Data / Rankings / People in arrears on rent, mortgage or bills / EU countries

EU countries by people in arrears on rent, mortgage or bills, 2025

Greece had the highest people in arrears on rent, mortgage or bills of 27 EU countries in 2025, at 41.8%. Czechia had the lowest, at 3.3%. The median was 7.3% and the figure for the European Union (27) was 9.2%. Source: Eurostat, European Commission.

Highest41.8Greece
Lowest3.3Czechia
Median7.327 EU countries
European Union (27)9.2History

All EU countries, 2025

Greece: 41.8 %Greece41.8Romania: 18.5 %Romania18.5Bulgaria: 18.2 %Bulgaria18.2Spain: 13.2 %Spain13.2Cyprus: 12 %Cyprus12Ireland: 11.6 %Ireland11.6Finland: 10.7 %Finland10.7France: 10.4 %France10.4Hungary: 8.6 %Hungary8.6Sweden: 8.5 %Sweden8.5Croatia: 8 %Croatia8Luxembourg: 7.8 %Luxembourg7.8Estonia: 7.6 %Estonia7.6Slovakia: 7.3 %Slovakia7.3Austria: 7.2 %Austria7.2Germany: 6.9 %Germany6.9Italy: 6.8 %Italy6.8Latvia: 6.6 %Latvia6.6Slovenia: 6.3 %Slovenia6.3Denmark: 6.2 %Denmark6.2Malta: 5.6 %Malta5.6Portugal: 5.2 %Portugal5.2Belgium: 5.1 %Belgium5.1Lithuania: 4.5 %Lithuania4.5Poland: 3.8 %Poland3.8Netherlands: 3.5 %Netherlands3.5Czechia: 3.3 %Czechia3.3
%. Source: Eurostat, Arrears on mortgage or rent, utility bills or hire purchase, total population, all household types and incomes (ilc_mdes05). Retrieved 2026-10-12.

Full ranking

RankEU countries2025 (%)Change on 2024
1Greece41.8-1 pts
2Romania18.5+3.2 pts
3Bulgaria18.2-0.5 pts
4Spain13.2-1 pts
5Cyprus12-0.5 pts
6Ireland11.6-0.6 pts
7Finland10.7-0.5 pts
8France10.4-0.2 pts
9Hungary8.6-0.7 pts
10Sweden8.5+1.2 pts
11Croatia8-1.4 pts
12Luxembourg Series break7.8-0.7 pts
13Estonia7.6+0.5 pts
14Slovakia7.3-1.1 pts
15Austria7.2-0.3 pts
16Germany6.9-0.3 pts
17Italy6.8+1.5 pts
18Latvia6.6-0.9 pts
19Slovenia6.3-1.2 pts
20Denmark6.2-0.7 pts
21Malta5.6-0.3 pts
22Portugal5.2-0.5 pts
23Belgium5.1+0.1 pts
24Lithuania Provisional4.5-0.5 pts
25Poland3.8-0.4 pts
26Netherlands3.5-0.4 pts
27Czechia3.3-0.1 pts

Other periods

About this ranking

Share of the population living in households that were behind on paying a mortgage or rent, utility bills or hire purchase instalments in the last 12 months because of financial difficulties (EU-SILC, all household types and incomes).

EU statistics on income and living conditions (EU-SILC). The reference year is the survey year. Self-reported by households; a share of people, not of households.

Every value in the ranking comes from the same publisher and the same period, so the EU countries are compared on one definition. Equal values share a rank.

How to cite

Eurostat. Arrears on mortgage or rent, utility bills or hire purchase, total population, all household types and incomes (ilc_mdes05). https://ec.europa.eu/eurostat/databrowser/view/ilc_mdes05/default/table. 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

Eurostat, European Commission. (2026). Arrears on mortgage or rent, utility bills or hire purchase, total population, all household types and incomes (ilc_mdes05) (EU countries by people in arrears on rent, mortgage or bills, 2025) [Data set]. Retrieved October 12, 2026, from https://ec.europa.eu/eurostat/databrowser/view/ilc_mdes05/default/table

MLA 9

Arrears on mortgage or rent, utility bills or hire purchase, total population, all household types and incomes (ilc_mdes05), EU countries by people in arrears on rent, mortgage or bills, 2025. Eurostat, European Commission, 17 Sept. 2026, https://ec.europa.eu/eurostat/databrowser/view/ilc_mdes05/default/table. Invokely, https://invokely.ai/rankings/arrears-on-bills/eu-countries. Accessed 12 Oct. 2026.

Chicago (author-date)

Eurostat, European Commission. 2026. Arrears on mortgage or rent, utility bills or hire purchase, total population, all household types and incomes (ilc_mdes05). EU countries by people in arrears on rent, mortgage or bills, 2025. Dataset. Accessed October 12, 2026. https://ec.europa.eu/eurostat/databrowser/view/ilc_mdes05/default/table. Also distributed by Invokely, https://invokely.ai/rankings/arrears-on-bills/eu-countries.

Harvard

Eurostat, European Commission (2026) Arrears on mortgage or rent, utility bills or hire purchase, total population, all household types and incomes (ilc_mdes05), EU countries by people in arrears on rent, mortgage or bills, 2025 [Dataset]. Available at: https://ec.europa.eu/eurostat/databrowser/view/ilc_mdes05/default/table, via Invokely: https://invokely.ai/rankings/arrears-on-bills/eu-countries (Accessed: 12 October 2026).

BibTeX
@misc{eurostat_eu_countries_by_people_2025,
  author = {{Eurostat, European Commission}},
  title = {{Arrears on mortgage or rent, utility bills or hire purchase, total population, all household types and incomes (ilc\_mdes05): EU countries by people in arrears on rent, mortgage or bills, 2025}},
  year = {2026},
  howpublished = {Data set},
  url = {https://ec.europa.eu/eurostat/databrowser/view/ilc_mdes05/default/table},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/arrears-on-bills/eu-countries. Publisher attribution: Eurostat. Arrears on mortgage or rent, utility bills or hire purchase, total population, all household types and incomes (ilc\_mdes05). https://ec.europa.eu/eurostat/databrowser/view/ilc\_mdes05/default/table. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - Eurostat, European Commission
TI  - Arrears on mortgage or rent, utility bills or hire purchase, total population, all household types and incomes (ilc_mdes05): EU countries by people in arrears on rent, mortgage or bills, 2025
PY  - 2026
DA  - 2026/09/17
PB  - Eurostat, European Commission
DB  - Invokely
UR  - https://ec.europa.eu/eurostat/databrowser/view/ilc_mdes05/default/table
L2  - https://invokely.ai/rankings/arrears-on-bills/eu-countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/arrears-on-bills/eu-countries.
N1  - Publisher attribution: Eurostat. Arrears on mortgage or rent, utility bills or hire purchase, total population, all household types and incomes (ilc_mdes05). https://ec.europa.eu/eurostat/databrowser/view/ilc_mdes05/default/table. Retrieved 2026-10-12.
ER  -
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Questions

Which EU country has the highest people in arrears on rent, mortgage or bills?

Greece, with 41.8% in 2025, according to Eurostat, European Commission.

Which EU country has the lowest people in arrears on rent, mortgage or bills?

Czechia, with 3.3% in 2025.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: Eurostat, European Commission, Arrears on mortgage or rent, utility bills or hire purchase, total population, all household types and incomes (ilc_mdes05). Retrieved 2026-10-12.

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