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Household Finance Consumption Network
- 16 June 2026
- STATISTICS PAPER SERIES - No. 53Details
- Abstract
- This report summarises the stylised facts from the 2023 wave of the Eurosystem Household Finance and Consumption Survey, which provides household-level data collected in a harmonised way in 20 euro area countries, as well as in the Czech Republic and Hungary, for a sample of almost 90,000 households. When compared with previous waves, the 2023 results are strongly affected by the temporary surge in inflation experienced in the euro area between 2021 and 2023. Since asset prices had not caught up with the price level by the time the survey was conducted, the real value of both assets and liabilities decreased for most households. In terms of net wealth, therefore, reductions were more pronounced for asset-rich households, while poorer, more indebted households tended to lose less, and sometimes benefit, from the price level increase. For real gross incomes, due to the slow adjustment of nominal wages, declines were recorded in the lower and middle parts of the distribution, including the median household, while those in the top income decile experienced gains. Expenditures on food were mostly stable in the aggregate, while those on utilities recorded some increase.
- JEL Code
- D12 : Microeconomics→Household Behavior and Family Economics→Consumer Economics: Empirical Analysis
D14 : Microeconomics→Household Behavior and Family Economics→Household Saving; Personal Finance
D31 : Microeconomics→Distribution→Personal Income, Wealth, and Their Distributions - Network
- Household Finance and Consumption Network (HFCN)
- 16 June 2026
- STATISTICS PAPER SERIES - No. 52Details
- Abstract
- This report summarises the methodologies used in the fifth wave of the Eurosystem Household Finance and Consumption Survey, which provides household-level data collected in a harmonised way in the 20 euro area countries at the time of collection, as well as in the Czech Republic and Hungary. The total sample size comprises almost 90,000 households. Although the survey does not refer to the same time period in all countries, the most common reference period for the data is 2023. The report presents the methodologies applied in areas such as data collection, sample design, weighting, imputation and variance estimation. It also addresses statistical disclosure control issues and analyses issues that may have an effect on the comparability of the survey data across countries and waves.
- JEL Code
- D12 : Microeconomics→Household Behavior and Family Economics→Consumer Economics: Empirical Analysis
D14 : Microeconomics→Household Behavior and Family Economics→Household Saving; Personal Finance
D31 : Microeconomics→Distribution→Personal Income, Wealth, and Their Distributions - Network
- Household Finance and Consumption Network (HFCN)
- 20 July 2023
- STATISTICS PAPER SERIES - No. 46Details
- Abstract
- This report summarises the stylized facts from the fourth wave of the Eurosystem Household Finance and Consumption Survey, which provides household-level data collected in a harmonised way in all 19 euro area countries, as well as in the Czech Republic, Croatia and Hungary for a sample of more than 83,000 households. Although the survey does not refer to the same time period in all countries, the most common reference period for the data is 2021. The report presents results on household assets and liabilities, income, and indicators of consumption and credit constraints
- Network
- Household Finance and Consumption Network (HFCN)
- 20 July 2023
- STATISTICS PAPER SERIES - No. 45Details
- Abstract
- This report summarises the methodologies used in the fourth wave of the Eurosystem Household Finance and Consumption Survey, which provides household-level data collected in a harmonised way in all 19 euro area countries, as well as in the Czech Republic, Croatia and Hungary. The total sample size is composed of more than 83,000 households. Although the survey does not refer to the same time period in all countries, the most common reference period for the data is 2021. The report presents the methodologies applied in areas such as data collection, sample design, weighting, imputation, and variance estimation. It also addresses statistical disclosure control issues and analyses issues that may have an effect on the comparability of the survey data across countries and across waves.
- Network
- Household Finance and Consumption Network (HFCN)
- 9 January 2009
- OCCASIONAL PAPER SERIES - No. 100Details
- Abstract
- The first part of this paper provides a brief survey of the recent literature that employs survey data on household finance and consumption. Given the breadth of the topic, it focuses on issues that are particularly relevant for policy, namely: i) wealth effects on consumption, ii) housing prices and household indebtedness, iii) retirement income, consumption and pension reforms, iv) access to credit and credit constraints, v) financial innovation, consumption smoothing and portfolio selection and vi) wealth inequality. The second part uses concrete examples to summarise how results from such surveys feed into policy-making within the central banks that already conduct such surveys.
- JEL Code
- C42 : Mathematical and Quantitative Methods→Econometric and Statistical Methods: Special Topics→Survey Methods
D12 : Microeconomics→Household Behavior and Family Economics→Consumer Economics: Empirical Analysis
D14 : Microeconomics→Household Behavior and Family Economics→Household Saving; Personal Finance - Network
- Eurosystem Monetary Transmission Network