# EU countries by household debt to income ratio, 2024

All 26 values come from Eurostat, European Commission for 2024, so the places are comparable. 1 EU countries have no value for that period and are not ranked.

- Indicator id: `household_debt_to_income_ratio`
- Unit: %
- 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.
- Source: Eurostat, European Commission, 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)
- Publisher page: https://invokely.ai/en/publishers/eurostat
- Retrieved: 2026-10-18
- Citation: 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.
- Web page: https://invokely.ai/rankings/household-debt-to-income-ratio/eu-countries

| Rank | Place | % |
|---:|---|---:|
| 1 | Netherlands | 180.5 |
| 2 | Denmark | 167.6 |
| 3 | Luxembourg | 164.6 |
| 4 | Sweden | 148.3 |
| 5 | Finland | 109 |
| 6 | Belgium | 94.8 |
| 7 | Cyprus | 94.7 |
| 8 | France | 90.9 |
| 9 | Malta | 83.9 |
| 10 | Portugal | 75.6 |
| 11 | Germany | 75.3 |
| 12 | Ireland | 75.1 |
| 13 | Spain | 68.8 |
| 14 | Austria | 67.9 |
| 15 | Slovakia | 67.5 |
| 16 | Estonia | 66.1 |
| 17 | Greece | 58.2 |
| 18 | Italy | 55.4 |
| 19 | Czechia | 52.4 |
| 20 | Croatia | 48 |
| 21 | Slovenia | 40.4 |
| 22 | Lithuania | 36.7 |
| 23 | Poland | 36.4 |
| 24 | Latvia | 31.3 |
| 25 | Hungary | 26.8 |
| 26 | Romania | 20.2 |