latest, Jan 2026
vs prior quarter▲ 0.6%
vs year ago▲ 3.3%
| Year | Household Debt |
|---|---|
| 1951 | $0.1T |
| 1952 | $0.1T |
| 1953 | $0.1T |
| 1954 | $0.1T |
| 1955 | $0.1T |
| 1956 | $0.2T |
| 1957 | $0.2T |
| 1958 | $0.2T |
| 1959 | $0.2T |
| 1960 | $0.2T |
| 1961 | $0.2T |
| 1962 | $0.3T |
| 1963 | $0.3T |
| 1964 | $0.3T |
| 1965 | $0.3T |
| 1966 | $0.4T |
| 1967 | $0.4T |
| 1968 | $0.4T |
| 1969 | $0.5T |
| 1970 | $0.5T |
| 1971 | $0.5T |
| 1972 | $0.6T |
| 1973 | $0.6T |
| 1974 | $0.7T |
| 1975 | $0.7T |
| 1976 | $0.8T |
| 1977 | $1.0T |
| 1978 | $1.1T |
| 1979 | $1.3T |
| 1980 | $1.4T |
| 1981 | $1.5T |
| 1982 | $1.6T |
| 1983 | $1.8T |
| 1984 | $2.0T |
| 1985 | $2.3T |
| 1986 | $2.6T |
| 1987 | $2.8T |
| 1988 | $3.1T |
| 1989 | $3.4T |
| 1990 | $3.6T |
| 1991 | $3.9T |
| 1992 | $4.1T |
| 1993 | $4.3T |
| 1994 | $4.6T |
| 1995 | $5.0T |
| 1996 | $5.3T |
| 1997 | $5.7T |
| 1998 | $6.1T |
| 1999 | $6.7T |
| 2000 | $7.2T |
| 2001 | $7.9T |
| 2002 | $8.7T |
| 2003 | $9.7T |
| 2004 | $10.9T |
| 2005 | $12.1T |
| 2006 | $13.3T |
| 2007 | $14.2T |
| 2008 | $14.2T |
| 2009 | $14.0T |
| 2010 | $13.8T |
| 2011 | $13.7T |
| 2012 | $13.6T |
| 2013 | $13.8T |
| 2014 | $13.9T |
| 2015 | $14.1T |
| 2016 | $14.5T |
| 2017 | $15.0T |
| 2018 | $15.5T |
| 2019 | $16.1T |
| 2020 | $16.6T |
| 2021 | $18.2T |
| 2022 | $19.4T |
| 2023 | $20.0T |
| 2024 | $20.3T |
| 2025 | $20.9T |
| 2026 | $21.1T |
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Source: FRED · CMDEBT · series · Oct 1951 to Jan 2026 · latest-revised
Refreshed Jul 31, 2026 from FRED.
Total debt owed by US households and nonprofits.
Total debt owed by US households and nonprofit organizations (Fed Z.1).
Source: FRED · Jan 2026 · Full lesson → Learn
About the bands. Shaded spans are NBER-dated US recessions, drawn as factual overlays. They mark when the economy contracted, not why. Lining an event up with a move is not evidence it caused the move.
Read across
No single number is the economy. These measure nearby parts of it — add one to compare, or open it on its own.
- Household Debt-Service Ratio Required payments as a share of income, which controls for rates and earnings.
- Household Net Worth Assets against which this debt is held.
- Mortgage Debt The largest single component of household debt.