Financial Accounts of the United States - Z.1
S1M.b Households and nonprofit organizations 🕮 PDF
| Line | Description | Series | 2023 | 2024 | 2025 | 2024:Q4 | 2025:Q1 | 2025:Q2 | 2025:Q3 | 2025:Q4 | 2026:Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Line 1 | Assets | FL152000005 | 176785.7 | 190620.9 | 204373.5 | 190620.9 | 190482.7 | 196975.3 | 202414.1 | 204373.5 | 204539.9 |
| Line 2 | Nonfinancial assets | LM152010005 | 57666.5 | 60076.3 | 61755.1 | 60076.3 | 60707.4 | 62001.2 | 61968.1 | 61755.1 | 62934.7 |
| Line 3 | Real estate | LM155035005 | 48898.1 | 51007.8 | 52074.7 | 51007.8 | 51499.2 | 52602.4 | 52428.3 | 52074.7 | 52987.3 |
| Line 4 | Households(2) | LM155035015 | 44796.5 | 46931.0 | 47913.4 | 46931.0 | 47493.3 | 48640.7 | 48268.3 | 47913.4 | 48723.3 |
| Line 5 | Nonprofit organizations | LM165035005 | 4101.6 | 4076.8 | 4161.2 | 4076.8 | 4006.0 | 3961.7 | 4160.0 | 4161.2 | 4264.0 |
| Line 6 | Equipment (nonprofits)(3) | LM165015205 | 653.5 | 681.7 | 729.3 | 681.7 | 688.0 | 699.8 | 716.3 | 729.3 | 745.1 |
| Line 7 | Intellectual property products (nonprofits)(3) | LM165013765 | 258.3 | 275.6 | 297.3 | 275.6 | 279.1 | 282.1 | 289.5 | 297.3 | 302.5 |
| Line 8 | Consumer durable goods(3) | LM155111005 | 7856.6 | 8111.2 | 8653.8 | 8111.2 | 8241.1 | 8416.9 | 8534.0 | 8653.8 | 8899.8 |
| Line 9 | Financial assets | FL154090005 | 119119.3 | 130544.6 | 142618.4 | 130544.6 | 129775.3 | 134974.1 | 140445.9 | 142618.4 | 141605.2 |
| Line 10 | Checkable deposits and currency | FL153020005 | 4428.0 | 4621.2 | 5679.9 | 4621.2 | 4845.7 | 4868.9 | 4831.8 | 5679.9 | 5948.9 |
| Line 11 | Time and savings deposits | FL153030005 | 9846.0 | 9787.9 | 9102.3 | 9787.9 | 9805.2 | 9788.0 | 9888.7 | 9102.3 | 9156.7 |
| Line 12 | Other deposits | LM153030505 | 50.8 | 56.6 | 67.4 | 56.6 | 58.5 | 61.3 | 66.4 | 67.4 | 71.8 |
| Line 13 | Debt securities | LM154022005 | 5570.3 | 5825.6 | 6198.8 | 5825.6 | 5927.9 | 6034.2 | 6131.2 | 6198.8 | 6129.3 |
| Line 14 | Treasury securities | LM153061105 | 2518.6 | 2631.6 | 3006.7 | 2631.6 | 2829.4 | 2910.3 | 2968.5 | 3006.7 | 3039.0 |
| Line 15 | Agency- and GSE-backed securities | LM153061705 | 972.6 | 1046.5 | 928.8 | 1046.5 | 953.5 | 945.9 | 917.2 | 928.8 | 823.6 |
| Line 16 | Municipal securities | LM153062005 | 1880.0 | 1952.5 | 2069.3 | 1952.5 | 1949.9 | 1983.2 | 2050.5 | 2069.3 | 2074.1 |
| Line 17 | Corporate and foreign bonds | LM153063005 | 199.0 | 195.0 | 194.0 | 195.0 | 195.0 | 194.8 | 194.8 | 194.0 | 192.6 |
| Line 18 | Loans | FL154035005 | 1355.9 | 1201.1 | 1239.0 | 1201.1 | 1249.1 | 1244.9 | 1256.3 | 1239.0 | 1298.0 |
