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 | 112409.4 | 112848.1 | 124414.5 | 139069.4 | 160723.9 | 154077.2 | 167108.3 | 180640.6 | 193966.9 |
| Line 2 | Nonfinancial assets | LM192010005 | 32014.2 | 33222.4 | 34243.2 | 38309.4 | 46183.9 | 49595.2 | 52653.1 | 55042.2 | 56567.2 |
| Line 3 | Real estate(2) | LM155035015 | 26746.5 | 27750.8 | 28571.8 | 32287.1 | 39188.0 | 41955.9 | 44796.5 | 46931.0 | 47913.4 |
| 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 | 80395.2 | 79625.7 | 90171.3 | 100759.9 | 114540.0 | 104482.0 | 114455.2 | 125598.4 | 137399.7 |
| Line 6 | Checkable deposits and currency | FL193020005 | 1170.9 | 999.7 | 978.4 | 2907.9 | 3848.2 | 4285.3 | 4120.6 | 4303.1 | 5351.7 |
| Line 7 | Time deposits and short-term investments | FL193030205 | 8593.4 | 9027.3 | 9544.9 | 9982.0 | 10730.9 | 9974.1 | 9517.5 | 9480.3 | 8780.2 |
| Line 8 | Debt securities | LM194022005 | 3042.3 | 3669.1 | 4038.0 | 3442.3 | 2454.1 | 4216.0 | 5276.9 | 5546.1 | 5929.3 |
| Line 9 | U.S. government and municipal securities | LM193061005 | 3042.3 | 3669.1 | 4038.0 | 3442.3 | 2453.4 | 4216.0 | 5276.9 | 5546.1 | 5929.3 |
| Line 10 | Corporate and foreign bonds | LM193063005 | 0.0 | 0.0 | 0.0 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | 0.0 |
| Line 11 | Loans | FL194035005 | 1003.2 | 959.6 | 981.2 | 1093.3 | 1190.0 | 1143.0 | 1078.4 | 898.7 | 898.8 |
| Line 12 | Other loans and advances(4) | FL193069005 | 915.7 | 878.2 | 902.6 | 1016.5 | 1107.3 | 1069.7 | 1006.1 | 830.0 | 836.0 |
| Line 13 | Mortgages | FL193065005 | 87.5 | 81.4 | 78.6 | 76.8 | 82.7 | 73.3 | 72.3 | 68.7 | 62.8 |
| Line 14 | Corporate equities and mutual fund shares | LM193064005 | 25193.1 | 23076.8 | 29254.0 | 34736.3 | 43290.3 | 34189.1 | 40516.6 | 48339.1 | 56491.1 |
| Line 15 | Miscellaneous other equity(6) | LM153081115 | 10971.5 | 11349.2 | 12058.8 | 12999.5 | 15325.5 | 15925.7 | 15788.3 | 16049.2 | 16317.6 |
| Line 16 | Money market fund shares | FL193034005 | 1566.0 | 1729.7 | 2157.9 | 2555.6 | 2657.8 | 2923.0 | 3848.7 | 4490.0 | 5116.9 |
| Line 17 | Life insurance reserves | FL153040005 | 1678.6 | 1709.9 | 1786.2 | 1921.8 | 2000.3 | 1987.1 | 2060.5 | 2161.9 | 2168.2 |
| Line 18 | Pension entitlements(5) | FL153050005 | 25974.7 | 25850.5 | 28075.4 | 29779.4 | 31623.6 | 28313.4 | 30632.1 | 32621.4 | 34564.6 |
| Line 19 | Miscellaneous assets | FL193090005 | 1201.5 | 1253.8 | 1296.5 | 1341.9 | 1419.3 | 1525.3 | 1615.6 | 1708.5 | 1781.4 |
| Line 20 | Liabilities | FL194190005 | 14514.0 | 14992.3 | 15449.7 | 15957.4 | 17505.5 | 18616.3 | 19113.0 | 19401.8 | 19963.4 |
| Line 21 | Loans | FL194135005 | 14480.5 | 14957.0 | 15412.8 | 15920.5 | 17467.1 | 18579.3 | 19073.6 | 19362.3 | 19922.4 |
