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Half of Finnish household-dwelling units were debt-free in 2024

Release related to topics:Work, wages and livelihoodPopulation and societyHousing and construction
release | Indebtedness 2024

Change

New database tables are published and old database tables are archived in the statistics on indebtedness..
Read more about the change

According to Statistics Finland, about half (49%) of Finnish household-dwelling units were debt-free in 2024. The average debt per indebted household-dwelling unit was EUR 94,400 in 2024. The average debts of indebted household-dwelling units decreased by about EUR 1,000 from the previous year. The majority (68%) of the total amount owed was housing debt. Households with housing loans made up 28% of all household-dwelling units in Finland.

Key selections

  • At the end of 2024, household-dwelling units' debts amounted to EUR 137 billion, while interest payments amounted to EUR 6 billion.
  • Of the total amount of debt, 68% was housing debt. Housing debtors accounted for 28% of all household-dwelling units.
  • The average debt per indebted household-dwelling unit was EUR 94,400 in 2024, with an average payment of EUR 4,100 in interest.

Change

New database tables are published and old database tables are archived in the statistics on indebtedness..
Read more about the change

Database tables

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

New database tables
157v
Classifications used:
  • Region
  • Structure of household-dwelling unit
  • Indebtedness of household-dwelling unit
Reference period cycle:
year
Updating frequency:
year
Statistics:
Updated:
157w
Classifications used:
  • Region
  • Structure of household-dwelling unit
  • Type of debt
Reference period cycle:
year
Updating frequency:
year
Statistics:
Updated:
157x
Classifications used:
  • Region
  • Indebtedness of household-dwelling unit
Reference period cycle:
year
Updating frequency:
year
Statistics:
Updated:
157y
Classifications used:
  • Region
  • Type of debt
Reference period cycle:
year
Updating frequency:
year
Statistics:
Updated:
157z
Classifications used:
  • Age
  • Sex
  • Indebtedness
Reference period cycle:
year
Updating frequency:
year
Statistics:
Updated:
158a
Classifications used:
  • Age
  • Sex
  • Type of debt
Reference period cycle:
year
Updating frequency:
year
Statistics:
Updated:
158b
Classifications used:
  • Value of money
  • Region
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: 2024. ISSN=2489-3285. Helsinki: Statistics Finland [Referenced: 30.6.2025].
Access method:

Statistical experts

Inquiries primarily

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

Head of Department in charge

Hannele Orjala
Head of Department in charge
029 551 3582