Income, consumption, wealth of households: key figures; National Accounts

Income, consumption, wealth of households: key figures; National Accounts

Characteristics of households Periods Total amount Wealth Financial liabilities Home mortgages; closing balance (million euros) Average amount Wealth Financial liabilities Home mortgages; closing balance (1,000 euro) Standardised amount Wealth Financial liabilities Home mortgages; closing balance (1,000 euro)
Total 2023* 851,917 99.0 67.7
Disposable income: 1st 10%-group 2023* 25,383 29.5 22.8
Disposable income: 2nd 10%-group 2023* 16,189 18.8 14.4
Disposable income: 3rd 10%-group 2023* 23,622 27.5 21.2
Disposable income: 4th 10%-group 2023* 39,568 46.0 33.8
Disposable income: 5th 10%-group 2023* 60,250 70.0 49.1
Disposable income: 6th 10%-group 2023* 83,792 97.4 64.8
Disposable income: 7th 10%-group 2023* 108,807 126.4 80.9
Disposable income: 8th 10%-group 2023* 131,959 153.4 95.8
Disposable income: 9th 10%-group 2023* 156,202 181.5 111.2
Disposable income: 10th 10%-group 2023* 206,145 239.6 146.4
Single less 65 year old 2023* 91,342 43.4 45.4
Single 65 and older 2023* 33,677 27.1 28.3
Single with children living at home 2023* 31,853 71.5 45.6
Two adults less than 65 no child at home 2023* 150,876 128.5 89.5
Two adults: 65 or older no child at home 2023* 91,888 69.4 48.4
Two adult hh with one or two children 2023* 302,981 212.1 105.6
Two adult hh with at least 3 children 2023* 74,622 220.7 84.5
Others 2023* 74,678 136.4 55.8
Source of income: mixed income 2023* 90,120 149.8 91.4
Source of income: compensation of employ 2023* 571,228 151.5 96.5
Source of income: old age benefits 2023* 129,036 46.9 37.7
Source of income: property income 2023* 13,745 203.9 139.8
Source of income: other 2023* 47,788 33.9 22.2
Main earner: to 34 years 2023* 109,478 68.2 53.8
Main earner: 35 to 44 years 2023* 198,840 151.6 91.8
Main earner: 45 to 54 years 2023* 226,795 158.3 89.5
Main earner: 55 to 64 years 2023* 179,363 114.2 74.1
Main earner: 65 years or older 2023* 137,441 51.2 40.1
Home ownership: Owner-occupied home 2023* 821,511 174.0 109.3
Home ownership: Rent 2023* 30,406 7.8 6.0
Net worth: 1st 10%-group 2023* 23,434 27.2 23.2
Net worth: 2nd 10%-group 2023* 2,187 2.5 2.0
Net worth: 3rd 10%-group 2023* 8,116 9.4 7.4
Net worth: 4th 10%-group 2023* 38,015 44.2 32.6
Net worth: 5th 10%-group 2023* 99,951 116.2 79.8
Net worth: 6th 10%-group 2023* 126,625 147.2 96.0
Net worth: 7th 10%-group 2023* 130,842 152.1 96.7
Net worth: 8th 10%-group 2023* 131,936 153.3 95.4
Net worth: 9th 10%-group 2023* 134,146 155.9 94.6
Net worth: 10th 10%-group 2023* 156,665 182.1 104.0
Source: CBS.
Explanation of symbols

Table explanation


This table describes the income, consumption, saving and wealth distributions of the sector households in the national accounts across different household groups. Whereas macro-economic aggregates and averages convey merely the general situation, these distributional statistics provide insight into how economic resources and developments are distributed among different segments of the population. The relevance lies in the fact that the economic aggregates or growth of the Household sector may by reflected differently and unevenly when decomposed by different household groups. The Households sector is broken down into groups identified by main source of income, living situation, household composition, age class of the head of the household, income deciles, and net worth deciles.
These statistics are produced through combining microdata on households (among others administrative data and surveys) with the National Accounts aggregates. By adhering to the National Accounts totals, these distributional statistics align to the official macro-economic statistics. To accomplish this alignment, definitional, population-related, and methodological differences between micro- and macro-statistics are analyzed and resolved. Since National Accounts are internationally harmonized in terms of concepts and methodology, these aggregates are comparable across countries. Hence, due to the alignment to National Accounts totals, these distributional statistics have similar international comparability.
The methodology applied is developed in international context within expert groups of the OECD, ECB, and Eurostat, among others the work of the Expert Group on Disparities in a National Accounts framework (EG DNA). This methodology is outlined in the OECD Handbook on the Compilation of Household Distributional Results on Income, Consumption and Saving in Line with National Accounts Totals.

Data available from: 2021.

Status of the figures:
All data are provisional. The macro statistics are final, however the micro data used have varying statuses. The methodology is still under development at the international level.

Changes as of January 29th 2026:
None. This is a new table. Statistics Netherlands has carried out a revision of the national accounts. The Dutch national accounts are recently revised. New statistical sources, methods and concepts are implemented in the national accounts, in order to align the picture of the Dutch economy with all underlying source data and international guidelines for the compilation of the national accounts. This table contains revised data. For further information see section 3.

When will new figures be published?
New figures will be released at T+2 at the latest.

Description topics

Total amount
Wealth
Wealth components are assets, liabilities, and non-financial assets. The sum of these components equals net worth. Up to and including 2010 these data concern the households sector including the non-profit institutions serving households. From 2011 onwards these NPISH are no longer included.
Financial liabilities
Liabilities are debts of households.
Home mortgages; closing balance
Total of the home mortgages at the end of the period. These are long-term loans with as collateral the property itself which is occupied by the private person.

Average amount
Amount per household.
Wealth
Wealth components are assets, liabilities, and non-financial assets. The sum of these components equals net worth.
Financial liabilities
Liabilities are debts of households.
Home mortgages; closing balance
Total of the home mortgages at the end of the period. These are long-term loans with as collateral the property itself which is occupied by the private person.

Standardised amount
Amount per household converted to a single-person household.
Wealth
Wealth components are assets, liabilities, and non-financial assets. The sum of these components equals net worth.
Financial liabilities
Liabilities are debts of households.
Home mortgages; closing balance
Total of the home mortgages at the end of the period. These are long-term loans with as collateral the property itself which is occupied by the private person.