Data / One-to-four-family mortgage liabilities of U.S. households and nonprofits / United States

One-to-four-family mortgage liabilities of U.S. households and nonprofits in United States

One-to-four-family mortgage liabilities of U.S. households and nonprofits in the United States was $13.98 trillion in Q2 2026, according to the Board of Governors of the Federal Reserve System. That is up 3% from Q2 2025.

Q2 2026, USD million13,976,938
Change on Q2 2025+3%
Series high13,976,938Q2 2026
Series low18,706Q4 1945

Next release: Friday, 11 December 2026, estimated by Invokely from past publication dates (low confidence), not announced by the publisher. Release calendar

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One-to-four-family mortgage liabilities of U.S. households and nonprofits in United States, Q4 1945 to Q2 2026

05M10M15M1945-Q41961-Q21972-Q21983-Q21994-Q22005-Q22016-Q22026-Q22026-Q2: 13,976,938 USD million05M10M15M1945-Q41975-Q42001-Q22026-Q22026-Q2: 13,976,938 USD million
USD million. Source: Federal Reserve Board, Z.1 Financial Accounts, S1M.b: Households and nonprofit organizations; one-to-four-family residential mortgages; liability (FL153165105.Q). Retrieved 2026-10-12, published 2026-09-11.
All 305 values
PeriodUSD million
2026-Q213,976,938
2026-Q113,826,564
2025-Q413,788,341
2025-Q313,687,791
2025-Q213,568,853
2025-Q113,448,684
2024-Q413,394,548
2024-Q313,284,330
2024-Q213,176,043
2024-Q113,070,707
2023-Q413,029,438
2023-Q312,935,729
2023-Q212,811,796
2023-Q112,712,090
2022-Q412,654,112
2022-Q312,510,192
2022-Q212,305,699
2022-Q112,043,977
2021-Q411,814,482
2021-Q311,575,731
2021-Q211,352,693
2021-Q110,892,406
2020-Q410,783,195
2020-Q310,651,618
2020-Q210,500,568
2020-Q110,433,093
2019-Q410,391,320
2019-Q310,321,977
2019-Q210,230,964
2019-Q110,146,937
2018-Q410,121,618
2018-Q310,059,020
2018-Q29,966,851
2018-Q19,888,689
2017-Q49,852,345
2017-Q39,782,801
2017-Q29,702,560
2017-Q19,636,529
2016-Q49,591,930
2016-Q39,543,348
2016-Q29,477,858
2016-Q19,432,082
2015-Q49,435,806
2015-Q39,378,337
2015-Q29,336,611
2015-Q19,300,937
2014-Q49,341,508
2014-Q39,339,354
2014-Q29,333,885
2014-Q19,349,466
2013-Q49,395,044
2013-Q39,419,206
2013-Q29,414,598
2013-Q19,452,898
2012-Q49,506,994
2012-Q39,565,631
2012-Q29,621,830
2012-Q19,687,961
2011-Q49,754,939
2011-Q39,808,393
2011-Q29,860,668
2011-Q19,920,126
2010-Q49,957,898
2010-Q310,131,755
2010-Q210,212,856
2010-Q110,275,461
2009-Q410,406,753
2009-Q310,453,428
2009-Q210,511,574
2009-Q110,546,587
2008-Q410,540,066
2008-Q310,611,842
2008-Q210,639,283
2008-Q110,650,123
2007-Q410,577,134
2007-Q310,472,672
2007-Q210,295,194
2007-Q110,097,254
2006-Q49,899,344
2006-Q39,748,424
2006-Q29,512,090
2006-Q19,206,938
2005-Q48,902,867
2005-Q38,641,881
2005-Q28,352,759
2005-Q18,068,560
2004-Q47,840,578
2004-Q37,579,492
2004-Q27,341,273
2004-Q17,068,688
2003-Q46,895,613
2003-Q36,690,933
2003-Q26,448,380
2003-Q16,187,241
2002-Q46,016,313
2002-Q35,819,160
2002-Q25,625,040
2002-Q15,448,810
2001-Q45,311,785
2001-Q35,197,552
2001-Q25,050,018
2001-Q14,889,625
2000-Q44,805,227
2000-Q34,710,446
2000-Q24,598,096
2000-Q14,486,213
