Northline Markets · Credit and financial conditions

Household credit market debt to disposable income

Household credit-market debt as a share of disposable income.

Latest value176.37%percent
Observation date2026 Q2
Change, 1 year-0.97 ptsfrom 177.34% on 2025 Q2
Change, 5 years-4.29 ptsfrom 180.66% on 2021 Q2

Quarterly, delayed Observed 2026 Q2 · aging · retrieved 2026-10-23 · Source: Statistics Canada · Not a live quote.

History

Household credit market debt to disposable income over time

Quarterly observations. Use the period buttons to change the range; the table beneath the chart lists the values.

Household credit market debt to disposable income

%.

Chart loads when it comes into view.

Latest values: Household credit market debt to disposable income 176.4 (2026 Q2).

What it measures

What this indicator is and why it is watched

What it measures

Household credit-market debt as a share of disposable income.

Why it is watched

A broad measure of household leverage.

Economic context

How it connects to the wider economy

Context, not a claim of cause.

It rises when debt grows faster than income.

Northline describes relationships as documented mechanisms, statistical associations or hypotheses. Nothing on this page states that a movement in this indicator caused a movement in another.

Method and source

How the data are produced

Publisher
Statistics Canada
Dataset
38-10-0238-01
Frequency
Quarterly
Unit
%
Observations
146 (long history)
Retrieved
2026-10-23
Series id
ca09_hh_debt_income_q

Quarterly, Statistics Canada national balance sheet accounts.

Adapted from Statistics Canada, Household sector credit market summary table, seasonally adjusted estimates, Table 38-10-0238-01. This does not constitute an endorsement by Statistics Canada.

Licence conditions: attribution required.

Missing observations are left missing and are never interpolated. Statistical agencies can revise published values; the observation date and retrieval date above identify the version shown. Methodology and sources.

Investigate

Take it into Intelligence Studio

Add this indicator to a workspace with related series and the recorded relationships.

In Studio, the Scenarios tab can ask a what-if question about this indicator. Scenario Intelligence applies its usual checks: when there is too little history, the series are not comparable or the relationship is not stable, it reports “not enough evidence” rather than a number.