Data / Household credit market debt to income / Canada

Household credit market debt to income in Canada

Household credit market debt to income in Canada was 175.06% in Q2 2026, according to Statistics Canada. That is up 1.36 pts from Q2 2025.

Q2 2026175.06%
Change on Q2 2025+1.36 pts
Series high187.67Q3 2022
Series low86.11Q1 1990
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Household credit market debt to income in Canada, Q1 1990 to Q2 2026

751001251501752001990-Q11995-Q22000-Q32005-Q42011-Q12016-Q22021-Q32026-Q21990-Q1: 86.11 %1990-Q2: 87.86 %1990-Q3: 88.01 %1990-Q4: 88.29 %1991-Q1: 88 %1991-Q2: 88.75 %1991-Q3: 89.73 %1991-Q4: 90.27 %1992-Q1: 90.07 %1992-Q2: 90.74 %1992-Q3: 91.11 %1992-Q4: 92 %1993-Q1: 91.45 %1993-Q2: 91.93 %1993-Q3: 92.87 %1993-Q4: 93.62 %1994-Q1: 93.81 %1994-Q2: 94.88 %1994-Q3: 96.02 %1994-Q4: 96.97 %1995-Q1: 96.94 %1995-Q2: 97.56 %1995-Q3: 98.68 %1995-Q4: 98.94 %1996-Q1: 99.15 %1996-Q2: 100.73 %1996-Q3: 101.53 %1996-Q4: 102.44 %1997-Q1: 102.88 %1997-Q2: 103.49 %1997-Q3: 104.84 %1997-Q4: 105.6 %1998-Q1: 106.09 %1998-Q2: 107.23 %1998-Q3: 108.2 %1998-Q4: 108.69 %1999-Q1: 108.12 %1999-Q2: 108.58 %1999-Q3: 108.72 %1999-Q4: 108.96 %2000-Q1: 109.24 %2000-Q2: 108.98 %2000-Q3: 109.26 %2000-Q4: 108.52 %2001-Q1: 107.12 %2001-Q2: 108 %2001-Q3: 109.09 %2001-Q4: 109.97 %2002-Q1: 110.36 %2002-Q2: 111.82 %2002-Q3: 113.2 %2002-Q4: 114.04 %2003-Q1: 113.92 %2003-Q2: 115.12 %2003-Q3: 117.43 %2003-Q4: 119.28 %2004-Q1: 120.13 %2004-Q2: 123.05 %2004-Q3: 124.65 %2004-Q4: 126.06 %2005-Q1: 127.38 %2005-Q2: 129.91 %2005-Q3: 132.12 %2005-Q4: 133.37 %2006-Q1: 133.01 %2006-Q2: 134.71 %2006-Q3: 136.62 %2006-Q4: 138.03 %2007-Q1: 139.63 %2007-Q2: 142.88 %2007-Q3: 145.3 %2007-Q4: 146.75 %2008-Q1: 147.86 %2008-Q2: 149.89 %2008-Q3: 150.81 %2008-Q4: 151.18 %2009-Q1: 152.15 %2009-Q2: 155.22 %2009-Q3: 158.29 %2009-Q4: 160.48 %2010-Q1: 159.04 %2010-Q2: 160.87 %2010-Q3: 162.1 %2010-Q4: 162.48 %2011-Q1: 162.54 %2011-Q2: 163.92 %2011-Q3: 164.76 %2011-Q4: 164.52 %2012-Q1: 163.65 %2012-Q2: 164.87 %2012-Q3: 165.43 %2012-Q4: 165.23 %2013-Q1: 164.33 %2013-Q2: 165.16 %2013-Q3: 165.78 %2013-Q4: 165.42 %2014-Q1: 165.03 %2014-Q2: 165.96 %2014-Q3: 167.4 %2014-Q4: 167.46 %2015-Q1: 166.68 %2015-Q2: 168.25 %2015-Q3: 169.56 %2015-Q4: 170.09 %2016-Q1: 171.99 %2016-Q2: 175.68 %2016-Q3: 178.07 %2016-Q4: 179.23 %2017-Q1: 179.03 %2017-Q2: 180.4 %2017-Q3: 180.5 %2017-Q4: 179.87 %2018-Q1: 178.96 %2018-Q2: 180.04 %2018-Q3: 181.58 %2018-Q4: 182.09 %2019-Q1: 181.04 %2019-Q2: 181.41 %2019-Q3: 181.41 %2019-Q4: 180.54 %2020-Q1: 178.78 %2020-Q2: 174.69 %2020-Q3: 174.41 %2020-Q4: 174.72 %2021-Q1: 171.96 %2021-Q2: 177.64 %2021-Q3: 180.27 %2021-Q4: 182.23 %2022-Q1: 184.09 %2022-Q2: 187.29 %2022-Q3: 187.67 %2022-Q4: 185.16 %2023-Q1: 183.33 %2023-Q2: 183.33 %2023-Q3: 182.07 %2023-Q4: 180.66 %2024-Q1: 177.82 %2024-Q2: 176.84 %2024-Q3: 175.97 %2024-Q4: 174.98 %2025-Q1: 172.65 %2025-Q2: 173.7 %2025-Q3: 174.91 %2025-Q4: 175.3 %2026-Q1: 174.78 %2026-Q2: 175.06 %501001502001990-Q12002-Q22014-Q32026-Q22026-Q2: 175.06 %
