Data / Household debt to income ratio / Germany

Household debt to income ratio in Germany

Household debt to income ratio in Germany was 74.5% in 2025, according to Eurostat, European Commission. That is down 0.8 pts from 2024.

202574.5% Provisional
Change on 2024-0.8 pts
Series high105.62000
Series low74.52025

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Household debt to income ratio in Germany, 1995 to 2025

70809010011019952000200520102015202020251995: 89.2 %1996: 93.5 %1997: 96.7 %1998: 100.6 %1999: 104.9 %2000: 105.6 %2001: 103.1 %2002: 103.2 %2003: 101.5 %2004: 99.8 %2005: 97.5 %2006: 94.9 %2007: 91.6 %2008: 88.5 %2009: 88.4 %2010: 86.8 %2011: 85 %2012: 83.8 %2013: 83.2 %2014: 82 %2015: 81.4 %2016: 81.5 %2017: 81.3 %2018: 80.1 %2019: 81.7 %2020: 84.8 %2021: 86.1 %2022: 82.1 %2023: 77.8 %2024: 75.3 %2025: 74.5 %7080901001101995200620251995: 89.2 %1996: 93.5 %1997: 96.7 %1998: 100.6 %1999: 104.9 %2000: 105.6 %2001: 103.1 %2002: 103.2 %2003: 101.5 %2004: 99.8 %2005: 97.5 %2006: 94.9 %2007: 91.6 %2008: 88.5 %2009: 88.4 %2010: 86.8 %2011: 85 %2012: 83.8 %2013: 83.2 %2014: 82 %2015: 81.4 %2016: 81.5 %2017: 81.3 %2018: 80.1 %2019: 81.7 %2020: 84.8 %2021: 86.1 %2022: 82.1 %2023: 77.8 %2024: 75.3 %2025: 74.5 %
%. Source: Eurostat, Key indicators for sector accounts, gross debt-to-income ratio of households and NPISH (nasa_10_ki). Retrieved 2026-10-18, published 2026-10-14.
All 31 values
Period%
202574.5 Provisional
202475.3 Provisional
202377.8 Provisional
202282.1 Provisional
202186.1 Provisional
202084.8
201981.7
201880.1
201781.3
201681.5
201581.4
201482
201383.2
201283.8
201185
201086.8
200988.4
200888.5
200791.6
200694.9
200597.5
200499.8
2003101.5
2002103.2
2001103.1
2000105.6
1999104.9
1998100.6
199796.7
199693.5
199589.2

Germany compared with nearby places

Czechia: 53.8 %Germany: 74.5 %Denmark: 163.1 %Finland: 106.9 %Netherlands: 180.1 %Portugal: 77.5 %Romania: 19.5 %Sweden: 150.4 %
  • Under 62
  • 62 to 77
  • 77 to 120
  • 120 to 160
  • 160 and over
  • No data
Household debt to income ratio, 2025, %. Germany is outlined. Same source and period for every area shown. Source: Eurostat, European Commission. Boundaries: Natural Earth (public domain).

Rankings

Definition

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.

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.

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How to cite

Eurostat. Key indicators for sector accounts, gross debt-to-income ratio of households and NPISH (nasa_10_ki). https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table. Retrieved 2026-10-18.

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

Eurostat, European Commission. (2026). Key indicators for sector accounts, gross debt-to-income ratio of households and NPISH (nasa_10_ki) (Household debt to income ratio, Germany, 1995 to 2025) [Data set]. Retrieved October 18, 2026, from https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table

MLA 9

Key indicators for sector accounts, gross debt-to-income ratio of households and NPISH (nasa_10_ki), Household debt to income ratio, Germany, 1995 to 2025. Eurostat, European Commission, 14 Oct. 2026, https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table. Invokely, https://invokely.ai/en/household-debt-to-income-ratio/germany. Accessed 18 Oct. 2026.

Chicago (author-date)

Eurostat, European Commission. 2026. Key indicators for sector accounts, gross debt-to-income ratio of households and NPISH (nasa_10_ki). Household debt to income ratio, Germany, 1995 to 2025. Dataset. Accessed October 18, 2026. https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table. Also distributed by Invokely, https://invokely.ai/en/household-debt-to-income-ratio/germany.

Harvard

Eurostat, European Commission (2026) Key indicators for sector accounts, gross debt-to-income ratio of households and NPISH (nasa_10_ki), Household debt to income ratio, Germany, 1995 to 2025 [Dataset]. Available at: https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table, via Invokely: https://invokely.ai/en/household-debt-to-income-ratio/germany (Accessed: 18 October 2026).

BibTeX
@misc{eurostat_household_debt_to_income_2025,
  author = {{Eurostat, European Commission}},
  title = {{Key indicators for sector accounts, gross debt-to-income ratio of households and NPISH (nasa\_10\_ki): Household debt to income ratio, Germany, 1995 to 2025}},
  year = {2026},
  howpublished = {Data set},
  url = {https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table},
  urldate = {2026-10-18},
  note = {Accessed via Invokely, https://invokely.ai/en/household-debt-to-income-ratio/germany. Publisher attribution: Eurostat. Key indicators for sector accounts, gross debt-to-income ratio of households and NPISH (nasa\_10\_ki). https://ec.europa.eu/eurostat/databrowser/view/nasa\_10\_ki/default/table. Retrieved 2026-10-18.},
}
RIS
TY  - DATA
AU  - Eurostat, European Commission
TI  - Key indicators for sector accounts, gross debt-to-income ratio of households and NPISH (nasa_10_ki): Household debt to income ratio, Germany, 1995 to 2025
PY  - 2026
DA  - 2026/10/14
PB  - Eurostat, European Commission
DB  - Invokely
UR  - https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table
L2  - https://invokely.ai/en/household-debt-to-income-ratio/germany
Y2  - 2026/10/18
N1  - Accessed via Invokely, https://invokely.ai/en/household-debt-to-income-ratio/germany.
N1  - Publisher attribution: Eurostat. Key indicators for sector accounts, gross debt-to-income ratio of households and NPISH (nasa_10_ki). https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table. Retrieved 2026-10-18.
ER  -
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Questions

What is the household debt to income ratio in Germany?

Household debt to income ratio in Germany was 74.5% in 2025, according to Eurostat, European Commission. That is down 0.8 pts from 2024.

Where does this figure come from?

Eurostat, European Commission. Key indicators for sector accounts, gross debt-to-income ratio of households and NPISH (nasa_10_ki). Retrieved by Invokely on 2026-10-18.

What was the highest household debt to income ratio in Germany?

105.6% in 2000, the highest value since 1995 in this series.

Household debt to income ratio elsewhere in European Union (27)

Related statistics for Germany

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