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How much household debt do Americans have?
Answer: Americans owed $18.77 trillion in household debt in 2026Q2, including $1.26 trillion on credit cards and $1.71 trillion in auto loans; 3.31% of all debt was 90+ days delinquent (source: New York Fed, 2026Q2 report).
Cite this dataset
VaultRubric. “U.S. household debt by type (Lender Tracker top-level stats).” Data as of 2026Q2. https://vaultrubric.com/data/datasets/lender-tracker (accessed 2026-10-16). CC BY 4.0.
About this data
Quarterly U.S. household debt balances by type (mortgage, HELOC, auto, credit card, student, other) in trillions of dollars, plus the share of all debt 90+ days delinquent. Free top-level stats behind the VaultRubric Lender Tracker.
Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, 2026Q2 (NY Fed Consumer Credit Panel/Equifax). Data as of 2026Q2. Updated 2026-10-16. License: CC BY 4.0, credit VaultRubric with a link.
Latest rows
| quarter | mortgage_tn | heloc_tn | auto_loan_tn | credit_card_tn | student_loan_tn | other_tn | total_tn | pct_balance_90plus_days_delinquent_all |
|---|---|---|---|---|---|---|---|---|
| 2026Q2 | 13.117 | 0.4585 | 1.713 | 1.263 | 1.651 | 0.568 | 18.7705 | 3.31 |
| 2026Q1 | 13.191 | 0.446 | 1.685 | 1.242 | 1.658 | 0.562 | 18.784 | 3.36 |
| 2025Q4 | 13.17 | 0.4336 | 1.667 | 1.277 | 1.664 | 0.5641 | 18.7757 | 3.1216 |
| 2025Q3 | 13.072 | 0.422 | 1.655 | 1.233 | 1.653 | 0.55 | 18.585 | 2.98 |
| 2025Q2 | 12.935 | 0.411 | 1.655 | 1.209 | 1.638 | 0.54 | 18.388 | 3.0378 |
| 2025Q1 | 12.804 | 0.402 | 1.642 | 1.182 | 1.631 | 0.542 | 18.203 | 2.8441 |
| 2024Q4 | 12.605 | 0.396 | 1.655 | 1.211 | 1.615 | 0.554 | 18.036 | 2.04 |
| 2024Q3 | 12.594 | 0.387 | 1.644 | 1.166 | 1.606 | 0.546 | 17.943 | 1.9672 |
| 2024Q2 | 12.519 | 0.38 | 1.626 | 1.142 | 1.585 | 0.544 | 17.796 | 1.83 |
| 2024Q1 | 12.442 | 0.376 | 1.616 | 1.115 | 1.595 | 0.543 | 17.687 | 1.83 |
| 2023Q4 | 12.252 | 0.36 | 1.607 | 1.129 | 1.601 | 0.554 | 17.503 | 1.74 |
| 2023Q3 | 12.14 | 0.349 | 1.595 | 1.079 | 1.599 | 0.529 | 17.291 | 1.62 |
Explore more: /pro/lender-tracker · all VaultRubric datasets · methodology
FAQ
How much household debt do Americans have?
Americans owed $18.77 trillion in household debt in 2026Q2, including $1.26 trillion on credit cards and $1.71 trillion in auto loans; 3.31% of all debt was 90+ days delinquent (source: New York Fed, 2026Q2 report).
Can I use and cite this data?
Yes. It is free under CC BY 4.0. Cite: VaultRubric. “U.S. household debt by type (Lender Tracker top-level stats).” Data as of 2026Q2. https://vaultrubric.com/data/datasets/lender-tracker (accessed 2026-10-16). CC BY 4.0.
Where does the data come from?
Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, 2026Q2 (NY Fed Consumer Credit Panel/Equifax). VaultRubric only reformats and summarizes it; every number links back to the original source.
How often is it updated?
Whenever the source publishes new figures; the page and CSV regenerate from the same file, and dateModified shows the last rebuild.
Facts only, not financial advice or a recommendation to buy or sell anything.
Best pick for your situation
Best way to use this dataset: download the CSV, keep the as-of date with any number you quote, and link the original source.
The math:
- Example: a rate quoted without its date can be wrong within a week; "4.10% APY as of Oct 15, 2026 (bank's page)" stays checkable.
Sources: the original sources listed in each dataset.
A best fit for the situation described, not financial advice or a buy/sell recommendation. Partner links never change a pick.
Your roadmap
- Read the field notes on this page.
- Download the CSV or JSON.
- Check the as-of date for each row.
- Cite VaultRubric and the original source.
- Come back for the next refresh; the date on the page shows when it changed.