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Indebtedness 2021, December

Average debt of indebted household-dwelling units was EUR 93,100 in 2021

release

Statistics Finland’s statistics on indebtedness show that the average debt per indebted household-dwelling unit was EUR 93,100 in 2021. The average housing loans of household-dwelling units with housing loans amounted to EUR 110,600. The amount of average debts and housing loans grew slightly in real terms from 2020.

Change

The tables of indebtedness have been reformed. New statistics have been added to the tables and statistics on the income and number of household-dwelling units have been removed from the tables.

Read more about the change

Key selections

  • Household-dwelling units' debts totalled EUR 137 billion at the end of 2021.
  • Most of the debts of household-dwelling units were housing loans.
  • The average debt of indebted household-dwelling units was EUR 93,100. The average housing loan of those with housing loans was EUR 110,600.
  • The number of indebted household-dwelling units was 1.47 million, which was 53 per cent of all household-dwelling units.

Database tables

Pick the data you need into tables, view the data as graphs, or download the data for your use.

New database tables
13ey
Classifications used:
  • Type of debt
  • Region
  • Structure of Household-dwelling unit
Statistics:
Updated:
13fs
Classifications used:
  • Type of debt
  • Major region
  • Structure of Household-dwelling unit
Statistics:
Updated:
13gk
Classifications used:
  • Municipality
  • Type of debt
Statistics:
Updated:
13gs
Classifications used:
  • Type of debt
  • Major region
  • Number of children
Statistics:
Updated:
13gt
Classifications used:
  • Sructure of Householl-dwelling unit
  • Type of debt
  • Debt class
Statistics:
Updated:
13gv
Classifications used:
  • Type of debt
  • Debt class
  • Major region
Statistics:
Updated:
13is
Classifications used:
  • Type of debt
  • Interest class
  • Debt class
Statistics:
Updated:
Removed database tables

Future releases

Referencing instructions

Official Statistics of Finland (OSF): Indebtedness [online publication].
Reference period: 2021. ISSN=2489-3285. Helsinki: Statistics Finland [Referenced: 23.4.2026].
Access method:

Related topics

Work, wages and livelihoodPopulation and societyHousing and construction

Contact information

Service email
toimeentulo.tilastokeskus@stat.fi

Inquiries primarily

Ossi Kohvakka
Senior Statistician
029 551 3534

Head of Department in charge

Hannele Orjala
Head of Department in charge
029 551 3582