%. Source: Statistics Canada, Table 38-10-0235-01, Financial indicators of households and non-profit institutions serving households, national balance sheet accounts: Canada, Households, Credit market debt to disposable income. Retrieved 2026-10-12.
All 146 values
Period%
2026-Q2175.06
2026-Q1174.78
2025-Q4175.3
2025-Q3174.91
2025-Q2173.7
2025-Q1172.65
2024-Q4174.98
2024-Q3175.97
2024-Q2176.84
2024-Q1177.82
2023-Q4180.66
2023-Q3182.07
2023-Q2183.33
2023-Q1183.33
2022-Q4185.16
2022-Q3187.67
2022-Q2187.29
2022-Q1184.09
2021-Q4182.23
2021-Q3180.27
2021-Q2177.64
2021-Q1171.96
2020-Q4174.72
2020-Q3174.41
2020-Q2174.69
2020-Q1178.78
2019-Q4180.54
2019-Q3181.41
2019-Q2181.41
2019-Q1181.04
2018-Q4182.09
2018-Q3181.58
2018-Q2180.04
2018-Q1178.96
2017-Q4179.87
2017-Q3180.5
2017-Q2180.4
2017-Q1179.03
2016-Q4179.23
2016-Q3178.07
2016-Q2175.68
2016-Q1171.99
2015-Q4170.09
2015-Q3169.56
2015-Q2168.25
2015-Q1166.68
2014-Q4167.46
2014-Q3167.4
2014-Q2165.96
2014-Q1165.03
2013-Q4165.42
2013-Q3165.78
2013-Q2165.16
2013-Q1164.33
2012-Q4165.23
2012-Q3165.43
2012-Q2164.87
2012-Q1163.65
2011-Q4164.52
2011-Q3164.76
2011-Q2163.92
2011-Q1162.54
2010-Q4162.48
2010-Q3162.1
2010-Q2160.87
2010-Q1159.04
2009-Q4160.48
2009-Q3158.29
2009-Q2155.22
2009-Q1152.15
2008-Q4151.18
2008-Q3150.81
2008-Q2149.89
2008-Q1147.86
2007-Q4146.75
2007-Q3145.3
2007-Q2142.88
2007-Q1139.63
2006-Q4138.03
2006-Q3136.62
2006-Q2134.71
2006-Q1133.01
2005-Q4133.37
2005-Q3132.12
2005-Q2129.91
2005-Q1127.38
2004-Q4126.06
2004-Q3124.65
2004-Q2123.05
2004-Q1120.13
2003-Q4119.28
2003-Q3117.43
2003-Q2115.12
2003-Q1113.92
2002-Q4114.04
2002-Q3113.2
2002-Q2111.82
2002-Q1110.36
2001-Q4109.97
2001-Q3109.09
2001-Q2108
2001-Q1107.12
2000-Q4108.52
2000-Q3109.26
2000-Q2108.98
2000-Q1109.24
1999-Q4108.96
1999-Q3108.72
1999-Q2108.58
1999-Q1108.12
1998-Q4108.69
1998-Q3108.2
1998-Q2107.23
1998-Q1106.09
1997-Q4105.6
1997-Q3104.84
1997-Q2103.49
1997-Q1102.88
1996-Q4102.44
1996-Q3101.53
1996-Q2100.73
1996-Q199.15
1995-Q498.94
1995-Q398.68
1995-Q297.56
1995-Q196.94
1994-Q496.97
1994-Q396.02
1994-Q294.88
1994-Q193.81
1993-Q493.62
1993-Q392.87
1993-Q291.93
1993-Q191.45
1992-Q492
1992-Q391.11
1992-Q290.74
1992-Q190.07
1991-Q490.27
1991-Q389.73
1991-Q288.75
1991-Q188
1990-Q488.29
1990-Q388.01
1990-Q287.86
1990-Q186.11