| Line 19 | Consumer credit (student loans)(5) | FL163066223 | 18.6 | 15.4 | 12.4 | 15.4 | 15.1 | 14.7 | 14.4 | 12.4 | 11.6 |
| Line 20 | Mortgages | FL153065005 | 73.9 | 70.3 | 64.4 | 70.3 | 69.0 | 67.9 | 65.9 | 64.4 | 62.5 |
| Line 21 | Other loans and advances(4) | FL153069005 | 1263.4 | 1115.4 | 1162.3 | 1115.4 | 1165.1 | 1162.3 | 1176.0 | 1162.3 | 1223.9 |
| Line 22 | Corporate equities | LM153064105 | 32242.5 | 39020.0 | 45986.8 | 39020.0 | 38347.8 | 41322.2 | 44657.4 | 45986.8 | 44963.9 |
| Line 23 | Miscellaneous other equity | LM153081115 | 15788.3 | 16049.2 | 16317.6 | 16049.2 | 15997.3 | 16022.6 | 16328.4 | 16317.6 | 16559.4 |
| Line 24 | Money market fund shares | FL153034005 | 4030.6 | 4707.2 | 5329.0 | 4707.2 | 4793.7 | 4843.1 | 5030.2 | 5329.0 | 5419.1 |
| Line 25 | Mutual fund shares | LM153064205 | 11084.3 | 12332.9 | 13696.4 | 12332.9 | 12071.6 | 13005.5 | 13610.9 | 13696.4 | 13369.3 |
| Line 26 | Life insurance reserves | FL153040005 | 2060.5 | 2161.9 | 2168.2 | 2161.9 | 2141.3 | 2159.8 | 2172.8 | 2168.2 | 2167.9 |
| Line 27 | Pension entitlements(6) | FL153050005 | 30632.1 | 32621.4 | 34564.6 | 32621.4 | 32354.0 | 33416.8 | 34245.3 | 34564.6 | 34240.8 |
| Line 28 | Trade receivables(5) | FL163070005 | 414.5 | 451.0 | 487.1 | 451.0 | 460.1 | 469.1 | 478.1 | 487.1 | 496.2 |
| Line 29 | Miscellaneous assets | FL153090005 | 1615.6 | 1708.5 | 1781.4 | 1708.5 | 1723.2 | 1737.6 | 1748.3 | 1781.4 | 1783.9 |
| Line 30 | Liabilities | FL154190005 | 20507.0 | 20860.2 | 21506.7 | 20860.2 | 20874.1 | 21044.2 | 21276.8 | 21506.7 | 21560.0 |
| Line 31 | Debt securities (municipal securities)(5) | FL163162003 | 208.7 | 217.1 | 233.3 | 217.1 | 219.2 | 225.3 | 228.6 | 233.3 | 236.6 |
| Line 32 | Loans | FL154135005 | 19762.0 | 20088.8 | 20700.4 | 20088.8 | 20093.4 | 20253.5 | 20481.3 | 20700.4 | 20741.3 |
| Line 33 | One-to-four-family residential mortgages(7) | FL153165105 | 13029.4 | 13395.5 | 13783.2 | 13395.5 | 13448.1 | 13564.7 | 13681.8 | 13783.2 | 13821.0 |
| Line 34 | Consumer credit | FL153166000 | 4988.2 | 4948.1 | 5099.4 | 4948.1 | 4963.3 | 4996.3 | 5040.3 | 5099.4 | 5073.0 |
| Line 35 | Depository institution loans n.e.c. | FL153168005 | 475.3 | 347.4 | 234.6 | 347.4 | 277.6 | 238.8 | 233.7 | 234.6 | 240.9 |
| Line 36 | Other loans and advances | FL153169005 | 737.9 | 849.1 | 1004.1 | 849.1 | 851.8 | 892.3 | 953.0 | 1004.1 | 1019.6 |
| Line 37 | Commercial mortgages(5) | FL163165505 | 531.1 | 548.7 | 579.1 | 548.7 | 552.5 | 561.4 | 572.3 | 579.1 | 586.8 |
| Line 38 | Trade payables(5) | FL163170005 | 496.9 | 514.8 | 532.0 | 514.8 | 519.1 | 523.4 | 527.7 | 532.0 | 536.4 |
