HELOC Balance Growth

HELOC Balance Growth has risen up $37.6B since Q4 2024 year-over-year HELOC Balance Growth has risen up $37.6B since Q4 2024 over the past year, adding to a pattern of household financial strain. This indicator is part of the ADI's Buffer Depletion component. The composite index reads 64.4 (Elevated). Source: NY Fed Household Debt and Credit Report Data: https://americandefault.org/indicators/heloc-balance-growth/ CSV: https://americandefault.org/api/downloads/heloc-balance-growth.csv Embed: https://americandefault.org/embed/heloc-balance-growth/ Citation (APA): American Default Research. (2026). HELOC Balance Growth [Data set]. American Default Research. https://americandefault.org/indicators/heloc-balance-growth/ Contact: press@americandefault.org

32 of 90 household distress indicators are worsening — HELOC Balance Growth is one of them The American Distress Index reads 64.4 (Elevated), a composite of five statistically derived components tracking U.S. household financial distress. HELOC Balance Growth, part of the Buffer Depletion component, currently reads $433.6B. Homeowners are tapping their equity again — HELOC balances at $434B Source: NY Fed Household Debt and Credit Report Data: https://americandefault.org/indicators/heloc-balance-growth/ CSV: https://americandefault.org/api/downloads/heloc-balance-growth.csv Embed: https://americandefault.org/embed/heloc-balance-growth/ Citation (APA): American Default Research. (2026). HELOC Balance Growth [Data set]. American Default Research. https://americandefault.org/indicators/heloc-balance-growth/ Contact: press@americandefault.org

"HELOC Balance Growth." American Default Research, 2026, https://americandefault.org/indicators/heloc-balance-growth/. Accessed April 17, 2026.

"HELOC Balance Growth." American Default Research, 2026, https://americandefault.org/indicators/heloc-balance-growth/. Accessed April 17, 2026.

American Default Research. "HELOC Balance Growth." American Default Research, 2026. https://americandefault.org/indicators/heloc-balance-growth/.

American Default Research. "HELOC Balance Growth." American Default Research, 2026. https://americandefault.org/indicators/heloc-balance-growth/.

@misc{adi_heloc_balance_growth,
  title = {HELOC Balance Growth},
  author = {{American Default Research}},
  year = {2026},
  url = {https://americandefault.org/indicators/heloc-balance-growth/},
  note = {Data sourced from NY Fed Household Debt and Credit Report}
}

@misc{adi_heloc_balance_growth, title = {HELOC Balance Growth}, author = {{American Default Research}}, year = {2026}, url = {https://americandefault.org/indicators/heloc-balance-growth/}, note = {Data sourced from NY Fed Household Debt and Credit Report} }