Japan: Household debt to GDP
* indicates monthly or quarterly data series
The most recent value is 61.1 percent as of December 2025, no change compared to the previous value of 61.1 percent. Historically, the average for Japan from December 1964 to December 2025 is 53.67 percent. The minimum of 19.9 percent was recorded in June 1965, while the maximum of 70.2 percent was reached in December 1999.
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* indicates monthly or quarterly data series
- Measure: percent
- Definition: The total outstanding debt of households to banks and other financial institutions as percent of GDP.
- Source: The Bank for International Settlements
| Recent values | Japan: Household debt to GDP, in percent |
|---|---|
| 2025 Dec | 61.1 |
| 2025 Sep | 61.1 |
| 2025 Jun | 61.3 |
| 2025 Mar | 61.8 |
| 2024 Dec | 62.1 |
| 2024 Sep | 62.1 |
| 2024 Jun | 62.6 |
| 2024 Mar | 62.4 |
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| Related indicators | Latest | Reference | Measure |
|---|---|---|---|
| Inflation | 3.2 | 2025 | percent |
| Exchange rate regimes | 7 | 2023 | index points |
| USD exchange rate | 158.8687 | 8/2026 | Local Currency Units per USD |
| Money supply (broad money) | 1,296,442.60 | 6/2026 | billion |
| Consumer Price Index (CPI) | 120.4132 | 7/2026 | index points |
| Inflation, monthly | 0.09 | 6/2026 | percent |
| Inflation, annual | 1.70 | 6/2026 | percent |
| Food and beverages inflation | 3.63 | 6/2026 | percent |
| Alcohol and tobacco inflation | 0.61 | 6/2026 | percent |
| Energy price inflation | -0.08 | 6/2026 | percent |
| Transport services inflation | 1.15 | 6/2026 | percent |
| Services inflation | 0.97 | 6/2026 | percent |
| Information and communication inflation | 2.49 | 6/2026 | percent |
| Restaurant and accommodation services inflation | 1.63 | 6/2026 | percent |
| Health care inflation | 1.54 | 6/2026 | percent |
| Education services inflation | -5.64 | 6/2026 | percent |
| Clothing and footwear inflation | 1.71 | 6/2026 | percent |
| Housing inflation | 0.69 | 6/2026 | percent |
| Private sector credit | 718,991.30 | 6/2026 | billion |
| Business credit | 522,280.10 | 6/2026 | billion |
| Household credit | 196,711.20 | 6/2026 | billion |
| Mortgage credit | 177,907.70 | Q2/2026 | billion |
| Consumer credit | 18,803.50 | Q2/2026 | billion |
| Deposit interest rate | 0.84 | 6/2026 | percent |
| Policy rate | 1.00 | 8/2026 | percent |
| Household debt to GDP | 61.10 | 12/2025 | percent |
| Debt service ratios for private non-financial sector | 15.50 | Q4/2025 | percent |