Financial Accounts of the United States - Z.1
B.101 Households and nonprofit organizations1
Billions of dollars; amounts outstanding end of period, not seasonally adjusted
| Line | Description | Series | 2023 | 2024 | 2025 | 2024:Q3 | 2024:Q4 | 2025:Q1 | 2025:Q2 | 2025:Q3 | 2025:Q4 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Line 1 | Assets | FL152000005 | 176573.6 | 190464.4 | 205613.3 | 189742.8 | 190464.4 | 189620.3 | 196729.5 | 203202.0 | 205613.3 |
| Line 2 | Nonfinancial assets | LM152010005 | 57671.9 | 60083.1 | 61747.4 | 60333.3 | 60083.1 | 60707.3 | 62000.1 | 61953.4 | 61747.4 |
| Line 3 | Real estate | LM155035005 | 48903.5 | 51014.6 | 52066.9 | 51372.6 | 51014.6 | 51499.1 | 52601.3 | 52413.6 | 52066.9 |
| Line 4 | Households2 | LM155035015 | 44796.5 | 46928.3 | 47915.6 | 47315.5 | 46928.3 | 47490.6 | 48637.9 | 48269.9 | 47915.6 |
| Line 5 | Nonprofit organizations | LM165035005 | 4107.0 | 4086.3 | 4151.3 | 4057.1 | 4086.3 | 4008.5 | 3963.4 | 4143.7 | 4151.3 |
| Line 6 | Equipment (nonprofits)3 | LM165015205 | 653.5 | 681.7 | 729.4 | 676.8 | 681.7 | 688.0 | 699.8 | 716.3 | 729.4 |
| Line 7 | Intellectual property products (nonprofits)3 | LM165013765 | 258.3 | 275.6 | 297.5 | 270.5 | 275.6 | 279.1 | 282.1 | 289.5 | 297.5 |
| Line 8 | Consumer durable goods3 | LM155111005 | 7856.6 | 8111.2 | 8653.5 | 8013.4 | 8111.2 | 8241.1 | 8416.9 | 8534.0 | 8653.5 |
| Line 9 | Financial assets | FL154090005 | 118901.7 | 130381.3 | 143865.9 | 129409.5 | 130381.3 | 128913.0 | 134729.3 | 141248.6 | 143865.9 |
| Line 10 | Checkable deposits and currency | FL153020005 | 4424.1 | 4636.3 | 5934.9 | 4474.5 | 4636.3 | 4897.9 | 4915.8 | 4830.2 | 5934.9 |
| Line 11 | Time and savings deposits | FL153030005 | 9836.3 | 9802.1 | 9208.9 | 9742.7 | 9802.1 | 9833.6 | 9832.8 | 9949.8 | 9208.9 |
| Line 12 | Other deposits | LM153030505 | 50.8 | 56.6 | 68.3 | 57.5 | 56.6 | 58.5 | 61.3 | 66.3 | 68.3 |
| Line 13 | Money market fund shares | FL153034005 | 4029.5 | 4709.2 | 5320.6 | 4397.7 | 4709.2 | 4797.4 | 4849.4 | 5038.0 | 5320.6 |
| Line 14 | Debt securities | LM154022005 | 5556.9 | 5812.9 | 6147.4 | 5888.8 | 5812.9 | 5811.9 | 6002.6 | 6051.6 | 6147.4 |
| Line 15 | Treasury securities | LM153061105 | 2515.4 | 2626.3 | 2944.6 | 2737.2 | 2626.3 | 2731.0 | 2875.7 | 2889.5 | 2944.6 |
| Line 16 | Agency- and GSE-backed securities | LM153061705 | 972.7 | 1050.4 | 948.1 | 976.0 | 1050.4 | 947.7 | 957.0 | 926.5 | 948.1 |
| Line 17 | Municipal securities | LM153062005 | 1869.8 | 1941.1 | 2060.7 | 1977.8 | 1941.1 | 1938.2 | 1975.2 | 2040.7 | 2060.7 |
