New Zealand: Household debt to GDP
* indicates monthly or quarterly data series
The most recent value is 91.1 percent as of December 2025, an increase compared to the previous value of 90.6 percent. Historically, the average for New Zealand from December 1990 to December 2025 is 74.75 percent. The minimum of 27.9 percent was recorded in December 1990, while the maximum of 98.3 percent was reached in March 2021.
Click on the following link to see the values of: Household debt to GDP around the world.
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* indicates monthly or quarterly data series
- Measure: percent
- Source: The Bank for International Settlements
| Recent values | New Zealand: Household debt to GDP, in percent |
|---|---|
| 2025 Dec | 91.1 |
| 2025 Sep | 90.6 |
| 2025 Jun | 90.4 |
| 2025 Mar | 90 |
| 2024 Dec | 89.9 |
| 2024 Sep | 89.6 |
| 2024 Jun | 89.4 |
| 2024 Mar | 89.4 |
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Definition: The total outstanding debt of households to banks and other financial institutions as percent of GDP.
| Related indicators | Latest | Reference | Measure |
|---|---|---|---|
| Inflation | 2.9 | 2024 | percent |
| Exchange rate regimes | 7 | 2023 | index points |
| USD exchange rate | 1.7341 | 6/2026 | Local Currency Units per USD |
| Money supply (broad money) | 447.88 | 12/2025 | billion |
| Consumer Price Index (CPI) | 147.7600 | Q1/2026 | index points |
| Inflation, monthly | 0.00 | Q1/2026 | percent |
| Inflation, annual | 3.08 | Q1/2026 | percent |
| Private sector credit | 584.32 | 12/2025 | billion |
| Business credit | 291.83 | 12/2025 | billion |
| Household credit | 292.50 | 12/2025 | billion |
| Mortgage credit | 284.90 | 12/2025 | billion |
| Consumer credit | 7.59 | 12/2025 | billion |
| Deposit interest rate | 3.46 | 2/2026 | percent |
| Business credit interest rate | 4.98 | 12/2025 | percent |
| Mortgage credit interest rate | 5.55 | 2/2026 | percent |
| Policy rate | 2.25 | 6/2026 | percent |
| Household debt to GDP | 91.10 | 12/2025 | percent |
| Bank deposits, total | 442.01 | 5/2026 | billion local currency units |