| Line 22 | One-to-four-family residential mortgages(7) | FL153165105 | 9852.3 | 10121.6 | 10391.3 | 10783.2 | 11814.5 | 12654.1 | 13029.4 | 13395.5 | 13783.2 |
| Line 23 | Consumer credit | FL153166000 | 3830.8 | 4007.0 | 4192.2 | 4149.0 | 4512.7 | 4858.4 | 4988.2 | 4948.1 | 5099.4 |
| Line 24 | Depository institution loans n.e.c. | FL193168005 | 225.6 | 270.3 | 254.2 | 271.7 | 312.4 | 359.4 | 318.1 | 169.7 | 35.8 |
| Line 25 | Other loans and advances | FL193169005 | 571.8 | 558.0 | 575.1 | 716.6 | 827.5 | 707.3 | 737.9 | 849.1 | 1004.1 |
| Line 26 | 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 27 | Net worth | FL192090005 | 97895.4 | 97855.8 | 108964.8 | 123111.9 | 143218.4 | 135460.9 | 147995.3 | 161238.8 | 174003.5 |
| Reconciliation with household and nonprofit organization sector net worth(8) | |||||||||||
| Line 28 | Household and nonprofit net worth (S1M.b, line 40) | FL152090005 | 104037.8 | 103978.6 | 115671.0 | 130656.5 | 151597.9 | 143702.0 | 156278.8 | 169760.7 | 182866.8 |
| Line 29 | Household and nonprofit total assets (S1M.b, line 1) | FL152000005 | 119458.6 | 119876.0 | 132199.7 | 147749.3 | 170307.3 | 163634.5 | 176785.7 | 190620.9 | 204373.5 |
| Line 30 | Household total assets (S14.b, line 1) | FL192000005 | 112409.4 | 112848.1 | 124414.5 | 139069.4 | 160723.9 | 154077.2 | 167108.3 | 180640.6 | 193966.9 |
| Line 31 | Nonprofit total assets (S15.b, line 1) | FL162000005 | 8735.8 | 8652.9 | 9637.9 | 10909.9 | 12135.8 | 12328.4 | 12728.7 | 13273.7 | 13926.3 |
| Line 32 | Less: Nonprofit misc. assets (S15.b, line 19) | FL163093005 | 1786.7 | 1719.8 | 1961.2 | 2335.6 | 2649.4 | 2864.5 | 3136.5 | 3398.2 | 3656.4 |
| Line 33 | Plus: Domestic hedge fund syndicated loans(9) | FL153069803 | 100.2 | 94.8 | 108.5 | 105.6 | 97.0 | 93.4 | 85.3 | 104.8 | 136.7 |
| Line 34 | Less: Household and nonprofit liabilities (S1M.b, line 30) | FL154190005 | 15420.8 | 15897.4 | 16528.7 | 17092.8 | 18709.4 | 19932.5 | 20507.0 | 20860.2 | 21506.7 |
| Line 35 | Household liabilities (S14.b, line 20) | FL194190005 | 14514.0 | 14992.3 | 15449.7 | 15957.4 | 17505.5 | 18616.3 | 19113.0 | 19401.8 | 19963.4 |
| Line 36 | 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 37 | Less: Nonprofit misc. liabilities (S15.b, line 29) | FL163193005 | 884.9 | 873.7 | 971.3 | 1071.9 | 1104.6 | 1159.1 | 1224.7 | 1304.5 | 1367.3 |
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.
- 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.
- Net worth of nonfinancial noncorporate business (table S11.2.b, line 40), owners' equity in unincorporated security brokers and dealers and investments in Public-Private Investment Program (PPIP).
- 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, line 23).
- 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, line 21) but assumed to be held by domestic hedge funds.
Last Update: June 11, 2026