Mortgages account for more than three-quarters of household debt in D.C., while residents collectively carry billions of dollars in credit card balances. In 2025, mortgage debt made up about 76.3% of all household debt in the District. **FILE** New research reveals mortgages account for more than three-quarters of household debt in D.C., while Washingtonians collectively carry billions of dollars in credit card balances. Mortgage balances accounted for $13.19 trillion, while credit card balances stood at $1.25 trillion. Applications for home equity loans and home equity lines of credit increased 7.2% in 2024, while total outstanding home equity debt increased 10.3%.