Ranked: The World’s Most Indebted Households in 2026

Key Takeaways

• Switzerland has the world’s highest household debt per person at $149,500, more than double U.S. levels.
• Six of the top 10 countries are in Europe, led by Switzerland, Luxembourg, and Norway.
• High household debt often reflects large mortgage markets and expensive housing, rather than financial distress alone.

Household debt varies widely across the world’s advanced economies, shaped largely by housing prices, mortgage systems, and access to credit.

This graphic ranks countries by household debt per capita in 2026, based on data from the Institute of International Finance and the United Nations.

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