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Income and wealth for households

The statistics provide figures on the level, composition, development and distribution of income and wealth among Norwegian households. They cover all registrated monetary income, both taxable and tax-exempt, as well as wealth and debt. The statistics describe overall trends in income and wealth, as well as their distribution across household types and other population groups.

Updated: 16 January 2026
Next update: Not yet determined
Modified: «Figures for bank deposits and foreign taxable wealth excl. real properties were corrected on 12 February 2026. This also affects other wealth measures

Selected figures from these statistics

  • Indicators of developments in income levels and income and wealth inequality
    Indicators of developments in income levels and income and wealth inequality1
    20232024Percentage change
    2023 - 20242019 - 2024
    Median after-tax income for all households, price-adjusted NOK655 000676 1003.23.8
    Median equivalent income (EU-scale), price-adjusted NOK2 495 400513 5003.76.5
    Share of persons with low income (EU60) (percent)3 10.911.11.8-0.9
    Share of children under 18 years of age with low income (EU60) (percent)3 11.611.4-1.7-8.8
    Income inequality measured by the Gini coefficient4 0.2480.2480.0-0.8
    Income inequality measured by the P90/P10 ratio4 2.82.80.00.0
    Average estimated net wealth for households, not price-adjusted NOK3 742 8003 890 4003.929.9
    Share of total net wealth held by the bottom 50 percent in the wealth distribution (percent)3.63.5-2.894.4
    Share of total net wealth held by the top 1 percent in the wealth distribution (percent)21.821.7-0.5-6.1
    1Persons in student housholds are excluded
    2Equivalent income accounts for differences in household size using consumption weights based on the EU equivalence scale.
    3The low-income threshold is set at 60 percent of median equivalised income.
    4Inequality in equivalised disposable income (EU-scale). The Gini coefficient ranges from 0 (perfect equality) to 1 (maximum inequality). P90/P10 is the ratio between the income level at the 90th percentile (P90) and the income level at the 10th percentile (P10) of the income distribution.
    Explanation of symbols
  • Gini-coefficient by year and population
  • Income account for households after household type. Average and median
    Income account for households after household type. Average and median1
    20242023 - 2024
    Income from work, averageProperty income, averageTransfers received, averageTotal income, averageAfter-tax income, averageAfter-tax income, medianChange in median after-tax income, adjusted for inflation (percent)
    Living alone, person under 30 years413 00012 70056 400482 200372 700363 9003.1
    Living alone, person 30-44 years501 80021 80093 400617 000459 700445 3003.0
    Living alone, person 45-66 years445 70049 000176 000670 700488 100437 0002.9
    Living alone, person 67 years and over36 20060 200409 300505 800407 100362 1003.6
    Couple without resident children, oldest person under 30 years921 40031 30070 8001 023 500789 700774 2003.8
    Couple without resident children, oldest person 30-44 years1 145 10052 700100 8001 298 600964 000936 2003.7
    Couple without resident children, oldest person 45-66 years1 213 200150 400287 2001 650 7001 161 7001 043 8003.5
    Couple without resident children, oldest person 67 years and over191 100148 500766 3001 105 900863 500763 2003.7
    Couple with children, youngest child 0-5 years1 175 50072 900269 4001 517 7001 132 3001 067 7003.8
    Couple with children, youngest child 6-17 years1 535 700116 800188 5001 841 0001 323 6001 211 5003.8
    Couple with children, youngest child 18 years and older1 562 300158 400329 6002 050 4001 483 0001 372 7003.8
    Mother/father with children, youngest child 0-5 years334 80018 300295 600648 700525 800506 6004.2
    Mother/father with children, youngest child 6-17 years563 40040 100226 700830 200641 100586 4004.6
    Mother/father with children, youngest child 18 years and older729 90063 100288 3001 081 400822 000762 0003.8
    Two or more-familiy households942 20077 200408 1001 427 5001 094 800994 9002.7
    1Persons in student housholds are excluded.
    Explanation of symbols
  • Property account for households
    Property account for households1 2
    20242023 - 2024
    Average for households with different property holdings (NOK)Share of households with different property holdings (per cent)Total (NOK million)Percentage change (NOK million)
    Estimated real capital4 489 20084.69 937 8193.5
    Estimated market value primary dwelling4 576 10068.98 245 7973.7
    Estimated market value secondary dwelling3 568 9009.8913 2574.1
    Gross financial capital1 873 90098.74 841 2527.7
    Bank deposits647 80098.71 672 9385.2
    Shares and other securities3 425 50023.62 111 1264.4
    Share savings account558 70032.9481 56230.1
    Units of mutual funds302 50030.0237 14115.8
    Foreign taxable wealth excl. real properties516 0004.764 050-6.3
    Estimated gross wealth5 716 60098.814 779 0724.9
    Debt2 071 80084.84 598 4823.9
    Study debt320 20026.7223 4367.7
    Estimated net wealth3 926 40099.110 180 5895.3
    Positive net wealth4 800 40083.310 463 5075.2
    Negative net wealth-684 80015.8-282 9184.0
    Property taxes63 20018.730 8748.3
    1Student households are not included.
    2All wealth items are based on market value or assumed sales value before any tax valuation discount.
    Figures for bank deposits and foreign taxable wealth excl. real properties were corrected on 12 February 2026. This also affects other wealth measures.
    Explanation of symbols
  • Percentage share of total estimated net wealth, average net wealth and lowest value in decile for households, by deciles
    Percentage share of total estimated net wealth, average net wealth and lowest value in decile for households, by deciles1
    20242023 - 2024
    Lowest value in decile (NOK)Average estimated net wealth (NOK)Share of total net wealth (per cent)Change in share of estimated net wealth (percentage points)
    Total..3 890 400100.00.0
    Decile 1..-1 031 500-2.70.0
    Decile 2-192 800-42 900-0.10.0
    Decile 320 800159 7000.40.0
    Decile 4390 300748 6001.9-0.1
    Decile 51 131 0001 538 1004.00.0
    Decile 61 955 7002 406 4006.20.0
    Decile 72 880 1003 415 8008.80.0
    Decile 83 996 7004 715 30012.10.0
    Decile 95 543 1006 787 80017.40.0
    Decile 108 454 20020 211 30051.90.1
    Top 5 per cent12 140 20030 419 90039.10.1
    Top 1 per cent28 250 40084 551 20021.7-0.1
    Top 0,1 per cent133 425 400402 084 70010.3-0.1
    1Student households are excluded
    Explanation of symbols

