How much debt does the average person in the US owe?
$63K
$20.2
The average American owed $63,000 in debt in Q2 2025
Quarterly household debt per capita for people with a credit score, adjusted for inflation (Q2 2025)
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Mortgage debt made up around 69.7% of all household debt in 2024
Annual household debt per capita for people with a credit score, adjusted for inflation (2024)
Auto loans made up the largest proportion of non-mortgage debt in 2024
Annual household debt per capita for people with a credit score, adjusted for inflation (2024)
Hawaii had the highest debt-to-income ratio in the US in 2024
Annual household debt, excluding student loans, compared to annual household income
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Methodology
USAFacts standardizes data, in areas such as time and demographics, to make it easier to understand and compare.
The analysis was generated with the help of AI and reviewed by USAFacts for accuracy.
Page sources
USAFacts endeavors to share the most up-to-date information available. We sourced the data on this page directly from government agencies; however, the intervals at which agencies publish updated data vary.