National figures
Table 1 sets the quarter beside the one before it. Tables 1 and 2 come from the New York Fed's own data workbook for its Quarterly Report on Household Debt and Credit. The changes are our subtraction of the two quarters it prints.
| Measure | Q3 2026 | Q2 2026 |
|---|---|---|
| Total household debt | $19.105 trillion | $18.771 trillion |
| Credit-card balances | $1.285 trillion | $1.263 trillion |
| Share of card balances 90+ days delinquent | 12.90% | 12.92% |
| Share of all debt balances 90+ days late | 3.43% | 3.31% |
| Share of all debt in some stage of delinquency | 4.96% | 4.73% |
Which of our six states are in the quarterly report?
The workbook charts 11 selected states. Of the six this site covers, it includes Arizona, California, Florida and Texas. Balances are per consumer with a credit report, read from one sheet for both quarters so the change compares like with like.
| State | Total debt per consumer | Change from Q2 2026 | Share of all debt balances 90+ days late (change from Q2 2026) | Credit-card debt per consumer |
|---|---|---|---|---|
| Arizona | $74,250 | up $1,560 (2.1%) | 3.62% (up 0.21 points) | $4,630 |
| California | $88,000 | up $960 (1.1%) | 2.47% (up 0.28 points) | $4,990 |
| Florida | $63,910 | up $1,110 (1.8%) | 4.36% (up 0.15 points) | $5,000 |
| Texas | $61,380 | up $1,270 (2.1%) | 4.65% (up 0.07 points) | $4,590 |
What about Georgia and North Carolina?
The quarterly workbook has no row for Georgia and North Carolina, so it gives no Q3 2026 figure for them. The newest figures are in the New York Fed's State Level Household Debt Statistics, an annual file. The New York Fed notes the two files may not match, so we never compute a change across them.
| State | Credit-card debt per consumer | Change over the year | Total debt per consumer |
|---|---|---|---|
| Georgia | $4,610 | up $180 (4.1%) | $62,070 |
| North Carolina | $4,160 | up $190 (4.8%) | $61,070 |
Common questions
How much household debt do Americans have in Q3 2026?
The New York Fed puts the total at $19.10 trillion for Q3 2026. Its Consumer Credit Panel, the source of that number, is built on Equifax credit reports.
What does per consumer mean here?
The New York Fed divides balances by people with a credit report, aged 18 or older, in its Consumer Credit Panel. It is not an average per household, per resident or per borrower of that loan type.
Sources
- Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, data workbook, Q3 2026. New York Fed Consumer Credit Panel/Equifax.
- Federal Reserve Bank of New York, State Level Household Debt Statistics, Q4 2025.