USA: Household credit
* indicates monthly or quarterly data series
The most recent value is 4566.65 billion U.S. Dollar as of January 2026, a decline compared to the previous value of 4576.19 billion U.S. Dollar. Historically, the average for the USA from June 2004 to January 2026 is 3403.77 billion U.S. Dollar. The minimum of 2078.09 billion U.S. Dollar was recorded in July 2004, while the maximum of 4576.19 billion U.S. Dollar was reached in December 2025.
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* indicates monthly or quarterly data series
- Measure: billion U.S. Dollar
- Source: The Federal Reserve System of the USA
| Recent values | USA: Household credit, billion currency units |
|---|---|
| 2026 Jan | 4566.65 |
| 2025 Dec | 4576.19 |
| 2025 Nov | 4536.53 |
| 2025 Oct | 4516.47 |
| 2025 Sep | 4503.38 |
| 2025 Aug | 4490.41 |
| 2025 Jul | 4476.07 |
| 2025 Jun | 4475.14 |
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Definition: Household credit includes credit extended by commercial banks and other deposit-taking institutions (excluding central banks) to households. Included are all credit institutions: domestic and foreign owned as well as private and public ones.
| Related indicators | Latest | Reference | Measure |
|---|---|---|---|
| Inflation | 2.9 | 2024 | percent |
| Exchange rate regimes | 7 | 2023 | index points |
| USD exchange rate | 1.0000 | 6/2026 | Local Currency Units per USD |
| Money supply (broad money) | 22,329.80 | 11/2025 | billion |
| Consumer Price Index (CPI) | 152.7226 | 4/2026 | index points |
| Inflation, monthly | 0.85 | 4/2026 | percent |
| Inflation, annual | 3.81 | 4/2026 | percent |
| Private sector credit | 10,368.98 | 1/2026 | billion |
| Business credit | 5,802.32 | 1/2026 | billion |
| Household credit | 4,566.65 | 1/2026 | billion |
| Mortgage credit | 2,682.77 | 1/2026 | billion |
| Consumer credit | 1,883.88 | 1/2026 | billion |
| Business credit interest rate | 6.75 | 6/2026 | percent |
| Mortgage credit interest rate | 5.90 | 9/2025 | percent |
| Policy rate | 3.63 | 5/2026 | percent |
| Household debt to GDP | 68.10 | 12/2025 | percent |
| Debt service ratios for private non-financial sector | 14.10 | Q4/2025 | percent |
| Bank deposits, total | 19,182.40 | 5/2026 | billion local currency units |