| Line 18 | Corporate and foreign bonds | LM153063005 | 199.0 | 195.0 | 194.0 | 197.8 | 195.0 | 195.0 | 194.8 | 194.8 | 194.0 |
| Line 19 | Loans | FL154023005 | 1355.9 | 1201.2 | 1245.7 | 1428.0 | 1201.2 | 1249.2 | 1245.0 | 1256.4 | 1245.7 |
| Line 20 | Other loans and advances4 | FL153069005 | 1263.4 | 1115.4 | 1168.9 | 1341.6 | 1115.4 | 1165.1 | 1162.3 | 1176.0 | 1168.9 |
| Line 21 | Mortgages | FL153065005 | 73.9 | 70.4 | 64.5 | 71.5 | 70.4 | 69.1 | 68.0 | 66.0 | 64.5 |
| Line 22 | Consumer credit (student loans)5 | FL163066223 | 18.6 | 15.4 | 12.4 | 14.9 | 15.4 | 15.1 | 14.7 | 14.4 | 12.4 |
| Line 23 | Corporate equities | LM153064105 | 32247.7 | 39055.0 | 47185.8 | 38333.2 | 39055.0 | 37751.1 | 41264.5 | 45740.4 | 47185.8 |
| Line 24 | Miscellaneous other equity | LM153081115 | 15593.4 | 15837.1 | 16001.1 | 15734.4 | 15837.1 | 15772.4 | 15752.1 | 16015.8 | 16001.1 |
| Line 25 | Mutual fund shares | LM153064205 | 11084.3 | 12328.8 | 13680.2 | 12543.0 | 12328.8 | 12056.5 | 12994.3 | 13598.4 | 13680.2 |
| Line 26 | Life insurance reserves | FL153040005 | 2060.5 | 2161.9 | 2201.2 | 2150.8 | 2161.9 | 2135.8 | 2169.5 | 2192.9 | 2201.2 |
| Line 27 | Pension entitlements6 | FL153050005 | 30632.1 | 32620.7 | 34591.6 | 32535.3 | 32620.7 | 32359.6 | 33425.5 | 34268.6 | 34591.6 |
| Line 28 | Trade receivables5 | FL163070005 | 414.5 | 451.0 | 487.1 | 441.9 | 451.0 | 460.1 | 469.1 | 478.1 | 487.1 |
| Line 29 | Miscellaneous assets | FL153090005 | 1615.6 | 1708.5 | 1793.1 | 1681.7 | 1708.5 | 1729.1 | 1747.5 | 1762.0 | 1793.1 |
| Line 30 | Liabilities | FL154190005 | 20492.9 | 20845.2 | 21507.7 | 20895.9 | 20845.2 | 20860.8 | 21031.9 | 21269.3 | 21507.7 |
| Line 31 | Debt securities (municipal securities)5 | FL163162003 | 207.9 | 216.3 | 232.5 | 215.7 | 216.3 | 218.3 | 224.5 | 227.8 | 232.5 |
| Line 32 | Loans | FL154123005 | 19748.8 | 20074.6 | 20702.1 | 20130.5 | 20074.6 | 20080.9 | 20242.0 | 20474.6 | 20702.1 |
| Line 33 | One-to-four-family residential mortgages7 | FL153165105 | 13017.1 | 13381.2 | 13767.1 | 13270.2 | 13381.2 | 13433.8 | 13550.6 | 13667.8 | 13767.1 |
| Line 34 | Consumer credit | FL153166000 | 4988.2 | 4948.1 | 5106.6 | 5027.8 | 4948.1 | 4963.4 | 4996.3 | 5042.3 | 5106.6 |
| Line 35 | Depository institution loans n.e.c. | FL153168005 | 475.3 | 347.5 | 234.7 | 478.9 | 347.5 | 277.7 | 238.8 | 233.7 | 234.7 |
| Line 36 | Other loans and advances | FL153169005 | 737.9 | 849.1 | 1004.3 | 806.5 | 849.1 | 851.8 | 892.3 | 953.0 | 1004.3 |