1999-Q44,424,263
1999-Q34,341,259
1999-Q24,223,691
1999-Q14,127,637
1998-Q44,048,590
1998-Q33,956,156
1998-Q23,879,702
1998-Q13,801,444
1997-Q43,746,359
1997-Q33,709,280
1997-Q23,624,587
1997-Q13,573,449
1996-Q43,538,631
1996-Q33,489,362
1996-Q23,432,208
1996-Q13,378,859
1995-Q43,320,508
1995-Q33,290,337
1995-Q23,238,836
1995-Q13,192,435
1994-Q43,166,443
1994-Q33,121,545
1994-Q23,075,116
1994-Q13,029,954
1993-Q42,999,676
1993-Q32,958,532
1993-Q22,908,346
1993-Q12,854,704
1992-Q42,840,903
1992-Q32,795,879
1992-Q22,741,243
1992-Q12,708,276
1991-Q42,667,880
1991-Q32,614,503
1991-Q22,590,651
1991-Q12,529,691
1990-Q42,489,811
1990-Q32,447,266
1990-Q22,395,917
1990-Q12,335,399
1989-Q42,260,582
1989-Q32,211,155
1989-Q22,146,955
1989-Q12,089,337
1988-Q42,055,294
1988-Q32,000,012
1988-Q21,942,504
1988-Q11,875,971
1987-Q41,829,012
1987-Q31,802,929
1987-Q21,752,706
1987-Q11,681,564
1986-Q41,649,024
1986-Q31,587,994
1986-Q21,525,857
1986-Q11,476,952
1985-Q41,450,249
1985-Q31,402,164
1985-Q21,343,287
1985-Q11,304,981
1984-Q41,243,294
1984-Q31,211,497
1984-Q21,177,677
1984-Q11,144,101
1983-Q41,116,384
1983-Q31,087,568
1983-Q21,053,751
1983-Q11,026,258
1982-Q41,031,175
1982-Q31,017,736
1982-Q21,019,260
1982-Q11,007,909
1981-Q4998,261
1981-Q3981,849
1981-Q2964,154
1981-Q1940,590
1980-Q4926,526
1980-Q3901,374
1980-Q2873,960
1980-Q1856,228
1979-Q4826,724
1979-Q3795,927
1979-Q2763,421
1979-Q1733,605
1978-Q4708,641
1978-Q3678,951
1978-Q2648,036
1978-Q1621,021
1977-Q4602,997
1977-Q3579,911
1977-Q2554,091
1977-Q1531,310
1976-Q4517,073
1976-Q3501,121
1976-Q2483,990
1976-Q1469,994
1975-Q4459,087
1975-Q3446,324
1975-Q2434,575
1975-Q1424,313
1974-Q4419,339
1974-Q3411,381
1974-Q2400,439
1974-Q1389,858
1973-Q4382,218
1973-Q3372,134
1973-Q2361,814
1973-Q1351,550
1972-Q4343,552
1972-Q3334,408
1972-Q2324,462
1972-Q1316,038
1971-Q4309,454
1971-Q3302,822
1971-Q2295,363
1971-Q1289,592
1970-Q4286,015
1970-Q3282,347
1970-Q2278,674
1970-Q1275,814
1969-Q4278,689
1969-Q3274,512
1969-Q2269,738
1969-Q1264,857
1968-Q4262,934
1968-Q3258,183
1968-Q2253,675
1968-Q1249,378
1967-Q4245,974
1967-Q3241,547
1967-Q2237,076
1967-Q1234,221
1966-Q4232,742
1966-Q3230,272
1966-Q2227,232
1966-Q1223,358
1965-Q4219,449
1965-Q3215,042
1965-Q2210,329
1965-Q1205,891
1964-Q4202,335
1964-Q3198,076
1964-Q2193,368
1964-Q1188,776
1963-Q4185,106
1963-Q3180,662
1963-Q2175,801
1963-Q1171,352
1962-Q4168,307
1962-Q3164,345
1962-Q2160,237
1962-Q1156,488
1961-Q4154,027
1961-Q3150,179
1961-Q2146,603
1961-Q1143,645
1960-Q4141,378
1960-Q3138,582
1960-Q2135,366
1960-Q1132,580
1959-Q4130,099
1959-Q3127,007
1959-Q2123,346
1959-Q1119,935
1958-Q4117,177
1958-Q3114,035
1958-Q2111,142
1958-Q1108,975
1957-Q4107,374
1957-Q3105,397
1957-Q2103,039
1957-Q1100,851
1956-Q498,745
1956-Q396,174
1956-Q293,327
1956-Q190,356
1955-Q487,936
1955-Q385,032
1955-Q281,697
1955-Q178,237
1954-Q475,356
1954-Q372,336
1954-Q269,614
1954-Q167,351
1953-Q465,938
1953-Q364,205
1953-Q262,225
1953-Q160,006
1952-Q458,416
1952-Q356,640
1952-Q254,798
1952-Q153,066
1951-Q451,792
1950-Q445,250
1949-Q437,406
1948-Q433,422
1947-Q428,267
1946-Q423,100
1945-Q418,706

