Financial Accounts of the United States - Z.1
S1M.b Households and nonprofit organizations 🕮 PDF
| Line | Description | Series | 2023 | 2024 | 2025 | 2025:Q1 | 2025:Q2 | 2025:Q3 | 2025:Q4 | 2026:Q1 | 2026:Q2 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Line 1 | Assets | FL152000005 | 175945.4 | 189507.8 | 203778.9 | 189557.8 | 196310.4 | 201783.7 | 203778.9 | 204671.7 | 217751.1 |
| Line 2 | Nonfinancial assets | LM152010005 | 57611.1 | 60024.0 | 61695.7 | 60664.1 | 61962.8 | 61922.6 | 61695.7 | 62890.6 | 64263.8 |
| Line 3 | Real estate | LM155035005 | 48842.7 | 50955.5 | 52015.3 | 51455.9 | 52564.0 | 52382.8 | 52015.3 | 52943.0 | 54073.9 |
| Line 4 | Households(2) | LM155035015 | 44742.9 | 46891.5 | 47862.0 | 47451.1 | 48598.1 | 48222.3 | 47862.0 | 48667.4 | 49791.7 |
| Line 5 | Nonprofit organizations | LM165035005 | 4099.9 | 4064.0 | 4153.3 | 4004.8 | 3965.9 | 4160.5 | 4153.3 | 4275.5 | 4282.3 |
| Line 6 | Equipment (nonprofits)(3) | LM165015205 | 653.5 | 681.7 | 729.3 | 688.0 | 699.8 | 716.3 | 729.3 | 745.2 | 764.8 |
| Line 7 | Intellectual property products (nonprofits)(3) | LM165013765 | 258.3 | 275.6 | 297.3 | 279.1 | 282.1 | 289.5 | 297.3 | 302.6 | 310.3 |
| Line 8 | Consumer durable goods(3) | LM155111005 | 7856.6 | 8111.2 | 8653.8 | 8241.1 | 8416.9 | 8534.0 | 8653.8 | 8899.9 | 9114.8 |
| Line 9 | Financial assets | FL154090005 | 118334.3 | 129483.9 | 142083.3 | 128893.7 | 134347.6 | 139861.1 | 142083.3 | 141781.1 | 153487.3 |
| Line 10 | Checkable deposits and currency | FL153020005 | 4384.4 | 4440.4 | 5525.0 | 4663.9 | 4693.3 | 4635.5 | 5525.0 | 5813.0 | 5764.6 |
| Line 11 | Time and savings deposits | FL153030005 | 9845.7 | 9767.5 | 9125.4 | 9788.8 | 9754.1 | 9858.1 | 9125.4 | 9185.0 | 9097.8 |
| Line 12 | Other deposits | LM153030505 | 50.8 | 56.6 | 66.3 | 58.5 | 60.3 | 65.5 | 66.3 | 71.0 | 72.8 |
| Line 13 | Debt securities | LM154022005 | 5389.9 | 5534.6 | 5878.3 | 5621.9 | 5733.5 | 5843.0 | 5878.3 | 5735.4 | 6006.2 |
| Line 14 | Treasury securities | LM153061105 | 2361.9 | 2371.7 | 2709.9 | 2556.4 | 2642.3 | 2709.2 | 2709.9 | 2673.8 | 2831.1 |
| Line 15 | Agency- and GSE-backed securities | LM153061705 | 965.6 | 1030.4 | 921.9 | 932.3 | 926.9 | 903.2 | 921.9 | 822.2 | 868.9 |
| Line 16 | Municipal securities | LM153062005 | 1863.5 | 1937.4 | 2052.4 | 1938.2 | 1969.5 | 2035.8 | 2052.4 | 2046.9 | 2114.2 |
| Line 17 | Corporate and foreign bonds | LM153063005 | 199.0 | 195.0 | 194.0 | 195.0 | 194.8 | 194.8 | 194.0 | 192.6 | 192.0 |
| Line 18 | Loans | FL154035005 | 863.5 | 886.7 | 930.5 | 897.1 | 925.5 | 959.3 | 930.5 | 1009.1 | 973.9 |
| Line 19 | Consumer credit (student loans)(4) | FL163066223 | 18.6 | 14.6 | 11.8 | 14.3 | 14.1 | 13.7 | 11.8 | 11.0 | 10.4 |
