Financial Accounts of the United States - Z.1
B.101.h Balance sheet of households1
Billions of dollars; amounts outstanding end of period, not seasonally adjusted
| Line | Description | Series | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Line 1 | Assets | FL192000005 | 112400.9 | 112836.9 | 124411.4 | 139073.0 | 160743.8 | 154102.9 | 166890.8 | 180474.6 | 195209.9 |
| Line 2 | Nonfinancial assets | LM192010005 | 32014.2 | 33222.4 | 34243.2 | 38309.4 | 46183.9 | 49595.2 | 52653.1 | 55039.5 | 56569.2 |
| Line 3 | Real estate2 | LM155035015 | 26746.5 | 27750.8 | 28571.8 | 32287.1 | 39188.0 | 41955.9 | 44796.5 | 46928.3 | 47915.6 |
| Line 4 | Consumer durable goods3 | LM155111005 | 5267.6 | 5471.6 | 5671.3 | 6022.3 | 6996.0 | 7639.3 | 7856.6 | 8111.2 | 8653.5 |
| Line 5 | Financial assets | FL194090005 | 80386.8 | 79614.5 | 90168.2 | 100763.6 | 114559.9 | 104507.8 | 114237.7 | 125435.1 | 138640.8 |
| Line 6 | Checkable deposits and currency | FL193020005 | 1170.9 | 999.7 | 978.4 | 2907.9 | 3848.3 | 4285.3 | 4116.7 | 4318.1 | 5606.6 |
| Line 7 | Time deposits and short-term investments | FL193030205 | 8593.4 | 9027.3 | 9544.9 | 9982.0 | 10730.9 | 9974.1 | 9507.9 | 9494.6 | 8921.1 |
| Line 8 | Money market fund shares | FL193034005 | 1566.0 | 1729.7 | 2157.9 | 2555.6 | 2657.7 | 2922.8 | 3847.7 | 4492.0 | 5075.1 |
| Line 9 | Debt securities | LM194022005 | 3030.7 | 3658.9 | 4028.1 | 3431.3 | 2445.6 | 4208.1 | 5263.5 | 5533.4 | 5877.9 |
| Line 10 | U.S. government and municipal securities | LM193061005 | 3030.7 | 3658.9 | 4028.1 | 3431.3 | 2445.3 | 4208.1 | 5263.5 | 5533.4 | 5877.9 |
| Line 11 | Corporate and foreign bonds | LM193063005 | 0.0 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 0.0 |
| Line 12 | Loans | FL194023005 | 1003.2 | 959.6 | 981.2 | 1093.3 | 1190.0 | 1143.0 | 1078.5 | 898.9 | 899.2 |
| Line 13 | Other loans and advances4 | FL193069005 | 915.7 | 878.2 | 902.6 | 1016.5 | 1107.3 | 1069.7 | 1006.1 | 830.0 | 836.3 |
| Line 14 | Mortgages | FL193065005 | 87.5 | 81.4 | 78.6 | 76.8 | 82.7 | 73.3 | 72.4 | 68.8 | 62.9 |
| Line 15 | Corporate equities and mutual fund shares | LM193064005 | 25195.2 | 23078.6 | 29255.1 | 34738.2 | 43292.6 | 34192.3 | 40521.9 | 48370.0 | 57673.8 |
| Line 16 | Miscellaneous other equity6 | LM153081115 | 10972.5 | 11346.5 | 12064.4 | 13012.2 | 15351.5 | 15956.4 | 15593.4 | 15837.1 | 16001.1 |
| Line 17 | Life insurance reserves | FL153040005 | 1678.6 | 1709.9 | 1786.2 | 1921.8 | 2000.3 | 1987.1 | 2060.5 | 2161.9 | 2201.2 |
| Line 18 | Pension entitlements5 | FL153050005 | 25974.7 | 25850.5 | 28075.5 | 29779.4 | 31623.6 | 28313.4 | 30632.1 | 32620.7 | 34591.6 |
| Line 19 | Miscellaneous assets | FL193090005 | 1201.5 | 1253.8 | 1296.5 | 1341.9 | 1419.3 | 1525.3 | 1615.6 | 1708.5 | 1793.1 |
| Line 20 | Liabilities | FL194190005 | 14514.0 | 14992.3 | 15449.7 | 15957.4 | 17505.5 | 18616.3 | 19100.7 | 19387.6 | 19955.1 |
| Line 21 | Loans | FL194123005 | 14480.5 | 14957.0 | 15412.8 | 15920.5 | 17467.1 | 18579.3 | 19061.3 | 19348.0 | 19914.0 |
| Line 22 | One-to-four-family residential mortgages7 | FL153165105 | 9852.3 | 10121.6 | 10391.3 | 10783.2 | 11814.5 | 12654.1 | 13017.1 | 13381.2 | 13767.1 |
