Financial Accounts of the United States - Z.1
S14.b Balance sheet of households 🕮 PDF
| Line | Description | Series | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Line 1 | Assets | FL192000005 | 111328.8 | 111869.5 | 122919.1 | 137462.0 | 158970.1 | 152515.0 | 165485.7 | 178700.0 | 192425.1 |
| Line 2 | Nonfinancial assets | LM192010005 | 31932.3 | 33147.1 | 34199.5 | 38279.9 | 46124.6 | 49520.5 | 52599.4 | 55002.6 | 56515.8 |
| Line 3 | Real estate(2) | LM155035015 | 26664.7 | 27675.5 | 28528.1 | 32257.6 | 39128.7 | 41881.2 | 44742.9 | 46891.5 | 47862.0 |
| Line 4 | Consumer durable goods(3) | LM155111005 | 5267.6 | 5471.6 | 5671.3 | 6022.3 | 6996.0 | 7639.3 | 7856.6 | 8111.2 | 8653.8 |
| Line 5 | Financial assets | FL194090005 | 79396.5 | 78722.4 | 88719.6 | 99182.1 | 112845.5 | 102994.5 | 112886.3 | 123697.4 | 135909.3 |
| Line 6 | Checkable deposits and currency | FL193020005 | 1147.0 | 975.1 | 957.2 | 2876.2 | 3809.5 | 4243.7 | 4077.0 | 4122.2 | 5196.7 |
| Line 7 | Time deposits and short-term investments | FL193030205 | 8593.4 | 9027.3 | 9544.9 | 9982.0 | 10730.9 | 9974.0 | 9517.2 | 9459.9 | 8802.2 |
| Line 8 | Debt securities | LM194022005 | 2924.1 | 3545.9 | 3909.7 | 3329.0 | 2340.6 | 4066.9 | 5096.5 | 5255.1 | 5608.7 |
| Line 9 | U.S. government and municipal securities | LM193061005 | 2924.1 | 3545.9 | 3909.7 | 3329.0 | 2340.6 | 4066.9 | 5096.5 | 5255.1 | 5608.7 |
| Line 10 | Corporate and foreign bonds | LM193063005 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Line 11 | Loans | FL194035005 | 568.3 | 567.3 | 570.2 | 643.1 | 688.6 | 727.8 | 666.7 | 686.2 | 722.0 |
| Line 12 | Other loans and advances(4) | FL193069005 | 480.8 | 485.9 | 491.6 | 566.3 | 605.8 | 654.5 | 594.3 | 617.4 | 661.6 |
| Line 13 | Mortgages | FL193065005 | 87.5 | 81.4 | 78.6 | 76.8 | 82.7 | 73.3 | 72.3 | 68.7 | 60.4 |
| Line 14 | Corporate equities and mutual fund shares | LM193064105 | 24030.5 | 22041.2 | 27631.6 | 32857.5 | 41213.5 | 32417.8 | 38634.8 | 46172.8 | 54541.1 |
| Line 15 | Miscellaneous other equity(5) | LM153081115 | 10999.8 | 11366.1 | 12077.5 | 13046.2 | 15373.6 | 15953.5 | 15810.3 | 16038.8 | 16324.7 |
| Line 16 | Money market fund shares | FL193034005 | 1471.6 | 1639.8 | 2058.2 | 2461.3 | 2543.3 | 2815.2 | 3734.8 | 4369.0 | 4975.3 |
| Line 17 | Hedge fund shares | LM193064703 | 773.2 | 708.0 | 768.8 | 894.5 | 1038.8 | 900.3 | 953.4 | 1045.6 | 1182.7 |
| Line 18 | Private debt fund shares | LM193064505 | 33.6 | 37.5 | 43.4 | 49.4 | 63.4 | 69.2 | 87.5 | 94.9 | 99.1 |
| Line 19 | Life insurance reserves | FL153040005 | 1678.6 | 1709.9 | 1786.2 | 1921.8 | 2000.3 | 1987.1 | 2060.5 | 2161.9 | 2168.2 |
| Line 20 | Pension entitlements(6) | FL153050005 | 25974.8 | 25850.6 | 28075.5 | 29779.4 | 31623.8 | 28313.6 | 30632.1 | 32582.6 | 34493.0 |
| Line 21 | Miscellaneous assets | FL193090005 | 1201.5 | 1253.8 | 1296.5 | 1341.9 | 1419.3 | 1525.3 | 1615.6 | 1708.5 | 1795.3 |
| Line 22 | Liabilities | FL194190005 | 14333.9 | 14824.2 | 15273.3 | 15694.1 | 17176.0 | 18398.1 | 18876.7 | 19327.8 | 19959.2 |
| Line 23 | Loans | FL194135005 | 14300.4 | 14788.8 | 15236.4 | 15657.1 | 17137.5 | 18361.1 | 18837.3 | 19288.2 | 19918.3 |
| Line 24 | Depository institution loans n.e.c. | FL193168005 | 253.4 | 299.4 | 282.8 | 302.7 | 353.5 | 408.1 | 368.7 | 441.0 | 462.4 |
| Line 25 | Consumer credit | FL153166000 | 3830.8 | 4007.0 | 4192.2 | 4149.0 | 4512.7 | 4858.4 | 4988.2 | 4947.2 | 5098.8 |
| Line 26 | One-to-four-family residential mortgages(7) | FL153165105 | 9852.3 | 10121.6 | 10391.3 | 10783.2 | 11814.5 | 12654.1 | 13029.4 | 13394.5 | 13788.3 |
| Line 27 | Other loans and advances | FL193169005 | 363.8 | 360.8 | 370.1 | 422.2 | 456.8 | 440.4 | 451.0 | 505.4 | 568.7 |
| Line 28 | Deferred and unpaid life insurance premiums | FL543077073 | 33.5 | 35.4 | 36.9 | 37.0 | 38.4 | 37.0 | 39.4 | 39.5 | 41.0 |