About the statistics

The information under «About the statistics» was last updated 9 February 2026.

The concepts presented here are explained according to how they are used in the statistics. These explanations may differ from the common definitions of the concepts.

Household

A household is regarded as all persons who live permanently in the same dwelling and having common housekeeping. The statistics include only persons in private households. Persons registered as living in institutions are not included.

Student household

A student household is defined as a household where the main income earner is not mainly economically active or in receipt of pensions and benefits, and at least one person within the household receives a loan from the State Educational Loan Fund.

Main income earner

The main income earner is the person in the household who has the highest total income before taxes of the income earners in the household. If there is no income earner in the household, the oldest person is defined as the main income earner.

Total income

Total income is the sum of employee, income from self-employment, property income and transfers received. Assessed tax and other negative transfers are not deducted.

After-tax income

After-tax income is calculated as total income minus assessed tax and negative transfers.

Income from work

Income from work is the sum of employee income and net income from self-employment during the calendar year. As of 2006 sickness and parental benefits is not included.

Income from self-employment

Income received in self-employment jobs. It primarily concerns the profit or loss from unincorporated enterprises.

Property income

Property income is the sum of interest received, share dividends received, realised capital gains (or losses) and other property income received during the calendar year.

For share savings accounts (ASK), capital gains (from the 2017 income year onwards) and dividends (from the 2019 income year onwards) are only recorded as income in the year they are withdrawn from the account.