| Line 37 | Commercial mortgages5 | FL163165505 | 530.3 | 548.8 | 589.3 | 547.1 | 548.8 | 554.3 | 564.1 | 577.8 | 589.3 |
| Line 38 | Trade payables5 | FL163170005 | 496.9 | 514.8 | 532.0 | 510.3 | 514.8 | 519.1 | 523.4 | 527.7 | 532.0 |
| Line 39 | Deferred and unpaid life insurance premiums | FL543077073 | 39.4 | 39.5 | 41.1 | 39.4 | 39.5 | 42.4 | 42.0 | 39.2 | 41.1 |
| Line 40 | Net worth (assets minus liabilities) | FL152090005 | 156080.7 | 169619.2 | 184105.6 | 168846.9 | 169619.2 | 168759.5 | 175697.6 | 181932.6 | 184105.6 |
| Memo: | |||||||||||
| Line 41 | Assets held in IRAs8 | FL893131573 | 15000.0 | 17000.0 | 17030.0 | 17000.0 | 16784.0 | 17960.0 | 18894.0 | ||
| Line 42 | Assets held in 529 college plans8 | FL154023205 | 471.2 | 525.1 | 602.9 | 527.6 | 525.1 | 525.1 | 567.8 | 588.0 | 602.9 |
| Line 43 | College savings plans | LM154023223 | 446.6 | 500.6 | 576.7 | 502.0 | 500.6 | 500.4 | 542.4 | 561.9 | 576.7 |
| Line 44 | Prepaid tuition plans | FL154023213 | 24.6 | 24.5 | 26.3 | 25.6 | 24.5 | 24.7 | 25.4 | 26.1 | 26.3 |
| Replacement-cost value of structures: | |||||||||||
| Line 45 | Residential | LM155012605 | 27411.5 | 28339.5 | 29414.0 | 28122.3 | 28339.5 | 28711.8 | 28933.3 | 29263.6 | 29414.0 |
| Line 46 | Households | LM155012665 | 26996.2 | 27911.3 | 28972.7 | 27697.3 | 27911.3 | 28278.8 | 28497.7 | 28823.8 | 28972.7 |
| Line 47 | Nonprofit organizations | LM165012665 | 415.4 | 428.1 | 441.3 | 425.0 | 428.1 | 433.0 | 435.6 | 439.8 | 441.3 |
| Line 48 | Nonresidential (nonprofits) | LM165013665 | 2884.0 | 2966.1 | 3064.2 | 2942.3 | 2966.1 | 2982.8 | 2983.1 | 3015.9 | 3064.2 |
| Line 49 | Disposable personal income (DPI) (SAAR) | FA156012005 | 20749.3 | 21917.7 | 22882.4 | 22002.6 | 22249.5 | 22563.7 | 22786.6 | 23001.2 | 23178.2 |
| Line 50 | Net worth/DPI (percent) (line 40/line 49) | FL152090006 | 752.2 | 773.9 | 804.6 | 767.4 | 762.4 | 747.9 | 771.1 | 791.0 | 794.3 |
| Line 51 | Owners' equity in real estate (line 4 less line 33) | FL155035065 | 31779.5 | 33547.1 | 34148.5 | 34045.3 | 33547.1 | 34056.8 | 35087.4 | 34602.0 | 34148.5 |
| Line 52 | Owners' equity/real estate (percent) (line 51/line 4) | FL155035066 | 70.9 | 71.5 | 71.3 | 72.0 | 71.5 | 71.7 | 72.1 | 71.7 | 71.3 |
Notes:
- Sector includes domestic hedge funds, private equity funds, and personal trusts. Supplementary balance sheet tables B.101.h and B.101.n 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 B.101.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 (table L.218, line 23).
- Included in assets shown on the household balance sheet.
Last Update: 2026-03-19