EU countries by household debt to income ratio

Denmark had the highest household debt to income ratio of 27 EU countries in 2014, at 254.6%. Romania had the lowest, at 32.2%. The median was 84.8%. Source: Eurostat, European Commission.

Highest254.6Denmark

Lowest32.2Romania

Median84.827 EU countries

Map of EU countries, 2014

Under 48
48 to 65
65 to 96
96 to 140
140 and over

%, 2014. Source: Eurostat, Key indicators for sector accounts, gross debt-to-income ratio of households and NPISH (nasa_10_ki). Boundaries: Natural Earth (public domain).

All EU countries, 2014

%. Source: Eurostat, Key indicators for sector accounts, gross debt-to-income ratio of households and NPISH (nasa_10_ki). Retrieved 2026-10-18.

Full ranking

Rank	EU countries	2014 (%)	Change on 2013
1	Denmark	254.6	+11 pts
2	Netherlands	226.4	-4.7 pts
3	Cyprus	193.1	+3.3 pts
4	Ireland	176.1	-16.8 pts
5	Luxembourg	153.2	+6.6 pts
6	Sweden	145.8	+1.8 pts
7	Spain	114.7	-5.7 pts
8	Portugal	114.3	-4.6 pts
9	Finland	105.8	+1.7 pts
10	Greece	98.3	-3.4 pts
11	Belgium	96.5	+4.2 pts
12	Malta	95.6	+1.5 pts
13	France	89	+0.8 pts
14	Austria	84.8	+0.1 pts
15	Germany	82	-1.2 pts
16	Estonia	69.6	-1.2 pts
17	Italy	61.7	-1 pts
18	Croatia	61.6	-0.5 pts
19	Poland	54.6	+0.2 pts
20	Slovakia	54.5	+4.1 pts
21	Czechia	53.8	-1.4 pts
22	Slovenia	46.4	-1.3 pts
23	Latvia	45.3	-5.7 pts
24	Hungary	45.1	-2.6 pts
25	Bulgaria	40.1	-0.1 pts
26	Lithuania	35.9	-0.9 pts
27	Romania	32.2	-1.3 pts

Other periods

About this ranking

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.

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. 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) (EU countries by household debt to income ratio, 2014) [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), EU countries by household debt to income ratio, 2014. Eurostat, European Commission, 14 Oct. 2026, https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table. Invokely, https://invokely.ai/rankings/household-debt-to-income-ratio/eu-countries?period=2014. 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). EU countries by household debt to income ratio, 2014. Dataset. Accessed October 18, 2026. https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table. Also distributed by Invokely, https://invokely.ai/rankings/household-debt-to-income-ratio/eu-countries?period=2014.

Harvard

Eurostat, European Commission (2026) Key indicators for sector accounts, gross debt-to-income ratio of households and NPISH (nasa_10_ki), EU countries by household debt to income ratio, 2014 [Dataset]. Available at: https://ec.europa.eu/eurostat/databrowser/view/nasa_10_ki/default/table, via Invokely: https://invokely.ai/rankings/household-debt-to-income-ratio/eu-countries?period=2014 (Accessed: 18 October 2026).

BibTeX

@misc{eurostat_eu_countries_by_household_2014,
  author = {{Eurostat, European Commission}},
  title = {{Key indicators for sector accounts, gross debt-to-income ratio of households and NPISH (nasa\_10\_ki): EU countries by household debt to income ratio, 2014}},
  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/rankings/household-debt-to-income-ratio/eu-countries?period=2014. 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): EU countries by household debt to income ratio, 2014
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/rankings/household-debt-to-income-ratio/eu-countries?period=2014
Y2  - 2026/10/18
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-debt-to-income-ratio/eu-countries?period=2014.
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

Which EU country has the highest household debt to income ratio?

Denmark, with 254.6% in 2014, according to Eurostat, European Commission.

Which EU country has the lowest household debt to income ratio?

Romania, with 32.2% in 2014.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: Eurostat, European Commission, Key indicators for sector accounts, gross debt-to-income ratio of households and NPISH (nasa_10_ki). Retrieved 2026-10-18.