# Household debt to income ratio

Outstanding loans of households at the end of the year as a percentage of their gross disposable income adjusted for the change in pension entitlements.

## Key facts

- The Netherlands had the highest household debt to income ratio of 26 EU countries in 2024, at 180.5%, and Romania the lowest, at 20.2%. Source: Eurostat, European Commission.
- Published for 27 places, with figures from 1995 to 2025.
- Figures last updated on 2026-10-18.

- Indicator id: `household_debt_to_income_ratio`
- Unit: %
- Note: Counts loans only (mortgages and consumer and other loans), not other liabilities. Not comparable with national credit market debt ratios such as Canada's, which use other definitions. From the annual sector accounts (ESA 2010). Households include non-profit institutions serving households. The latest years are often provisional and are revised with later transmissions.
- Web page: https://invokely.ai/en/household-debt-to-income-ratio
- API: https://invokely.ai/api/v1/indicators/household_debt_to_income_ratio

## Rankings

- [EU countries](https://invokely.ai/rankings/household-debt-to-income-ratio/eu-countries.md) (27 places)