Definition

Statistics Canada's published ratio of the Household sector's credit market debt to a four-quarter moving sum of disposable income and the change in pension entitlements. It is expressed as a percentage and uses market-value debt without seasonal adjustment.

The Household sector includes unincorporated enterprises operated by households and excludes non-profit institutions serving households (NPISH). This is an aggregate sector ratio, not an average for individual households.

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How to cite

Source: Statistics Canada, Table 38-10-0235-01, Financial indicators of households and non-profit institutions serving households, national balance sheet accounts: Canada, Households, Credit market debt to disposable income, reference period 2026-Q2. Reproduced and distributed on an "as is" basis with the permission of Statistics Canada. Adapted from Statistics Canada, Table 38-10-0235-01, Financial indicators of households and non-profit institutions serving households, national balance sheet accounts: Canada, Households, Credit market debt to disposable income, reference period 2026-Q2. This does not constitute an endorsement by Statistics Canada of this product. https://www150.statcan.gc.ca/t1/wds/rest/getDataFromVectorByReferencePeriodRange?vectorIds=62698064&startRefPeriod=1990-01-01&endReferencePeriod=2026-10-12. Retrieved 2026-10-12.

Citation styles

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APA 7

Statistics Canada. (n.d.). Table 38-10-0235-01, Financial indicators of households and non-profit institutions serving households, national balance sheet accounts: Canada, Households, Credit market debt to disposable income (Household credit market debt to income, Canada, 1990-Q1 to 2026-Q2) [Data set]. Retrieved October 12, 2026, from https://www150.statcan.gc.ca/t1/wds/rest/getDataFromVectorByReferencePeriodRange?vectorIds=62698064&startRefPeriod=1990-01-01&endReferencePeriod=2026-10-12

MLA 9

Table 38-10-0235-01, Financial indicators of households and non-profit institutions serving households, national balance sheet accounts: Canada, Households, Credit market debt to disposable income, Household credit market debt to income, Canada, 1990-Q1 to 2026-Q2. Statistics Canada, https://www150.statcan.gc.ca/t1/wds/rest/getDataFromVectorByReferencePeriodRange?vectorIds=62698064&startRefPeriod=1990-01-01&endReferencePeriod=2026-10-12. Invokely, https://invokely.ai/en/household-credit-market-debt-to-income/canada. Accessed 12 Oct. 2026.

Chicago (author-date)

Statistics Canada. n.d. Table 38-10-0235-01, Financial indicators of households and non-profit institutions serving households, national balance sheet accounts: Canada, Households, Credit market debt to disposable income. Household credit market debt to income, Canada, 1990-Q1 to 2026-Q2. Dataset. Accessed October 12, 2026. https://www150.statcan.gc.ca/t1/wds/rest/getDataFromVectorByReferencePeriodRange?vectorIds=62698064&startRefPeriod=1990-01-01&endReferencePeriod=2026-10-12. Also distributed by Invokely, https://invokely.ai/en/household-credit-market-debt-to-income/canada.

