Indebtedness

Official Statistics of Finland (OSF)

Statistics on indebtedness describe debts of private persons and household-dwelling units. The statistics describe indebtedness by gender, age, family type and various regional levels. The data are based on the data of the Tax Administration and the total statistics on income distribution and published once a year.

Key figures

The indebtedness ratio of household-dwelling units with housing loans

213.4 %

2024

Indebtedness
Updated: 17/12/2025

Figures

See key statistical data in the figures.

Average debts of indebted household-dwelling units and average housing loans of household-dwelling units with housing loans in last statistical year prices in 2002 to 2024

Detailed tables of the statistics are available in the StatFin database

You can find updated tables in the StatFin database. Extract the data you need into tables, view the data as charts or download the data for your use.Go to the database

Releases

Indebtedness ratio of indebted household-dwelling units was 161 per cent in 2024

Indebtedness 2024, rate of indebtedness

release

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

Indebtedness 2024, debt data

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Indebtedness ratio of indebted household-dwelling units was 167 per cent in 2023

Indebtedness 2023, rate of indebtedness

release

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].
ISSN=2489-3285. Helsinki: Statistics Finland [Referenced: 6.3.2026].
Access method:

Contact information

Inquiries primarily

Markku Nieminen
Senior Statistician
029 551 2519