Data / Household debt to income ratio / Poland

Household debt to income ratio in Poland

Household debt to income ratio in Poland was 36.4% in 2024, according to Eurostat, European Commission. That is down 2.6 pts from 2023. That is the 23rd highest of 26 EU countries in 2024.

202436.4%
Change on 2023-2.6 pts
Rank23rd of 26EU countries ranked
Series high56.82016
Series low3.11995

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Household debt to income ratio in Poland, 1995 to 2024

020406019952000200520102015202020241995: 3.1 %1996: 5 %1997: 6.1 %1998: 8.5 %1999: 8.6 %2000: 9.6 %2001: 11.7 %2002: 17.1 %2003: 17.8 %2004: 18.6 %2005: 21.6 %2006: 27 %2007: 34.5 %2008: 45.6 %2009: 47.4 %2010: 50.8 %2011: 54.3 %2012: 52.7 %2013: 54.4 %2014: 54.6 %2015: 56.6 %2016: 56.8 %2017: 55.1 %2018: 55.7 %2019: 55.2 %2020: 52.7 %2021: 53.6 %2022: 44.6 %2023: 39 %2024: 36.4 %020406019952005201520241995: 3.1 %1996: 5 %1997: 6.1 %1998: 8.5 %1999: 8.6 %2000: 9.6 %2001: 11.7 %2002: 17.1 %2003: 17.8 %2004: 18.6 %2005: 21.6 %2006: 27 %2007: 34.5 %2008: 45.6 %2009: 47.4 %2010: 50.8 %2011: 54.3 %2012: 52.7 %2013: 54.4 %2014: 54.6 %2015: 56.6 %2016: 56.8 %2017: 55.1 %2018: 55.7 %2019: 55.2 %2020: 52.7 %2021: 53.6 %2022: 44.6 %2023: 39 %2024: 36.4 %
%. 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 30 values
Period%
202436.4
202339
202244.6
202153.6
202052.7
201955.2
201855.7
201755.1
201656.8
201556.6
201454.6
201354.4
201252.7
201154.3
201050.8
200947.4
200845.6
200734.5
200627
200521.6
200418.6
200317.8
200217.1
200111.7
20009.6
19998.6
19988.5
19976.1
19965
19953.1

Poland compared with nearby places

Austria: 67.9 %Belgium: 94.8 %Cyprus: 94.7 %Czechia: 52.4 %Germany: 75.3 %Denmark: 167.6 %Estonia: 66.1 %Spain: 68.8 %Finland: 109 %France: 90.9 %Greece: 58.2 %Croatia: 48 %Hungary: 26.8 %Ireland: 75.1 %Italy: 55.4 %Lithuania: 36.7 %Luxembourg: 164.6 %Latvia: 31.3 %Malta: 83.9 %Netherlands: 180.5 %Poland: 36.4 %Portugal: 75.6 %Romania: 20.2 %Sweden: 148.3 %Slovenia: 40.4 %Slovakia: 67.5 %
  • Under 40
  • 40 to 66
  • 66 to 75
  • 75 to 95
  • 95 and over
  • No data
Household debt to income ratio, 2024, %. Poland 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, Poland, 1995 to 2024) [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, Poland, 1995 to 2024. 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/poland. 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, Poland, 1995 to 2024. 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/poland.

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, Poland, 1995 to 2024 [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/poland (Accessed: 18 October 2026).

BibTeX
@misc{eurostat_household_debt_to_income_2024,
  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, Poland, 1995 to 2024}},
  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/poland. 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, Poland, 1995 to 2024
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/poland
Y2  - 2026/10/18
N1  - Accessed via Invokely, https://invokely.ai/en/household-debt-to-income-ratio/poland.
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 Poland?

Household debt to income ratio in Poland was 36.4% in 2024, according to Eurostat, European Commission. That is down 2.6 pts from 2023. That is the 23rd highest of 26 EU countries in 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 Poland?

56.8% in 2016, the highest value since 1995 in this series.

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

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