Stacked area
U.S. Household Debt by Type
Outstanding household debt by loan type, $ trillions
Plays the chart through its history. Pauses are where the data set a record or moved most.
Quarterly, from the New York Fed Household Debt and Credit Report. Other includes retail cards and consumer finance loans.
What American households owe, stacked by the kind of loan. Mortgages make up most of the total; the thinner layers above show how auto, student and card debt have grown or shrunk around them.
What this chart reads·6 series
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- US Household Mortgage Balances (NY Fed)as “Mortgage”latest 2026-06-30
- US Household Auto Loan Balances (NY Fed)as “Auto loan”latest 2026-06-30
- US Household Student Loan Balances (NY Fed)as “Student loan”latest 2026-06-30
- US Household Credit Card Balances (NY Fed)as “Credit card”latest 2026-06-30
- US Household Other Consumer Debt Balances (NY Fed)as “Other”latest 2026-06-30
- US Household Home Equity Line Balances (NY Fed)as “Home equity line”latest 2026-06-30
Sources·6 sources
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US Household Mortgage Balances (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit (NY Fed Consumer Credit Panel / Equifax), data workbook Page 3. Palanor downloads the workbook each quarter; every release carries the full history from 2003, so revisions correct themselves.
US Household Auto Loan Balances (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit (NY Fed Consumer Credit Panel / Equifax), data workbook Page 3. Palanor downloads the workbook each quarter; every release carries the full history from 2003. Replaces FRED MVLOAS, which the Federal Reserve discontinued in 2024.
US Household Student Loan Balances (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit (NY Fed Consumer Credit Panel / Equifax), data workbook Page 3. Palanor downloads the workbook each quarter; every release carries the full history from 2003.
US Household Credit Card Balances (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit (NY Fed Consumer Credit Panel / Equifax), data workbook Page 3. Palanor downloads the workbook each quarter; every release carries the full history from 2003.
US Household Other Consumer Debt Balances (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit (NY Fed Consumer Credit Panel / Equifax), data workbook Page 3. Palanor downloads the workbook each quarter; every release carries the full history from 2003, so revisions correct themselves.
US Household Home Equity Line Balances (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit (NY Fed Consumer Credit Panel / Equifax), data workbook Page 3. Palanor downloads the workbook each quarter; every release carries the full history from 2003, so revisions correct themselves.
Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.