Arrears (mortgage or rent, utility bills or hire purchase) from 2003 onwards by country
Countries reporting
47
Highest
41.8%
Greece
Lowest
3.3%
Czechia
Median
7.8%
Years covered
23
2003–2025
Data points
995
What the numbers show
Arrears (mortgage or rent, utility bills or hire purchase) from 2003 onwards is currently reported for 47 countries. The highest value is 41.8% in Greece; the lowest is 3.3% in Czechia.
The median across all reporting countries is 7.8%, and the mean is 10.1%.
The gap between the highest and lowest reporting country is a factor of about 13.
Over the past decade 11 countries rose and 36 fell. The largest increase was in Luxembourg (up 50.0%), and the largest decrease in Croatia (down 73.2%).
Arrears (mortgage or rent, utility bills or hire purchase) from 2003: full country ranking
| # | Country | Latest | Year | 10-year change | Trend |
|---|---|---|---|---|---|
| 1 | Greece | 41.8% | 2025 | down 15.2% | rising |
| 2 | Albania | 24.2% | 2023 | down 17.7% | falling |
| 3 | North Macedonia | 23.3% | 2024 | down 41.2% | falling |
| 4 | Montenegro | 22.4% | 2024 | down 58.2% | falling |
| 5 | Türkiye | 22.0% | 2025 | down 46.3% | falling |
| 6 | Romania | 18.5% | 2025 | down 5.6% | falling |
| 7 | Bulgaria | 18.2% | 2025 | down 45.8% | falling |
| 8 | Serbia | 17.8% | 2025 | down 52.9% | falling |
| 9 | Spain | 13.2% | 2025 | up 12.8% | rising |
| 10 | Cyprus | 12.0% | 2025 | down 62.0% | falling |
| 11 | Ireland | 11.6% | 2025 | down 38.6% | rising |
| 12 | Finland | 10.7% | 2025 | up 3.9% | falling |
| 13 | France | 10.4% | 2025 | up 16.9% | falling |
| 14 | Switzerland | 9.5% | 2024 | up 11.8% | rising |
| 15 | Euro area (EA11-1999, EA12-2001, EA13-2007, EA15-2008, EA16-2009, EA17-2011, EA18-2014, EA19-2015, EA20-2023, EA21-2026) | 9.3% | 2021 | down 7.0% | falling |
| 16 | United Kingdom | 8.8% | 2018 | up 18.9% | flat |
| 16 | United Kingdom | 8.8% | 2018 | up 18.9% | flat |
| 18 | Hungary | 8.6% | 2025 | down 60.4% | falling |
| 19 | Sweden | 8.5% | 2025 | up 41.7% | falling |
| 20 | European Union (EU6-1958, EU9-1973, EU10-1981, EU12-1986, EU15-1995, EU25-2004, EU27-2007, EU28-2013, EU27-2020) | 8.3% | 2019 | down 28.4% | falling |
| 20 | Iceland | 8.3% | 2020 | down 59.3% | falling |
| 22 | Croatia | 8.0% | 2025 | down 73.2% | falling |
| 22 | Croatia | 8.0% | 2025 | down 73.2% | falling |
| 24 | Luxembourg | 7.8% | 2025 | up 50.0% | rising |
| 25 | Estonia | 7.6% | 2025 | down 18.3% | falling |
| 25 | Estonia | 7.6% | 2025 | down 18.3% | falling |
| 27 | Norway | 7.5% | 2025 | up 29.3% | falling |
| 28 | Slovakia | 7.3% | 2025 | down 2.7% | falling |
| 28 | Slovakia | 7.3% | 2025 | down 2.7% | falling |
| 30 | Austria | 7.2% | 2025 | up 12.5% | rising |
| 31 | Germany | 6.9% | 2025 | up 32.7% | rising |
| 32 | Italy | 6.8% | 2025 | down 54.4% | falling |
| 33 | Latvia | 6.6% | 2025 | down 63.3% | falling |
| 33 | Latvia | 6.6% | 2025 | down 63.3% | falling |
| 35 | Slovenia | 6.3% | 2025 | down 67.2% | falling |
| 35 | Slovenia | 6.3% | 2025 | down 67.2% | falling |
| 37 | Denmark | 6.2% | 2025 | down 1.6% | rising |
| 38 | Malta | 5.6% | 2025 | down 48.6% | falling |
| 39 | Portugal | 5.2% | 2025 | down 49.0% | falling |
| 40 | Belgium | 5.1% | 2025 | down 26.1% | falling |
| 41 | Lithuania | 4.5% | 2025 | down 54.1% | falling |
| 41 | Lithuania | 4.5% | 2025 | down 54.1% | falling |
| 43 | Poland | 3.8% | 2025 | down 65.5% | volatile |
| 43 | Poland | 3.8% | 2025 | down 65.5% | volatile |
| 45 | Netherlands | 3.5% | 2025 | down 38.6% | falling |
| 45 | Netherlands | 3.5% | 2025 | down 38.6% | falling |
| 47 | Czechia | 3.3% | 2025 | down 26.7% | falling |
Regions and income groups
Aggregates are excluded from the country ranking above so that a region can never outrank a country.