| Line 39 | Deferred and unpaid life insurance premiums | FL543077073 | 39.4 | 39.5 | 41.0 | 39.5 | 42.4 | 42.0 | 39.2 | 41.0 | 45.7 |
| Line 40 | Net worth (assets minus liabilities) | FL152090005 | 156278.8 | 169760.7 | 182866.8 | 169760.7 | 169608.6 | 175931.1 | 181137.3 | 182866.8 | 182979.9 |
| Memo: | |||||||||||
| Line 41 | Assets held in IRAs(8) | FL893131573 | 15000.0 | 17000.0 | 19220.0 | 17000.0 | 16784.0 | 17960.0 | 18894.0 | 19220.0 | |
| Line 42 | Assets held in 529 college plans(8) | FL154023205 | 471.2 | 525.1 | 602.9 | 525.1 | 525.1 | 567.8 | 588.0 | 602.9 | 594.5 |
| Line 43 | College savings plans | LM154023223 | 446.6 | 500.6 | 576.7 | 500.6 | 500.4 | 542.4 | 561.9 | 576.7 | 568.6 |
| Line 44 | Prepaid tuition plans | FL154023213 | 24.6 | 24.5 | 26.3 | 24.5 | 24.6 | 25.4 | 26.1 | 26.3 | 25.9 |
| Replacement-cost value of structures: | |||||||||||
| Line 45 | Residential | LM155012605 | 27411.5 | 28339.5 | 29392.8 | 28339.5 | 28711.8 | 28933.3 | 29263.6 | 29392.8 | 29778.5 |
| Line 46 | Households | LM155012665 | 26996.2 | 27911.3 | 28951.8 | 27911.3 | 28278.8 | 28497.7 | 28823.8 | 28951.8 | 29332.4 |
| Line 47 | Nonprofit organizations | LM165012665 | 415.4 | 428.1 | 441.0 | 428.1 | 433.0 | 435.6 | 439.8 | 441.0 | 446.1 |
| Line 48 | Nonresidential (nonprofits) | LM165013665 | 2884.0 | 2966.1 | 3062.9 | 2966.1 | 2982.8 | 2983.1 | 3015.9 | 3062.9 | 3096.3 |
| Line 49 | Disposable personal income (DPI) (SAAR) | FA156012005 | 20749.3 | 21917.7 | 22866.2 | 22249.5 | 22563.7 | 22786.6 | 23001.2 | 23113.2 | 23418.6 |
| Line 50 | Net worth/DPI (percent) (line 40/line 49) | FL152090006 | 753.2 | 774.5 | 799.7 | 763.0 | 751.7 | 772.1 | 787.5 | 791.2 | 781.3 |
| Line 51 | Owners' equity in real estate (line 4 less line 33) | FL155035065 | 31767.1 | 33535.5 | 34130.2 | 33535.5 | 34045.2 | 35076.0 | 34586.5 | 34130.2 | 34902.4 |
| Line 52 | Owners' equity/real estate (percent) (line 51/line 4) | FL155035066 | 70.9 | 71.5 | 71.2 | 71.5 | 71.7 | 72.1 | 71.7 | 71.2 | 71.6 |
Notes:
- Sector includes domestic hedge funds, 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.
- Includes nonmarketable Treasury securities, cash accounts at brokers and dealers, and syndicated loans to nonfinancial corporate business by nonprofits and domestic hedge funds.
- Student loans and trade receivables are financial assets of nonprofit organizations; municipal securities, commercial mortgages, and trade payables are liabilities.
- 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, line 23).
- Included in assets shown on the household balance sheet.
Last Update: June 11, 2026