US household debt highest ever
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Original (en)
The New York Fed’s report shows that household debt rose by $520 billion, or 2.8%, year-on-year in the third quarter of 2026. Mortgage debt accounted for the largest share of the annual increase, followed by auto loans, home equity credit, and credit cards.
Credit card balances climbed to a record $1.29 trillion, while the average debt per borrower reached $6,678, according to separate TransUnion figures. Credit cards are among the most expensive forms of consumer borrowing, with interest rates on accounts carrying balances averaging 22.36% in the third quarter, according to Federal Reserve data.
Americans fell further behind on their debt payments in the third quarter, with 5% of outstanding household debt overdue, up from 4.7% in the previous three months.
AP has cited senior Fed officials as calling for at least two additional quarter-point rate hikes, while one governor urged consideration of a larger half-point increase in December. Higher rates could make credit card debt and other variable-rate loans even more expensive to repay.
The financial strain is particularly severe among poorer Americans. A separate New York Fed analysis released Tuesday found that 10.3% of credit card balances in the lowest-income neighborhoods became seriously delinquent over the past year, more than double the 4.4% recorded in the wealthiest areas.