Total household debt in the US decreased by $13 billion from the prior quarter to $18.794 trillion in Q2 2026. Mortgage balances declined by $74 billion to $13.1 trillion at the end of June, and student loan balances decreased by $7 billion to $1.65 trillion. Meanwhile, home equity lines of credit (HELOC) balances rose by $13 billion to $459 billion, credit card balances rose by $21 billion to $1.26 trillion, and auto loan balances increased by $28 billion to $1.71 trillion. “Delinquency rates across most products have held steady over the past two years,” said Joelle Scally, Economic Policy Advisor at the New York Fed. “Still, new delinquencies for auto loans and credit cards remain at elevated levels, a trend we’ll continue to monitor.”. source: Federal Reserve Bank of New York

Debt Balance Total in the United States decreased to 18.77 USD Trillion in the second quarter of 2026 from 18.78 USD Trillion in the first quarter of 2026. Debt Balance Total in the United States averaged 12.98 USD Trillion from 2003 until 2026, reaching an all time high of 18.78 USD Trillion in the first quarter of 2026 and a record low of 7.23 USD Trillion in the first quarter of 2003. This page includes a chart with historical data for the United States Debt Balance Total. United States Debt Balance Total - data, historical chart, forecasts and calendar of releases - was last updated on August of 2026.



Calendar GMT Reference Actual Previous Consensus TEForecast
2026-05-12 03:00 PM
Total Household Debt
Q1 $18.8T $18.8T
2026-08-11 03:00 PM
Total Household Debt
Q2 $18.8T $18.8T
2026-11-03 04:00 PM
Total Household Debt
Q3 $18.8T



Components Last Previous Unit Reference
Credit Card Accounts 653.63 647.96 Million Jun 2026
Debt Balance Auto Loans 1.71 1.69 Trillion USD Jun 2026
Debt Balance Credit Cards 1.26 1.24 Trillion USD Jun 2026
Debt Balance Mortgages 13.12 13.19 Trillion USD Jun 2026
Debt Balance Student Loans 1.65 1.66 Trillion USD Jun 2026

Related Last Previous Unit Reference
Total Household Debt 18.77 18.78 USD Trillion Jun 2026
Mortgage Originations 504.64 529.80 Billion USD Jun 2026


United States Debt Balance Total
The Federal Reserve Bank of New York's Household Debt and Credit Report provides unique data and insight into the credit conditions and activity of U.S. consumers. Based on data from the New York Fed's Consumer Credit Panel, a nationally representative sample drawn from anonymized Equifax credit data, the report provides a quarterly snapshot of household trends in borrowing and indebtedness, including data about mortgages, student loans, credit cards, auto loans and delinquencies.
Actual Previous Highest Lowest Dates Unit Frequency
18.77 18.78 18.78 7.23 2003 - 2026 USD Trillion Quarterly
Current Prices, NSA

News Stream
US Household Debt Falls in Q2
Total household debt in the US decreased by $13 billion from the prior quarter to $18.794 trillion in Q2 2026. Mortgage balances declined by $74 billion to $13.1 trillion at the end of June, and student loan balances decreased by $7 billion to $1.65 trillion. Meanwhile, home equity lines of credit (HELOC) balances rose by $13 billion to $459 billion, credit card balances rose by $21 billion to $1.26 trillion, and auto loan balances increased by $28 billion to $1.71 trillion. “Delinquency rates across most products have held steady over the past two years,” said Joelle Scally, Economic Policy Advisor at the New York Fed. “Still, new delinquencies for auto loans and credit cards remain at elevated levels, a trend we’ll continue to monitor.”
2026-08-11
US Household Debt Rises Slightly
Total household debt in the US increased by $18 billion from the prior quarter to a new record high of $18.8 trillion in Q1 2026. Mortgage balances grew by $21 billion to $13.19 trillion, and auto loan balances increased by $18 billion to $1.69 trillion. Home equity line of credit (HELOC) balances increased by $12 billion to $446 billion, while student loan balances decreased by $6 billion to $1.66 trillion. Credit card balances fell by $25 billion to $1.25 trillion. "Aggregate household debt levels rose slightly, with modest increases in most debt types offsetting a seasonal decline in credit card balances,” said Daniel Mangrum, Research Economist at the New York Fed. “Delinquency transition rates were mostly steady, while student loan delinquencies are returning to pre-pandemic levels."
2026-05-12
US Household Debt Hits Fresh Record
Total household debt in the US increased by $191 billion from the prior quarter to a new record high of $18.8 trillion in Q4 2025. Mortgage balances grew by $98 billion to $13.17 trillion, and credit card balances rose by $44 billion to $1.28 trillion. Auto loan balances increased by $12 billion to $1.67 trillion. Home equity line of credit (HELOC) balances increased by $11.6 billion to $434 billion while student loan balances rose by $11 billion to $1.66 trillion. “As household debt levels grow modestly, mortgage delinquencies continue to increase,” said Wilbert van der Klaauw, Economic Research Advisor at the New York Fed. “Delinquency rates for mortgages are near historically normal levels, but the deterioration is concentrated in lower-income areas and in areas with declining home prices.”
2026-02-10