| Line 23 | Consumer credit | FL153166000 | 3830.8 | 4007.0 | 4192.2 | 4149.0 | 4512.7 | 4858.4 | 4988.2 | 4948.1 | 5106.6 |
| 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 | 35.9 |
| Line 25 | Other loans and advances | FL193169005 | 571.8 | 558.0 | 575.1 | 716.6 | 827.5 | 707.3 | 737.9 | 849.1 | 1004.3 |
| 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 | 41.1 |
| Line 27 | Net worth | FL192090005 | 97887.0 | 97844.6 | 108961.7 | 123115.6 | 143238.3 | 135486.7 | 147790.1 | 161087.0 | 175254.8 |
| Reconciliation with household and nonprofit organization sector net worth8 | |||||||||||
| Line 28 | Household and nonprofit net worth (B.101, line 40) | FL152090005 | 104029.9 | 103966.0 | 115671.1 | 130666.7 | 151638.1 | 143747.5 | 156080.7 | 169619.2 | 184105.6 |
| Line 29 | Household and nonprofit total assets (B.101, line 1) | FL152000005 | 119450.4 | 119863.0 | 132199.4 | 147759.1 | 170346.6 | 163679.2 | 176573.6 | 190464.4 | 205613.3 |
| Line 30 | Household total assets (B.101.h, line 1) | FL192000005 | 112400.9 | 112836.9 | 124411.4 | 139073.0 | 160743.8 | 154102.9 | 166890.8 | 180474.6 | 195209.9 |
| Line 31 | Nonprofit total assets (B.101.n, line 1) | FL162000005 | 8736.0 | 8651.0 | 9640.7 | 10916.1 | 12155.3 | 12347.3 | 12734.1 | 13283.2 | 13916.7 |
| Line 32 | Less: Nonprofit misc. assets (B.101.n, 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 loans9 | FL153069803 | 100.2 | 94.8 | 108.5 | 105.6 | 97.0 | 93.4 | 85.3 | 104.8 | 143.0 |
| Line 34 | Less: Household and nonprofit liabilities (B.101, line 30) | FL154190005 | 15420.4 | 15897.0 | 16528.3 | 17092.4 | 18708.5 | 19931.6 | 20492.9 | 20845.2 | 21507.7 |
| Line 35 | Household liabilities (B.101.h, line 20) | FL194190005 | 14514.0 | 14992.3 | 15449.7 | 15957.4 | 17505.5 | 18616.3 | 19100.7 | 19387.6 | 19955.1 |
| Line 36 | Nonprofit liabilities (B.101.n, line 20) | 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 (B.101.n, line 27) | FL163193005 | 885.2 | 874.1 | 971.7 | 1072.2 | 1105.5 | 1160.0 | 1226.4 | 1305.3 | 1358.0 |
Notes:
- Table is based on table B.101 Balance Sheet of Households and Nonprofit Organizations, with adjustments to remove the assets and liabilities of nonprofit organizations, shown on table B.101.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 B.104, line 36), 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 (table L.218, line 23).
- Some financial asset and liability items shown on the supplemental balance sheet of nonprofit organizations (table B.101.n) are not included on the balance sheet of the household and nonprofit organization sector (table B.101). Therefore, some adjustments are necessary to reconcile the combined assets and liabilities of the household sector (table B.101.h) and nonprofit organization sector (table B.101.n) with the household and nonprofit organization sector's (table B.101) in the core Financial Accounts.
- Syndicated loans included in household and nonprofit organizations' other loans and advances (table B.101, line 20) but assumed to be held by domestic hedge funds.
Last Update: 2026-03-19