US Household Debt Reaches $18.8 Trillion, Auto Loans at $1.68 Trillion

American households ended 2025 with a total debt burden of $18.8 trillion, an increase of $4.6 trillion since the close of 2019. Roughly seventy percent of this debt is tied to housing costs, reflecting higher mortgage balances and related expenses.

Separate data show auto loan debt climbing to $1.68 trillion. The rise is attributed to more expensive vehicles, higher interest rates and lengthened repayment terms, putting additional pressure on consumers’ monthly outlays.