| Line 29 | Net worth | FL192090005 | 96994.9 | 97045.3 | 107645.8 | 121768.0 | 141794.1 | 134116.9 | 146609.0 | 159372.3 | 172465.9 |
| Reconciliation with household and nonprofit organization sector net worth(8) | |||||||||||
| Line 30 | Household and nonprofit net worth (S1M.b, line 40) | FL152090005 | 103709.0 | 103703.7 | 114985.5 | 130050.4 | 151002.0 | 143079.5 | 155674.3 | 168721.5 | 182274.2 |
| Line 31 | Household and nonprofit total assets (S1M.b, line 1) | FL152000005 | 118949.9 | 119433.2 | 131338.1 | 146880.1 | 169382.2 | 162794.3 | 175945.4 | 189507.8 | 203778.9 |
| Line 32 | Household total assets (S14.b, line 1) | FL192000005 | 111328.8 | 111869.5 | 122919.1 | 137462.0 | 158970.1 | 152515.0 | 165485.7 | 178700.0 | 192425.1 |
| Line 33 | Nonprofit total assets (S15.b, line 1) | FL162000005 | 8743.0 | 8650.1 | 9636.9 | 10905.0 | 12123.9 | 12315.8 | 12727.0 | 13260.9 | 13918.3 |
| Line 34 | Less: Nonprofit misc. assets (S15.b, line 19) | FL163093005 | 1132.7 | 1096.2 | 1227.2 | 1495.3 | 1719.8 | 2043.6 | 2271.9 | 2457.0 | 2570.2 |
| Line 35 | Plus: Domestic hedge fund syndicated loans (through 2012q3)(9) | FL153069803 | 10.7 | 9.8 | 9.3 | 8.4 | 8.0 | 7.1 | 4.7 | 3.9 | 5.7 |
| Line 36 | Less: Household and nonprofit liabilities (S1M.b, line 30) | FL154190005 | 15240.8 | 15729.5 | 16352.6 | 16829.7 | 18380.2 | 19714.8 | 20271.1 | 20786.3 | 21504.7 |
| Line 37 | Household liabilities (S14.b, line 20) | FL194190005 | 14333.9 | 14824.2 | 15273.3 | 15694.1 | 17176.0 | 18398.1 | 18876.7 | 19327.8 | 19959.2 |
| Line 38 | Nonprofit liabilities (S15.b, line 22) | FL164190005 | 1791.7 | 1778.7 | 2050.3 | 2207.2 | 2308.4 | 2475.3 | 2618.7 | 2762.9 | 2910.5 |
| Line 39 | Less: Nonprofit misc. liabilities (S15.b, line 29) | FL163193005 | 884.7 | 873.4 | 971.0 | 1071.5 | 1104.2 | 1158.7 | 1224.2 | 1304.3 | 1365.1 |
Notes:
- Table is based on table S15.b Balance Sheet of Households and Nonprofit Organizations, with adjustments to remove the assets and liabilities of nonprofit organizations, shown on table S1M.b.n.
- All types of owner-occupied housing including farm houses and mobile homes, as well as second homes that are not rented, vacant homes for sale, and vacant land, at market value.
- At replacement (current) cost.
- Includes nonmarketable Treasury securities, cash accounts at brokers and dealers, and syndicated loans to nonfinancial corporate business by nonprofits and domestic hedge funds (through 2012q3).
- Net worth of nonfinancial noncorporate business (table S11.2.b, equity in noncorporate business), owners' equity in unincorporated security brokers and dealers and investments in Public-Private Investment Program (PPIP).
- Includes public and private defined benefit and defined contribution pension plans and annuities, including those in IRAs and at life insurance companies. Excludes social security.
- Includes loans made under home equity lines of credit and home equity loans secured by junior liens (see the one-to-four-family residential mortgages table, F4.5a.s, home equity loans included above).
- Some financial asset and liability items shown on the supplemental balance sheet of nonprofit organizations (table S15.b) are not included on the balance sheet of the household and nonprofit organization sector (table S1M.b). Therefore, some adjustments are necessary to reconcile the combined assets and liabilities of the household sector (table S14.b) and nonprofit organization sector (table S15.b) with the household and nonprofit organization sector's (table S1M.b) in the core Financial Accounts.
- Syndicated loans included in household and nonprofit organizations' other loans and advances (table S1M.b, financial assets, other loans and advances) but assumed to be held by domestic hedge funds (through 2012q3).
Last Update: September 11, 2026