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Indebtedness

Official Statistics of Finland (OSF)
Statistics on indebtedness describe debts of private persons and household-dwelling units. The statistics describe indebtedness by gender, age, family type and various regional levels. The data are based on the data of the Tax Administration and the total statistics on income distribution and published once a year.

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Statistics Finland

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Statistics Finland’s statistics on indebtedness show that the average debt per indebted household-dwelling unit was EUR 93,100 in 2021. The average housing loans of household-dwelling units with housing loans amounted to EUR 110,600. The amount of average debts and housing loans grew slightly in real terms from 2020.

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release | Indebtedness 2021, debt data

Average indebtedness ratio of household dwelling units with housing loans 227 percent

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Household-dwelling units in Greater Helsinki have the highest housing loans

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Debts of household-dwelling units with housing loans are more than double their annual income

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Figures

See key statistical data in the figures.
23.06.2022

Average housing loans of household-dwelling units with housing loans, time series

Average housing loans of household-dwelling units with housing loans, time series. Data on the figure are available from the table below the figure.
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2002Capital district73,848
Other Helsinki-Uusimaa67,959
Southern Finland53,210
Western Finland52,658
Northern and Eastern Finland49,134
Åland67,054
2003Capital district82,862
Other Helsinki-Uusimaa75,391
Southern Finland58,156
Western Finland57,357
Northern and Eastern Finland53,446
Åland74,344
2004Capital district92,926
Other Helsinki-Uusimaa84,542
Southern Finland64,065
Western Finland63,079
Northern and Eastern Finland58,704
Åland81,741
2005Capital district102,769
Other Helsinki-Uusimaa94,619
Southern Finland71,272
Western Finland69,838
Northern and Eastern Finland65,189
Åland88,084
2006Capital district111,268
Other Helsinki-Uusimaa103,839
Southern Finland77,769
Western Finland75,966
Northern and Eastern Finland70,945
Åland94,019
2007Capital district117,946
Other Helsinki-Uusimaa111,370
Southern Finland83,461
Western Finland81,382
Northern and Eastern Finland75,827
Åland100,283
2008Capital district120,271
Other Helsinki-Uusimaa113,983
Southern Finland85,714
Western Finland83,822
Northern and Eastern Finland77,418
Åland103,678
2009Capital district125,008
Other Helsinki-Uusimaa117,294
Southern Finland88,394
Western Finland87,036
Northern and Eastern Finland80,432
Åland109,259
2010Capital district129,082
Other Helsinki-Uusimaa119,872
Southern Finland90,466
Western Finland89,586
Northern and Eastern Finland82,638
Åland113,021
2011Capital district130,234
Other Helsinki-Uusimaa120,061
Southern Finland91,011
Western Finland90,604
Northern and Eastern Finland83,520
Åland113,775
2012Capital district132,056
Other Helsinki-Uusimaa119,828
Southern Finland90,738
Western Finland91,118
Northern and Eastern Finland83,988
Åland117,006
2013Capital district132,563
Other Helsinki-Uusimaa118,815
Southern Finland89,975
Western Finland91,119
Northern and Eastern Finland83,990
Åland118,205
2014Capital district133,629
Other Helsinki-Uusimaa117,122
Southern Finland89,103
Western Finland90,927
Northern and Eastern Finland83,607
Åland120,128
2015Capital district137,397
Other Helsinki-Uusimaa117,856
Southern Finland89,887
Western Finland92,340
Northern and Eastern Finland84,550
Åland124,435
2016Capital district140,920
Other Helsinki-Uusimaa118,164
Southern Finland90,056
Western Finland93,172
Northern and Eastern Finland85,028
Åland127,103
2017Capital district144,558
Other Helsinki-Uusimaa118,271
Southern Finland89,657
Western Finland93,416
Northern and Eastern Finland84,806
Åland129,700
2018Capital district147,168
Other Helsinki-Uusimaa117,210
Southern Finland88,935
Western Finland93,305
Northern and Eastern Finland84,080
Åland130,573
2019Capital district152,199
Other Helsinki-Uusimaa117,043
Southern Finland88,737
Western Finland93,737
Northern and Eastern Finland83,731
Åland130,913
2020Capital district160,739
Other Helsinki-Uusimaa119,613
Southern Finland90,439
Western Finland95,985
Northern and Eastern Finland85,552
Åland132,825
2021Capital district167,621
Other Helsinki-Uusimaa121,047
Southern Finland90,708
Western Finland96,703
Northern and Eastern Finland85,674
Åland130,777
23.06.2022

Average debts of household-dwelling units with debts by region, time series

23.06.2022

Average debts of household-dwelling units with debts by type of debt and region

Statistical experts

Inquiries primarily
toimeentulo.tilastokeskus@stat.fi
Ossi Kohvakka
Senior Statistician
029 551 3534

Are you looking for previously published statistical data?

The statistical data released before 5.4.2022 can be found on the archive pages of the statistics.

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