P
Pulsafi

Average Mortgage Debt (2026)

$252,500
Average mortgage balance per US borrower
Summary

The average mortgage balance per US borrower is approximately $252,500 in 2026. Total US mortgage debt is $12.4 trillion across 51 million households. The average monthly mortgage payment (P&I) is $2,387, while average mortgage interest rate sits at 6.875% for 30-year fixed.

Breakdown

Avg mortgage balance$252,500
Total US mortgage debt$12.4T
Households with mortgages51M
Average monthly P&I$2,387
Average 30yr fixed rate6.875%
Source
Federal Reserve Bank of New York· As of 2026-Q1

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All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.