Definition

Outstanding one-to-four-family residential mortgage liabilities of the combined U.S. households and nonprofit organizations sector, in millions of dollars at quarter end. The series includes home equity lines of credit and home equity loans secured by junior liens.

These are end-of-period balances in millions of current U.S. dollars and are not seasonally adjusted. S1M.b covers households and nonprofit organizations together, including farm households; its sector note also includes private equity funds, personal trusts, and domestic hedge funds through 2012:Q3. It is not a household-only measure unless the indicator name says so. The first available observation is 1945:Q4; observations are annual at year end through 1951 and quarterly from 1952:Q1. Missing quarters remain missing and are not interpolated by this dataset. Valuation basis varies by item: real estate and marketable securities are at market value, while consumer durables and other nonfinancial assets use replacement or current cost. Totals and component rows overlap; memo items such as 529 plan assets are already included in total assets. Federal Reserve releases may revise historical values or methods, which can affect comparisons over time.

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How to cite

Board of Governors of the Federal Reserve System. Z.1 Financial Accounts, S1M.b: Households and nonprofit organizations; one-to-four-family residential mortgages; liability (FL153165105.Q). https://www.federalreserve.gov/releases/z1/current/html/S1M_b.htm. Retrieved 2026-10-12.

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

Board of Governors of the Federal Reserve System. (2026). Z.1 Financial Accounts, S1M.b: Households and nonprofit organizations; one-to-four-family residential mortgages; liability (FL153165105.Q) (One-to-four-family mortgage liabilities of U.S. households and nonprofits, United States, 1945-Q4 to 2026-Q2) [Data set]. Retrieved October 12, 2026, from https://www.federalreserve.gov/releases/z1/current/html/S1M_b.htm

MLA 9

Z.1 Financial Accounts, S1M.b: Households and nonprofit organizations; one-to-four-family residential mortgages; liability (FL153165105.Q), One-to-four-family mortgage liabilities of U.S. households and nonprofits, United States, 1945-Q4 to 2026-Q2. Board of Governors of the Federal Reserve System, 11 Sept. 2026, https://www.federalreserve.gov/releases/z1/current/html/S1M_b.htm. Invokely, https://invokely.ai/en/us-household-nonprofit-one-to-four-family-mortgages/united-states. Accessed 12 Oct. 2026.

