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Average debt of indebted household-dwelling units was EUR 94,000 in 2023

Release related to topics:Work, wages and livelihoodPopulation and societyHousing and construction
release | Indebtedness 2023

According to Statistics Finland, about half (51%) of Finnish household-dwelling units were in debt in 2023. The majority (70%) of the debt was housing debt. The average debt per indebted household-dwelling unit was EUR 94,000 in 2023. The average housing loans of household-dwelling units with housing loans amounted to EUR 114,800. The average debts decreased in both nominal and real euros.

Key selections

  • At the end of 2023, household-dwelling units' debts amounted to EUR 137 billion, most of which (70%) were housing loans.
  • Indebted household-dwelling units accounted for 51% of all household-dwelling units. Housing debtors accounted for 29% of all household-dwelling units.
  • The average debts decreased in both nominal and real euros.

Database tables

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Updated 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:
142c
Classifications used:
  • Region
  • Type of debt
  • Structure of Household-dwelling unit
  • Value of money
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:
13y7
Classifications used:
  • Age-class
  • Sex
  • Type of debt
  • Persons
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:
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:
13y1
Classifications used:
  • Municipality
  • Type of debt
  • Household-dwelling units
Reference period cycle:
year
Updating frequency:
year
Statistics:
Updated:

Future releases

Documentation

Description of the production, used methods and quality of the statistics.

Go to documentation of the statistics

Referencing instructions

Official Statistics of Finland (OSF): Indebtedness [online publication].
Reference period: 2023. ISSN=2489-3285. Helsinki: Statistics Finland [Referenced: 12.12.2024].
Access method:

Statistical experts

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Service email
toimeentulo.tilastokeskus@stat.fi
Markku Nieminen
Senior Statistician
029 551 2519

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Hannele Orjala
Head of Department in charge
029 551 3582