Household credit market debt to disposable income, Canada
Household credit market debt to disposable income was 176.37% in Q2 2026, down 2.18 pp from Q1 2026 and down 0.97 pp from a year earlier. The figure is published by Statistics Canada in Table 38-10-0238-01. The series starts in Q1 2006 and has 82 observations. Source: Statistics Canada.
- On the previous reading (Q1 2026): down 2.18 pp, to 176.37%
- On a year earlier (Q2 2025): down 0.97 pp
- Against the five-year average of 180.86%: below
Sparklines: the last ten years; the amber dot marks the reading in the tile. Source: Statistics Canada, table 38-10-0238-01, 2026-06-30. Reproduced and distributed on an "as is" basis with the permission of Statistics Canada. For our calculations: Adapted from Statistics Canada, table 38-10-0238-01, 2026-06-30. This does not constitute an endorsement by Statistics Canada of this product.
Overview
Over the last five years the series ranged from 174.13% (Q3 2024) to 188.22% (Q3 2022). Since Q1 2006 the full range is 137.02% (Q1 2006) to 188.22% (Q3 2022).
Key facts
| Reading | Period | Value |
|---|---|---|
| Latest | Q2 2026 | 176.37% |
| Previous | Q1 2026 | 178.55% |
| A year earlier | Q2 2025 | 177.34% |
| Five-year high | Q3 2022 | 188.22% |
| Five-year low | Q3 2024 | 174.13% |
| First observation | Q1 2006 | 137.02% |
Unit: percent. Source: Statistics Canada, table 38-10-0238-01, 2026-06-30. Reproduced and distributed on an "as is" basis with the permission of Statistics Canada. For our calculations: Adapted from Statistics Canada, table 38-10-0238-01, 2026-06-30. This does not constitute an endorsement by Statistics Canada of this product.
How has it moved since Q1 2006?
Full history
- Household credit market debt to disposable income 176%
Last five years
- Household credit market debt to disposable income 176%
Latest readings
| Period | Value | Change from previous |
|---|---|---|
| Q3 2024 | 174.13% | -2.64 pp |
| Q4 2024 | 174.78% | +0.65 pp |
| Q1 2025 | 175.35% | +0.57 pp |
| Q2 2025 | 177.34% | +1.99 pp |
| Q3 2025 | 177.95% | +0.61 pp |
| Q4 2025 | 178.69% | +0.74 pp |
| Q1 2026 | 178.55% | -0.14 pp |
| Q2 2026 | 176.37% | -2.18 pp |
How does the latest reading compare?
The latest reading of 176.37% in Q2 2026 is below its five-year average of 180.86% and below its ten-year average of 181.35%. It is higher than 57% of all 82 readings since Q1 2006. It has fallen for 2 readings in a row up to Q2 2026. Over the last 12 readings, from Q3 2023 to Q2 2026, it averaged 177.52%, with a high of 180.69% in Q3 2023 and a low of 174.13% in Q3 2024. In the last ten years the largest rise from one reading to the next was in Q3 2020, to 175.87% from 166.23% in Q2 2020, and the largest fall was in Q2 2020, to 166.23% from 182.39% in Q1 2020.
Among the last 9 complete years, the average was highest in 2022, at 186.65%, and lowest in 2020, at 176.16%.
Year by year
| Year | Average | Low | High | Last reading | Readings |
|---|---|---|---|---|---|
| 2026 | 177.46% | 176.37% | 178.55% | 176.37% Q2 2026 | 2 |
| 2025 | 177.33% | 175.35% | 178.69% | 178.69% Q4 2025 | 4 |
| 2024 | 176.33% | 174.13% | 179.66% | 174.78% Q4 2024 | 4 |
| 2023 | 182.64% | 179.93% | 186.13% | 179.93% Q4 2023 | 4 |
| 2022 | 186.65% | 183.86% | 188.22% | 183.86% Q4 2022 | 4 |
| 2021 | 181.76% | 175.84% | 187.85% | 187.85% Q4 2021 | 4 |
| 2020 | 176.16% | 166.23% | 182.39% | 180.16% Q4 2020 | 4 |
| 2019 | 184.22% | 182.90% | 185.87% | 182.90% Q4 2019 | 4 |
| 2018 | 185.52% | 184.21% | 186.72% | 185.26% Q4 2018 | 4 |
| 2017 | 183.10% | 181.95% | 184.55% | 182.07% Q4 2017 | 4 |
Averages, lows and highs are calculated by EconoMonitor from the published readings. Source: Statistics Canada, table 38-10-0238-01, 2026-06-30. Reproduced and distributed on an "as is" basis with the permission of Statistics Canada. For our calculations: Adapted from Statistics Canada, table 38-10-0238-01, 2026-06-30. This does not constitute an endorsement by Statistics Canada of this product.
How is it measured?
Household sector credit market debt as a percent of household disposable income.
Household credit market debt to disposable income is published quarterly by Statistics Canada in its Table 38-10-0238-01 release. It is measured in percent and is seasonally adjusted. EconoMonitor holds all 82 readings since Q1 2006 under the publisher's code 38100238:1.11, keeps earlier values when the publisher revises them, and compares each release with the downloaded file before it is shown.
- Frequency: quarterly; seasonal adjustment: SA.
- Unit: percent.
- Release: Table 38-10-0238-01, published by Statistics Canada.
- Source series code: 38100238:1.11.
- Methodology: how EconoMonitor stores and checks this series.
Questions and sources
What is the latest reading of Household credit market debt to disposable income?
176.37% in Q2 2026, as published by Statistics Canada.
How often is it updated?
Quarterly, with each Table 38-10-0238-01 release. EconoMonitor reloads the series after each release and keeps earlier values when the publisher revises them.
Where can I check it?
At the publisher: Statistics Canada Web Data Service, series code 38100238:1.11.
Source: Statistics Canada, table 38-10-0238-01, 2026-06-30. Reproduced and distributed on an "as is" basis with the permission of Statistics Canada. For our calculations: Adapted from Statistics Canada, table 38-10-0238-01, 2026-06-30. This does not constitute an endorsement by Statistics Canada of this product. Checks for this release: Check A passed, Check B passed.
Data and analysis only, not financial advice. Data publishers do not endorse EconoMonitor. See the disclaimer and methodology.