| Line 20 | Mortgages | FL153065005 | 73.9 | 70.3 | 62.0 | 68.4 | 66.7 | 64.1 | 62.0 | 60.1 | 58.2 |
| Line 21 | Other loans and advances(5) | FL153069005 | 771.0 | 801.9 | 856.8 | 814.4 | 844.7 | 881.5 | 856.8 | 938.0 | 905.3 |
| Line 22 | Corporate equities | LM153064105 | 30370.2 | 36999.3 | 44322.8 | 36522.2 | 39641.4 | 42969.7 | 44322.8 | 44007.8 | 52119.2 |
| Line 23 | Miscellaneous other equity | LM153081115 | 15810.3 | 16038.8 | 16324.7 | 16001.0 | 16043.8 | 16356.6 | 16324.7 | 16590.5 | 16754.1 |
| Line 24 | Money market fund shares | FL153034005 | 3916.6 | 4586.1 | 5187.4 | 4687.1 | 4739.1 | 4911.6 | 5187.4 | 5261.1 | 5327.2 |
| Line 25 | Mutual fund shares | LM153064205 | 11074.7 | 12187.4 | 13410.4 | 11906.5 | 12798.5 | 13367.9 | 13410.4 | 13099.2 | 14412.7 |
| Line 26 | Hedge fund shares | LM153064705 | 1767.8 | 1934.0 | 2212.8 | 1939.6 | 2038.4 | 2137.6 | 2212.8 | 2228.8 | 2491.0 |
| Line 27 | Private debt fund shares | LM153064505 | 137.6 | 148.5 | 155.9 | 148.6 | 150.9 | 150.6 | 155.9 | 145.3 | 144.6 |
| Line 28 | Life insurance reserves | FL153040005 | 2060.5 | 2161.9 | 2168.2 | 2150.2 | 2178.7 | 2182.7 | 2168.2 | 2167.9 | 2216.1 |
| Line 29 | Pension entitlements(6) | FL153050005 | 30632.1 | 32582.6 | 34493.0 | 32321.6 | 33376.4 | 34186.1 | 34493.0 | 34172.9 | 35728.3 |
| Line 30 | Trade receivables(4) | FL163070005 | 414.5 | 451.0 | 487.1 | 460.1 | 469.1 | 478.1 | 487.1 | 496.2 | 505.3 |
| Line 31 | Miscellaneous assets | FL153090005 | 1615.6 | 1708.5 | 1795.3 | 1726.6 | 1744.6 | 1758.8 | 1795.3 | 1797.8 | 1873.6 |
| Line 32 | Liabilities | FL154190005 | 20271.1 | 20786.3 | 21504.7 | 20859.9 | 21063.9 | 21274.5 | 21504.7 | 21604.6 | 21880.6 |
| Line 33 | Debt securities (municipal securities)(4) | FL163162003 | 209.2 | 218.0 | 234.4 | 220.0 | 226.3 | 229.6 | 234.4 | 237.7 | 243.6 |
| Line 34 | Loans | FL154135005 | 19525.7 | 20014.0 | 20697.4 | 20078.3 | 20272.2 | 20478.0 | 20697.4 | 20784.9 | 21052.3 |
| Line 35 | Depository institution loans n.e.c. | FL153168005 | 525.9 | 618.8 | 661.3 | 596.5 | 615.6 | 631.2 | 661.3 | 707.0 | 733.4 |
| Line 36 | Consumer credit | FL153166000 | 4988.2 | 4947.2 | 5098.8 | 4962.5 | 4995.6 | 5039.6 | 5098.8 | 5072.1 | 5120.3 |
| Line 37 | One-to-four-family residential mortgages(7) | FL153165105 | 13029.4 | 13394.5 | 13788.3 | 13448.7 | 13568.9 | 13687.8 | 13788.3 | 13826.6 | 13976.9 |
| Line 38 | Commercial mortgages(4) | FL163165505 | 531.1 | 548.1 | 580.3 | 552.2 | 560.6 | 572.1 | 580.3 | 591.3 | 595.4 |
| Line 39 | Other loans and advances | FL153169005 | 451.0 | 505.4 | 568.7 | 518.4 | 531.4 | 547.3 | 568.7 | 587.8 | 626.3 |
| Line 40 | Trade payables(4) | FL163170005 | 496.9 | 514.8 | 532.0 | 519.1 | 523.4 | 527.7 | 532.0 | 536.4 | 540.9 |
