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Indebtedness 2022

Average debt of indebted household-dwelling units was EUR 92,700 in 2022

release

Statistics Finland’s statistics on indebtedness show that the average debt per indebted household-dwelling unit was EUR 92,700 in 2022. The average housing loans of household-dwelling units with housing loans amounted to EUR 110,000. The growth in average debts and housing loans halted in 2022.


Correction

The data of the statistics on indebtedness for 2022 released on 22 June are erroneous and they should not be used.

Read more about the correction

Change

New database tables are published and old database tables are archived in the statistics on indebtedness

Read more about the change

Change

The release of database table 13y6 was delayed today for technical reasons. The table was released 8.30.

Read more about the change

Key selections

  • At the end of 2022, household-dwelling units' debts amounted to EUR 137 billion, most of which (70%) were housing loans.
  • The number of indebted household-dwelling units was 1.47 million, which was 52 per cent of all household-dwelling units.
  • The growth in the amount of debt halted both in real and nominal euro terms.


Database tables

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

New database tables
13xy
Classifications used:
  • Region
  • Type of debt
  • Structure of Household-dwelling unit
  • Household-dwelling units
Reference period cycle:
year
Updating frequency:
year
Statistics:
Updated:
13xz
Classifications used:
  • Structure of Household-dwelling unit
  • Major region
  • Type of debt
  • Household-dwelling units
Reference period cycle:
year
Updating frequency:
year
Statistics:
Updated:
13y1
Classifications used:
  • Municipality
  • Type of debt
  • Household-dwelling units
Reference period cycle:
year
Updating frequency:
year
Statistics:
Updated:
13y3
Classifications used:
  • Major region
  • Number of children
  • Type of debt
  • Household-dwelling units
Reference period cycle:
year
Updating frequency:
year
Statistics:
Updated:
13y4
Classifications used:
  • Debt class
  • Type of debt
  • Household-dwelling units
  • Structure of Household-dwelling unit
Reference period cycle:
year
Updating frequency:
year
Statistics:
Updated:
13y5
Classifications used:
  • Major region
  • Debt class
  • Type of debt
  • Household-dwelling units
Reference period cycle:
year
Updating frequency:
year
Statistics:
Updated:
13y6
Classifications used:
  • Interest class
  • Debt class
  • Type of debt
  • Household-dwelling units
Reference period cycle:
year
Updating frequency:
year
Statistics:
Updated:
13y7
Classifications used:
  • Age-class
  • Sex
  • Type of debt
  • Persons
Reference period cycle:
year
Updating frequency:
year
Statistics:
Updated:
142c
Classifications used:
  • Region
  • Type of debt
  • Structure of Household-dwelling unit
  • Value of money
Reference period cycle:
year
Updating frequency:
year
Statistics:
Updated:
Removed database tables

Future releases

Referencing instructions

Official Statistics of Finland (OSF): Indebtedness [online publication].
Reference period: 2022. ISSN=2489-3285. Helsinki: Statistics Finland [Referenced: 14.5.2026].
Access method:

Related topics

Work, wages and livelihoodPopulation and societyHousing and construction

Contact information

Service email
toimeentulo.tilastokeskus@stat.fi

Inquiries primarily

Marie Reijo
Senior Researcher
029 551 2547

Head of Department in charge

Hannele Orjala
Head of Department in charge
029 551 3582