The ratio is calculated by dividing the average amount of liabilities per household by the average annual income per household each year.
Average figures include households that reported having no liabilities.
The source defines workers' households as households in which the head of the household works for a company, government office, school, factory, store, etc. Households in which the head of the household is an executive of a company or organization, such as a president, director, or board member, fall under the category of "households other than working or unemployed".
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Debt as a share of income of working multi-person households in Japan 2015-2024
In 2024, the average liabilities of working households comprised of two or more persons in Japan accounted for percent of their annual household income. The figure declined from a decade high reached a year earlier.
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Statistics Bureau of Japan. (May 15, 2025). Liabilities as a percentage of the annual income of working two or more person households in Japan from 2015 to 2024 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 30, 2026, from /statistics/1241847/japan-working-multi-person-households-liabilities-share-annual-income/
Statistics Bureau of Japan. "Liabilities as a percentage of the annual income of working two or more person households in Japan from 2015 to 2024." Chart. May 15, 2025. ÌÇÐÄÆƽâ°æ. Accessed July 30, 2026. /statistics/1241847/japan-working-multi-person-households-liabilities-share-annual-income/
Statistics Bureau of Japan. (2025). Liabilities as a percentage of the annual income of working two or more person households in Japan from 2015 to 2024. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 30, 2026. /statistics/1241847/japan-working-multi-person-households-liabilities-share-annual-income/
Statistics Bureau of Japan. "Liabilities as a Percentage of The Annual Income of Working Two or More Person Households in Japan from 2015 to 2024." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 15 May 2025, /statistics/1241847/japan-working-multi-person-households-liabilities-share-annual-income/
Statistics Bureau of Japan, Liabilities as a percentage of the annual income of working two or more person households in Japan from 2015 to 2024 ÌÇÐÄÆƽâ°æ, /statistics/1241847/japan-working-multi-person-households-liabilities-share-annual-income/ (last visited July 30, 2026)
Liabilities as a percentage of the annual income of working two or more person households in Japan from 2015 to 2024 [Graph], Statistics Bureau of Japan, May 15, 2025. [Online]. Available: /statistics/1241847/japan-working-multi-person-households-liabilities-share-annual-income/
