# Nearly four in ten Norwegians live in a household with interest-bearing consumer debt

> Statistics Norway estimates that Norwegian households held NOK 113 billion in interest-bearing unsecured debt in 2024. Nearly four in ten people belonged to a household with some such debt, but only 5.1% of people—278,700—met SSB’s indicator for burdensome unsecured debt.

- Canonical URL: https://newsverum.com/en/news/norway-interest-bearing-household-consumer-debt-2024
- Publisher: Newsverum
- Section: Finance
- Country: Norway
- Published: 2026-10-16T08:19:51+00:00
- Updated: 2026-10-16T08:19:51+00:00
- Event / data period: 2024
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The indicator requires household interest-bearing unsecured debt of at least 25% of gross household income and at least NOK 3,000. SSB excludes people in student households from these person-level analyses. It is a measure of debt relative to household income, not a default, missed-payment or insolvency rate.

## Data

### Statistics reported by the source

SSB reports the 2024 total of interest-bearing unsecured household debt and an indicator for debt that is burdensome relative to income.

Methodology: Debt figures come from the Norwegian Debt Registry at year-end. “Burdensome” means at least 25% of gross household income and at least NOK 3,000; people in student households are omitted from person-level analyses. This is not a default indicator.

| label | value | unit | period | basis | value_qualifier |
|---|---|---|---|---|---|
| Total household interest-bearing unsecured debt | 113 | billion NOK | 2024 | observed | exact |
| People meeting the burdensome unsecured-debt indicator | 5.1 | percent | 2024 | observed | exact |
| People meeting the burdensome unsecured-debt indicator | 278700 | people | 2024 | observed | exact |

Sources: <https://www.ssb.no/inntekt-og-forbruk/inntekt-og-formue/artikler/4-av-10-har-rentebaerende-forbruksgjeld> · Download data: [JSON](https://newsverum.com/api/v1/articles/norway-interest-bearing-household-consumer-debt-2024/data/reported-statistics?lang=en&format=json) · [CSV](https://newsverum.com/api/v1/articles/norway-interest-bearing-household-consumer-debt-2024/data/reported-statistics?lang=en&format=csv)

## Sources

- [Statistics Norway (SSB)](<https://www.ssb.no/inntekt-og-forbruk/inntekt-og-formue/artikler/4-av-10-har-rentebaerende-forbruksgjeld>) (Source checked: 2026-10-16; Published: 2026-10-16)

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