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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 / Vehicle Leases

Vehicle Leases

Time series data on U.S. vehicle lease balances, household participation, average payments, and lease market share.

Vehicle lease balances hit a record $208B in April 2025 as EV leasing surges
Data View Commentary →
Total Outstanding Vehicle Lease Balances
$208.5B Apr 2025
Source: Federal Reserve, FRED series DTCORVHFNM · Total motor vehicle leases owned and securitized by finance companies, 1980–2025
Households Holding Vehicle Leases
~13.2M 2024
Source: Federal Reserve Survey of Consumer Finances · Experian Automotive · Estimated households with at least one active vehicle lease, 1992–2024
Share of Households Holding Vehicle Leases
~10% 2024
Source: Federal Reserve SCF · Experian · Share of all U.S. households with at least one active vehicle lease, 1992–2024
Average Vehicle Lease Balance
~$15,800 2024
Source: Computed from total lease balances ÷ estimated number of leased vehicles · FRED · Experian · 2000–2024
Average Monthly Lease Payment
$659 2025
Source: Experian State of the Automotive Finance Market · Average new vehicle lease payment, 2015–2025
New Vehicle Acquisition Method
24% leased Q4 2025
Source: Experian State of the Automotive Finance Market · Edmunds · Share of new vehicle registrations by financing method, 2015–2025

Key Data

Summary metrics on U.S. vehicle lease liabilities, total balances, household participation, and payment trends.

Metric Value Period Source
Total outstanding vehicle lease balances$208.5 billionApr 2025Federal Reserve (FRED)
Households holding vehicle leases~13.2 million2024Experian / SCF (est.)
Share of households with a vehicle lease~10%2024Experian / SCF (est.)
Average vehicle lease balance~$15,8002024Computed (total / vehicles)
Average monthly lease payment$6592025Experian
Average monthly loan payment$6822025Experian
Lease share of new vehicles24.4%Q4 2025Experian
Peak lease share of new vehicles~31%2018–2019Experian / Edmunds
Consumers with auto lease tradeline20%2025Experian
All-time high total lease balances$208.5 billionApr 2025Federal Reserve (FRED)
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