Arrears on mortgage or rent payments by country
Countries reporting
47
Highest
10.6%
Greece
Lowest
0.3%
Croatia
Median
2.0%
Years covered
23
2003–2025
Data points
1,011
What the numbers show
Arrears on mortgage or rent payments is currently reported for 47 countries. The highest value is 10.6% in Greece; the lowest is 0.3% in Croatia.
The median across all reporting countries is 2.0%, and the mean is 2.5%.
The gap between the highest and lowest reporting country is a factor of about 35.
Over the past decade 8 countries rose and 36 fell. The largest increase was in Sweden (up 75.0%), and the largest decrease in Hungary (down 88.3%).
Arrears on mortgage or rent payments: full country ranking
| # | Country | Latest | Year | 10-year change | Trend |
|---|---|---|---|---|---|
| 1 | Greece | 10.6% | 2025 | down 25.9% | rising |
| 2 | Ireland | 5.3% | 2025 | down 45.4% | flat |
| 3 | Spain | 5.2% | 2025 | down 16.1% | rising |
| 4 | Finland | 5.0% | 2025 | up 8.7% | flat |
| 5 | United Kingdom | 4.9% | 2018 | up 32.4% | flat |
| 5 | Iceland | 4.9% | 2020 | down 56.2% | falling |
| 5 | United Kingdom | 4.9% | 2018 | up 32.4% | flat |
| 5 | France | 4.9% | 2025 | down 12.5% | falling |
| 9 | Türkiye | 4.5% | 2025 | down 57.9% | falling |
| 9 | Austria | 4.5% | 2025 | up 32.4% | rising |
| 9 | Cyprus | 4.5% | 2025 | down 43.8% | falling |
| 12 | Sweden | 4.2% | 2025 | up 75.0% | falling |
| 13 | Euro area (EA11-1999, EA12-2001, EA13-2007, EA15-2008, EA16-2009, EA17-2011, EA18-2014, EA19-2015, EA20-2023, EA21-2026) | 3.9% | 2021 | down 13.3% | falling |
| 14 | Norway | 3.2% | 2025 | up 14.3% | falling |
| 15 | European Union (EU6-1958, EU9-1973, EU10-1981, EU12-1986, EU15-1995, EU25-2004, EU27-2007, EU28-2013, EU27-2020) | 3.0% | 2019 | down 26.8% | falling |
| 16 | Germany | 2.2% | 2025 | unchanged | falling |
| 16 | Luxembourg | 2.2% | 2025 | down 31.2% | rising |
| 18 | Slovakia | 2.1% | 2025 | down 46.2% | falling |
| 18 | Switzerland | 2.1% | 2024 | down 25.0% | falling |
| 18 | Estonia | 2.1% | 2025 | up 5.0% | falling |
| 18 | Slovakia | 2.1% | 2025 | down 46.2% | falling |
| 18 | Estonia | 2.1% | 2025 | up 5.0% | falling |
| 23 | Netherlands | 2.0% | 2025 | down 45.9% | falling |
| 23 | Netherlands | 2.0% | 2025 | down 45.9% | falling |
| 23 | Czechia | 2.0% | 2025 | down 25.9% | falling |
| 23 | Italy | 2.0% | 2025 | down 63.0% | falling |
| 27 | Portugal | 1.9% | 2025 | down 56.8% | falling |
| 27 | Denmark | 1.9% | 2025 | down 24.0% | rising |
| 29 | Belgium | 1.8% | 2025 | down 41.9% | falling |
| 29 | Malta | 1.8% | 2025 | down 25.0% | rising |
| 31 | Latvia | 1.6% | 2025 | down 61.0% | falling |
| 31 | Latvia | 1.6% | 2025 | down 61.0% | falling |
| 33 | Slovenia | 1.2% | 2025 | down 70.0% | falling |
| 33 | Slovenia | 1.2% | 2025 | down 70.0% | falling |
| 35 | Albania | 1.0% | 2023 | unchanged | falling |
| 36 | Bulgaria | 0.8% | 2025 | down 57.9% | falling |
| 36 | Lithuania | 0.8% | 2025 | down 52.9% | flat |
| 36 | Lithuania | 0.8% | 2025 | down 52.9% | flat |
| 39 | Hungary | 0.7% | 2025 | down 88.3% | volatile |
| 40 | Poland | 0.6% | 2025 | down 45.5% | falling |
| 40 | Montenegro | 0.6% | 2024 | down 71.4% | volatile |
| 40 | Poland | 0.6% | 2025 | down 45.5% | falling |
| 43 | Romania | 0.5% | 2025 | unchanged | falling |
| 43 | North Macedonia | 0.5% | 2024 | down 37.5% | volatile |
| 45 | Serbia | 0.4% | 2025 | down 75.0% | falling |
| 46 | Croatia | 0.3% | 2025 | down 81.2% | falling |
| 46 | Croatia | 0.3% | 2025 | down 81.2% | falling |
Regions and income groups
Aggregates are excluded from the country ranking above so that a region can never outrank a country.
- Euro area - 18 countries (2014) 3.9%
- Euro area - 19 countries (2015-2022) 3.9%
- Euro area – 21 countries (from 2026) 3.4%
- Euro area – 20 countries (2023-2025) 3.4%
- European Union - 27 countries (from 2020) 3.0%
- European Union - 28 countries (2013-2020) 3.0%
- European Union - 27 countries (2007-2013) 3.0%