Harvard

Statistics Canada (no date) Table 38-10-0235-01, Financial indicators of households and non-profit institutions serving households, national balance sheet accounts: Canada, Households, Credit market debt to disposable income, Household credit market debt to income, Canada, 1990-Q1 to 2026-Q2 [Dataset]. Available at: https://www150.statcan.gc.ca/t1/wds/rest/getDataFromVectorByReferencePeriodRange?vectorIds=62698064&startRefPeriod=1990-01-01&endReferencePeriod=2026-10-12, via Invokely: https://invokely.ai/en/household-credit-market-debt-to-income/canada (Accessed: 12 October 2026).

BibTeX
@misc{statistics_household_credit_market_debt_2026,
  author = {{Statistics Canada}},
  title = {{Table 38-10-0235-01, Financial indicators of households and non-profit institutions serving households, national balance sheet accounts: Canada, Households, Credit market debt to disposable income: Household credit market debt to income, Canada, 1990-Q1 to 2026-Q2}},
  howpublished = {Data set},
  url = {https://www150.statcan.gc.ca/t1/wds/rest/getDataFromVectorByReferencePeriodRange?vectorIds=62698064&startRefPeriod=1990-01-01&endReferencePeriod=2026-10-12},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/en/household-credit-market-debt-to-income/canada. Publisher attribution: Source: Statistics Canada, Table 38-10-0235-01, Financial indicators of households and non-profit institutions serving households, national balance sheet accounts: Canada, Households, Credit market debt to disposable income, reference period 2026-Q2. Reproduced and distributed on an "as is" basis with the permission of Statistics Canada. Adapted from Statistics Canada, Table 38-10-0235-01, Financial indicators of households and non-profit institutions serving households, national balance sheet accounts: Canada, Households, Credit market debt to disposable income, reference period 2026-Q2. This does not constitute an endorsement by Statistics Canada of this product. https://www150.statcan.gc.ca/t1/wds/rest/getDataFromVectorByReferencePeriodRange?vectorIds=62698064\&startRefPeriod=1990-01-01\&endReferencePeriod=2026-10-12. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - Statistics Canada
TI  - Table 38-10-0235-01, Financial indicators of households and non-profit institutions serving households, national balance sheet accounts: Canada, Households, Credit market debt to disposable income: Household credit market debt to income, Canada, 1990-Q1 to 2026-Q2
PB  - Statistics Canada
DB  - Invokely
UR  - https://www150.statcan.gc.ca/t1/wds/rest/getDataFromVectorByReferencePeriodRange?vectorIds=62698064&startRefPeriod=1990-01-01&endReferencePeriod=2026-10-12
L2  - https://invokely.ai/en/household-credit-market-debt-to-income/canada
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/household-credit-market-debt-to-income/canada.
N1  - Publisher attribution: Source: Statistics Canada, Table 38-10-0235-01, Financial indicators of households and non-profit institutions serving households, national balance sheet accounts: Canada, Households, Credit market debt to disposable income, reference period 2026-Q2. Reproduced and distributed on an "as is" basis with the permission of Statistics Canada. Adapted from Statistics Canada, Table 38-10-0235-01, Financial indicators of households and non-profit institutions serving households, national balance sheet accounts: Canada, Households, Credit market debt to disposable income, reference period 2026-Q2. This does not constitute an endorsement by Statistics Canada of this product. https://www150.statcan.gc.ca/t1/wds/rest/getDataFromVectorByReferencePeriodRange?vectorIds=62698064&startRefPeriod=1990-01-01&endReferencePeriod=2026-10-12. Retrieved 2026-10-12.
ER  -
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Questions

What is the household credit market debt to income in Canada?

Household credit market debt to income in Canada was 175.06% in Q2 2026, according to Statistics Canada. That is up 1.36 pts from Q2 2025.

Where does this figure come from?

Statistics Canada. Table 38-10-0235-01, Financial indicators of households and non-profit institutions serving households, national balance sheet accounts: Canada, Households, Credit market debt to disposable income. Retrieved by Invokely on 2026-10-12.

What was the highest household credit market debt to income in Canada?

187.67% in Q3 2022, the highest value since Q1 1990 in this series.

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