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

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

Greece had the highest people in arrears on rent, mortgage or bills of 27 EU countries in 2023, at 47.3%. The Netherlands had the lowest, at 2.6%. The median was 7.9% and the figure for the European Union (27) was 9.3%. Source: Eurostat, European Commission.

Highest47.3Greece
Lowest2.6Netherlands
Median7.927 EU countries
European Union (27)9.3History

All EU countries, 2023

Greece: 47.3 %Greece47.3Bulgaria: 18.8 %Bulgaria18.8Romania: 14.4 %Romania14.4Cyprus: 13.9 %Cyprus13.9Spain: 13.6 %Spain13.6Croatia: 12.7 %Croatia12.7Hungary: 10.8 %Hungary10.8Ireland: 10.6 %Ireland10.6France: 10 %France10Finland: 9.5 %Finland9.5Slovakia: 8.8 %Slovakia8.8Luxembourg: 8.7 %Luxembourg8.7Germany: 8.3 %Germany8.3Latvia: 7.9 %Latvia7.9Denmark: 7.8 %Denmark7.8Slovenia: 7.3 %Slovenia7.3Lithuania: 7.1 %Lithuania7.1Austria: 6.9 %Austria6.9Sweden: 6.7 %Sweden6.7Estonia: 5.8 %Estonia5.8Malta: 5.7 %Malta5.7Portugal: 5.2 %Portugal5.2Poland: 5.1 %Poland5.1Italy: 5 %Italy5Belgium: 4.7 %Belgium4.7Czechia: 2.9 %Czechia2.9Netherlands: 2.6 %Netherlands2.6
%. 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 countries2023 (%)Change on 2022
1Greece47.3+1.8 pts
2Bulgaria18.8-1.1 pts
3Romania14.4-4 pts
4Cyprus13.90 pts
5Spain13.6+0.4 pts
6Croatia12.7-3 pts
7Hungary10.8+0.5 pts
8Ireland10.6-2.3 pts
9France10-0.2 pts
10Finland9.5+1.8 pts
11Slovakia8.8+0.5 pts
12Luxembourg8.7+1.5 pts
13Germany8.3+2.4 pts
14Latvia7.9+1 pts
15Denmark7.8+1.1 pts
16Slovenia7.3-0.1 pts
17Lithuania7.1+1.1 pts
18Austria6.9+2.2 pts
19Sweden6.7+0.5 pts
20Estonia5.80 pts
21Malta5.7-0.4 pts
22Portugal5.2-0.9 pts
23Poland5.1-0.9 pts
24Italy5-1.2 pts
25Belgium4.7+0.5 pts
26Czechia2.9+0.2 pts
27Netherlands2.6-0.3 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, 2023) [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, 2023. 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?period=2023. 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, 2023. 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?period=2023.

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, 2023 [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?period=2023 (Accessed: 12 October 2026).

BibTeX
@misc{eurostat_eu_countries_by_people_2023,
  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, 2023}},
  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?period=2023. 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, 2023
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?period=2023
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/arrears-on-bills/eu-countries?period=2023.
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 47.3% in 2023, according to Eurostat, European Commission.

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

The Netherlands, with 2.6% in 2023.

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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