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Assets
Financial Assets$61.8T
Stocks & Equities$47.2T
21% of households
Cash & Deposits$9.6T
99% of households
Bonds & Fixed Income$6.2T
1% of households
Retirement & Tax-Adv.$77.8T
Retirement Accounts$48.1T
54% of households
IRAs$18.9T
31% of households
401(k) Plans$10.0T
50% of households
529 Plans$603B
13% of households
HSAs$159B
27% of households
Real Assets$87.1T
Real Estate$48.0T
66% of households
Commercial Real Estate$22.5T
6% of households
Residential Rentals$10.3T
13% of households
Farms$3.6T
1.5% of households
Vehicles$2.4T
87% of households
Mineral Rights$314B
9% of households
Business & Insurance$20.1T
Private Business$16.0T
15% of households
Life Insurance$2.2T
16% of households
RSUs & Equity Comp$2.1T
8% of households
Total Assets $181.6T
Ownership %: Federal Reserve SCF, 2022
Liabilities
Housing Debt$14.8T
Mortgages$13.77T
42% of households
HELOCs$434B
4% of households
HELOANs$562B
~3% of households
Consumer Credit$3.6T
Vehicle Loans$1.67T
35% of households
Credit Cards$1.33T
45% of households
Personal Loans$276B
19% of households
Vehicle Leases$209B
~10% of households
BNPL Debt$70B
~17% of households
Education & Health$2.1T
Student Loans$1.66T
22% of households
Medical Debt$194B
~14% of households
Deferred Medical$200B
~36% of households
Other Debt$2.2T
Margin Loans & SBLOCs$1.23T
~4% of households
Personal Guarantees$840B
~6% of households
Insurance Policy Loans$151B
~5% of households
Total Liabilities $20.9T
Holding %: Federal Reserve SCF 2022 & agency estimates
Net Worth
Overview By Percentile By Age
Cash Flow
Income Spending Taxes Debt Service Savings
Households
Overview By Age By Generation
Home / Liabilities / HELOCs

HELOCs

Time series data on U.S. home equity lines of credit, balances, credit limits, number of accounts, average line size, and utilization rate.

HELOC credit limits topped $1T in Q4 2025 as homeowners tap record equity
Data View Commentary →
HELOC Balances
$434B Q4 2025
Source: NY Fed Consumer Credit Panel / Equifax · HE Revolving Balance
Total HELOC Limits
$1.03T Q4 2025
Source: NY Fed Consumer Credit Panel / Equifax · HE Revolving Limit
Number of HELOC Accounts
13.2M Q4 2025
Source: NY Fed Consumer Credit Panel / Equifax · Q4 2025
Average HELOC Line Size (Total Credit Limit)
$78,393 Q4 2025
Source: NY Fed Consumer Credit Panel / Equifax · Calculated: Total HE Revolving Limit ÷ Number of Accounts
HELOC Utilization Rate
42.0% Q4 2025
Source: NY Fed Consumer Credit Panel / Equifax · Calculated: HE Revolving Balance ÷ HE Revolving Limit

Key HELOC Metrics

Data and supplemental research on U.S. home equity lines of credit.

Metric Value As Of Source
HELOC Balances $434 Billion Q4 2025 NY Fed / Equifax
Total HELOC Limits $1.03 Trillion Q4 2025 NY Fed / Equifax
Number of HELOC Accounts 13.2 Million Q4 2025 NY Fed / Equifax
Average HELOC Line Size $78,393 Q4 2025 NY Fed / Equifax
HELOC Utilization Rate 42.0% Q4 2025 NY Fed / Equifax
View Commentary →