| Line 41 | Deferred and unpaid life insurance premiums | FL543077073 | 39.4 | 39.5 | 41.0 | 42.4 | 42.0 | 39.2 | 41.0 | 45.7 | 43.8 |
| Line 42 | Net worth (assets minus liabilities) | FL152090005 | 155674.3 | 168721.5 | 182274.2 | 168697.9 | 175246.5 | 180509.2 | 182274.2 | 183067.1 | 195870.5 |
| Memo: | |||||||||||
| Line 43 | Assets held in IRAs(8) | FL893131573 | 14584.0 | 16520.0 | 18725.0 | 16320.0 | 17475.0 | 18395.0 | 18725.0 | 18175.0 | |
| Line 44 | Assets held in 529 college plans(8) | FL154023205 | 471.2 | 525.1 | 602.9 | 525.1 | 567.9 | 588.0 | 602.9 | 594.5 | 653.6 |
| Line 45 | College savings plans | LM154023223 | 446.6 | 500.6 | 576.7 | 500.4 | 542.4 | 561.9 | 576.7 | 568.6 | 627.0 |
| Line 46 | Prepaid tuition plans | FL154023213 | 24.6 | 24.5 | 26.3 | 24.6 | 25.4 | 26.1 | 26.3 | 25.9 | 26.6 |
| Replacement-cost value of structures: | |||||||||||
| Line 47 | Residential | LM155012605 | 27411.5 | 28339.5 | 29392.8 | 28711.8 | 28933.3 | 29263.6 | 29392.8 | 29803.2 | 30148.1 |
| Line 48 | Households | LM155012665 | 26996.2 | 27911.3 | 28951.8 | 28278.8 | 28497.7 | 28823.8 | 28951.8 | 29356.7 | 29697.2 |
| Line 49 | Nonprofit organizations | LM165012665 | 415.4 | 428.1 | 441.0 | 433.0 | 435.6 | 439.8 | 441.0 | 446.4 | 450.9 |
| Line 50 | Nonresidential (nonprofits) | LM165013665 | 2884.0 | 2966.1 | 3062.9 | 2982.8 | 2983.1 | 3015.9 | 3062.9 | 3096.9 | 3135.3 |
| Line 51 | Disposable personal income (DPI) (SAAR) | FA156012005 | 20749.3 | 21917.7 | 22866.2 | 22563.7 | 22786.6 | 23001.2 | 23113.2 | 23429.6 | 23642.2 |
| Line 52 | Net worth/DPI (percent) (line 42/line 51) | FL152090006 | 750.3 | 769.8 | 797.1 | 747.7 | 769.1 | 784.8 | 788.6 | 781.4 | 828.5 |
| Line 53 | Owners' equity in real estate (line 4 less line 35) | FL155035065 | 31713.4 | 33496.9 | 34073.7 | 34002.4 | 35029.3 | 34534.5 | 34073.7 | 34840.9 | 35814.7 |
| Line 54 | Owners' equity/real estate (percent) (line 53/line 4) | FL155035066 | 70.9 | 71.4 | 71.2 | 71.7 | 72.1 | 71.6 | 71.2 | 71.6 | 71.9 |
Notes:
- Sector includes domestic hedge funds (through 2012q3), private equity funds, and personal trusts. Supplementary balance sheet tables S14.b and S15.b show estimates of annual year-end outstandings of households and nonprofit organizations, respectively. Detail on the sector's indirect holdings of debt securities and equity is shown on table S1M.b.e.
- 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.
- Student loans and trade receivables are financial assets of nonprofit organizations; municipal securities, commercial mortgages, and trade payables are liabilities.
- 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).
- 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).
- Included in assets shown on the household balance sheet.
Last Update: September 11, 2026