Chicago (author-date)

Board of Governors of the Federal Reserve System. 2026. Z.1 Financial Accounts, S1M.b: Households and nonprofit organizations; one-to-four-family residential mortgages; liability (FL153165105.Q). One-to-four-family mortgage liabilities of U.S. households and nonprofits, United States, 1945-Q4 to 2026-Q2. Dataset. Accessed October 12, 2026. https://www.federalreserve.gov/releases/z1/current/html/S1M_b.htm. Also distributed by Invokely, https://invokely.ai/en/us-household-nonprofit-one-to-four-family-mortgages/united-states.

Harvard

Board of Governors of the Federal Reserve System (2026) Z.1 Financial Accounts, S1M.b: Households and nonprofit organizations; one-to-four-family residential mortgages; liability (FL153165105.Q), One-to-four-family mortgage liabilities of U.S. households and nonprofits, United States, 1945-Q4 to 2026-Q2 [Dataset]. Available at: https://www.federalreserve.gov/releases/z1/current/html/S1M_b.htm, via Invokely: https://invokely.ai/en/us-household-nonprofit-one-to-four-family-mortgages/united-states (Accessed: 12 October 2026).

BibTeX
@misc{board_one_to_four_family_2026,
  author = {{Board of Governors of the Federal Reserve System}},
  title = {{Z.1 Financial Accounts, S1M.b: Households and nonprofit organizations; one-to-four-family residential mortgages; liability (FL153165105.Q): One-to-four-family mortgage liabilities of U.S. households and nonprofits, United States, 1945-Q4 to 2026-Q2}},
  year = {2026},
  howpublished = {Data set},
  url = {https://www.federalreserve.gov/releases/z1/current/html/S1M_b.htm},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/en/us-household-nonprofit-one-to-four-family-mortgages/united-states. Publisher attribution: Board of Governors of the Federal Reserve System. Z.1 Financial Accounts, S1M.b: Households and nonprofit organizations; one-to-four-family residential mortgages; liability (FL153165105.Q). https://www.federalreserve.gov/releases/z1/current/html/S1M\_b.htm. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - Board of Governors of the Federal Reserve System
TI  - Z.1 Financial Accounts, S1M.b: Households and nonprofit organizations; one-to-four-family residential mortgages; liability (FL153165105.Q): One-to-four-family mortgage liabilities of U.S. households and nonprofits, United States, 1945-Q4 to 2026-Q2
PY  - 2026
DA  - 2026/09/11
PB  - Board of Governors of the Federal Reserve System
DB  - Invokely
UR  - https://www.federalreserve.gov/releases/z1/current/html/S1M_b.htm
L2  - https://invokely.ai/en/us-household-nonprofit-one-to-four-family-mortgages/united-states
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/us-household-nonprofit-one-to-four-family-mortgages/united-states.
N1  - Publisher attribution: Board of Governors of the Federal Reserve System. Z.1 Financial Accounts, S1M.b: Households and nonprofit organizations; one-to-four-family residential mortgages; liability (FL153165105.Q). https://www.federalreserve.gov/releases/z1/current/html/S1M_b.htm. Retrieved 2026-10-12.
ER  -
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Questions

What is the one-to-four-family mortgage liabilities of U.S. households and nonprofits in United States?

One-to-four-family mortgage liabilities of U.S. households and nonprofits in the United States was $13.98 trillion in Q2 2026, according to the Board of Governors of the Federal Reserve System. That is up 3% from Q2 2025.

Where does this figure come from?

Board of Governors of the Federal Reserve System. Z.1 Financial Accounts, S1M.b: Households and nonprofit organizations; one-to-four-family residential mortgages; liability (FL153165105.Q). Retrieved by Invokely on 2026-10-12.

What was the highest one-to-four-family mortgage liabilities of U.S. households and nonprofits in United States?

$13.98 trillion in Q2 2026, the highest value since Q4 1945 in this series.

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