South Africa: Household debt to GDP
* indicates monthly or quarterly data series
The most recent value is 33.5 percent as of December 2025, a decline compared to the previous value of 33.6 percent. Historically, the average for South Africa from March 2008 to December 2025 is 37.02 percent. The minimum of 33.5 percent was recorded in December 2025, while the maximum of 44.4 percent was reached in March 2008.
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 | South Africa: Household debt to GDP, in percent |
|---|---|
| 2025 Dec | 33.5 |
| 2025 Sep | 33.6 |
| 2025 Jun | 33.7 |
| 2025 Mar | 33.7 |
| 2024 Dec | 33.8 |
| 2024 Sep | 33.9 |
| 2024 Jun | 34 |
| 2024 Mar | 34.4 |
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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 | 3.2 | 2025 | percent |
| Exchange rate regimes | 7 | 2023 | index points |
| USD exchange rate | 16.4539 | 7/2026 | Local Currency Units per USD |
| Money supply (broad money) | 4,889.29 | 6/2026 | billion |
| Consumer Price Index (CPI) | 219.2759 | 6/2026 | index points |
| Inflation, monthly | 0.75 | 6/2026 | percent |
| Inflation, annual | 4.98 | 6/2026 | percent |
| Alcohol and tobacco inflation | 3.56 | 6/2026 | percent |
| Transport services inflation | 12.50 | 6/2026 | percent |
| Information and communication inflation | 1.57 | 6/2026 | percent |
| Restaurant and accommodation services inflation | 5.08 | 6/2026 | percent |
| Health care inflation | 3.64 | 6/2026 | percent |
| Education services inflation | 5.36 | 4/2026 | percent |
| Clothing and footwear inflation | 1.19 | 4/2026 | percent |
| Housing inflation | 3.97 | 4/2026 | percent |
| Private sector credit | 2,626.80 | 6/2026 | billion |
| Business credit | 2,626.80 | 6/2026 | billion |
| Household credit | 2,332.03 | 6/2026 | billion |
| Deposit interest rate | 8.12 | 12/2025 | percent |
| Mortgage credit interest rate | 11.25 | 11/2024 | percent |
| Policy rate | 7.00 | 6/2026 | percent |
| Household debt to GDP | 33.50 | 12/2025 | percent |
| Debt service ratios for private non-financial sector | 8.30 | Q4/2025 | percent |
| Bank deposits, total | 3,692.20 | 4/2026 | billion local currency units |
| Bank deposits, local currency | 3,542.19 | 4/2026 | billion local currency units |
| Bank deposits, foreign currency | 150.01 | 4/2026 | billion local currency units |