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How Much Is the Average Married Couple in Debt? Exploring the Statistics and Figures

Updated: Jul 27

How Much Is the Average Married Couple in Debt?

Discover the average amount of debt carried by married couples in the United States. This blog post provides insightful statistics and figures that shed light on the financial situation of married couples. Learn more at

How Much Is the Average Married Couple in Debt?

Debt is a financial burden that affects many individuals and households across the United States. For married couples, managing debt can be particularly challenging as it requires careful financial planning and communication. In this blog post, we will delve into the topic of how much debt the average married couple carries. By examining the latest statistics and figures, we can gain valuable insights into the financial landscape of married couples in America.

Average Debt of Married Couples

According to recent studies, the average debt held by married couples varies based on different factors such as age, income level, and location. The Federal Reserve's Survey of Consumer Finances provides valuable data on household debt in the United States. In the most recent survey conducted in 2020, it was found that the median debt of married couples was $69,000.

Breakdown of Debt Categories

To better understand the composition of the debt carried by married couples, it is essential to examine the various categories. The most common types of debt include mortgage loans, student loans, credit card debt, and auto loans.

  1. Mortgage Loans: Mortgages are often the largest component of married couples' debt. According to the same survey, approximately 44% of married couples have mortgage debt. The median amount owed on mortgage loans by married couples is $172,000.

  2. Student Loans: Student loan debt has been a growing concern in recent years. Among married couples, around 32% have student loan debt. The median student loan debt for married couples is approximately $30,000.

  3. Credit Card Debt: Credit card debt is another significant contributor to the overall debt of married couples. The survey reveals that roughly 62% of married couples have credit card debt, with a median amount of $3,800.

  4. Auto Loans: Many married couples rely on auto loans to finance their vehicles. Around 35% of married couples carry auto loan debt, with a median balance of $17,000.

Understanding the average amount of debt carried by married couples provides valuable insights into their financial well-being. From the statistics and figures discussed above, it is evident that debt is a common aspect of many married couples' lives. By acknowledging and addressing their debt, couples can work towards achieving financial stability and improving their overall quality of life.

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