NY Fed: Q3 household debt rises $334B to $19.1T; mortgage and credit card balances climb, 5% of debt delinquent
Nov 10, 2026, 11:08 AM EST1 sourcesAI-analyzed
Why it may matterVerify against the original reporting
Larger household borrowing and elevated delinquency share could influence Fed policy and financial stability assessments by tightening perceived household credit risk; the direction depends on whether rising balances reflect sustained borrowing growth or one‑off shifts in loan composition.
AI summary
What happened, with direct paths to the underlying reporting
The NY Fed reports Q3 household debt rose $334B to $19.1T, with mortgage debt up $257B to $13.4T, credit card debt up $22B to $1.3T; 5% of debt was delinquent at end-September and serious-delinquency flows fell vs Q3 2025.
Q3 total household debt rose $334 billion to $19.1 trillion.
Q3 mortgage debt rose $257 billion to $13.4 trillion.
Q3 credit card debt rose $22 billion to $1.3 trillion.
At September’s end, 5% of household debt was in some form of delinquency.
Q3 overall flow into ‘serious’ delinquency was down from Q3 2025.
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