From the 2024 income year onwards, the allowance for shielding (risk-free return allowance) on realised capital gains has been moved from dividend income to realised capital gains. Furthermore, from the 2024 income year, income from private pension savings (IPA/IPS) is included in “other property income”, whereas it was previously included under occupational pensions (transfers).

Taxable transfers

Taxable transfers include unemployment benefits, old‑age pension, disability benefit, work assessment allowance (AAP), sickness benefits and parental benefits, as well as other taxable transfers from the National Insurance Scheme. In addition, disability benefits from sources other than the National Insurance Scheme, occupational pensions, contractual early retirement pension (AFP), introduction benefit for newly arrived immigrants, and other taxable transfers are included.

Prior to the 2006 income year, sickness and parental benefits were included in income from work. Benefits from the National Insurance Scheme include survivor’s pension for recipients granted this benefit up to and including the 2023 income year, and adjustment allowance from the 2024 income year onwards. From the 2024 income year, income from private pension savings (IPA/IPS) is no longer included in occupational pensions, but is instead classified as “other property income”.

Tax-free transfers

Tax-free transfers consist of child benefits, dwelling support, scholarships, social assistance, basic and attendance benefit and more.

Child support received through private agreements is not registered, and therefore not included in the statistics.

Assessed taxes and negative transfers

This comprises income tax and wealth tax to the central government and municipalities. Examples of negative transfers are pension contributions in employment and paid child support managed by public arrangement.

Estimated real capital

Estimated value of properties, buildings and constructions, possessions, etc.

Market value is used for primary and secondary dwellings, commercial properties, forests and farms.

Tax value is used for other real estate and private and commercial moveable property.

Primary dwelling

A primary dwelling is defined as the dwelling in which the owner has their registered address at the end of the income year. Valuation is based on an estimated market value. The estimated market value is obtained from the tax return and is based on Statistics Norway’s model for estimating housing wealth, which is used by the Norwegian Tax Administration to determine the market value of the dwelling for the relevant income year.

An individual can own only one primary dwelling. In income and wealth statistics, farmhouses on agricultural holdings are not classified as primary dwellings.

Secondary dwelling

A dwelling that a person owns, which is not the primary dwelling. Value is set according to assessed market value. Cabins and holiday properties are not secondary dwellings.

Estimated gross financial capital

Comprises bank deposits, shares, units in mutual funds, share savings accounts, bonds and other securities.

Prior to 2008, discounts were applied to the valuation of shares, mutual funds, primary capital certificates and similar assets. In the wealth statistics for these income years, tax values were therefore used. Between 2008 and 2016, no discounts were applied, and tax values corresponded to estimated market values. From 2017 onwards, discounts in the valuation of financial assets were reintroduced for tax purposes. In the wealth statistics, however, tax values have been adjusted upwards so that the values used correspond to estimated market or sales values.

Estimated gross wealth

Sum of estimated real capital and gross financial capital.

Debt

Household debt comprises liabilities to creditors (such as banks or other private individuals), as well as the household’s share of debt for owners in Building Societies. Household debt corresponds to total liabilities reported in the tax return and tax assessment, adjusted upwards to account for tax valuation discounts.

From the 2017 income year onwards, a proportional reduction was introduced in the total amount of debt deductible for the purpose of wealth tax assessment, where the reduction depends on the composition of the taxpayer’s assets. As a result, from 2017 onwards, debt subject to tax valuation discounts is recorded at market value (i.e. debt before any valuation discounts) in the wealth statistics. Prior to 2017, there was no difference between taxable debt and the market value of debt.

By linking register data from the Norwegian State Educational Loan Fund (Lånekassen) and the Norwegian Debt Register (Gjeldsregisteret AS), the household wealth statistics can separately identify student loan debt and unsecured debt. As the different debt components are sourced from registers with potentially different reporting dates, total debt reported in the tax return minus student loan debt and unsecured debt does not necessarily equal the residual category “other debt”.

Unsecured debt

Unsecured debt includes both interest‑bearing and non‑interest‑bearing balances. Data on unsecured debt are only available from the 2019 income year onwards. The amount of unsecured debt is calculated based on data from Gjeldsregisteret AS as of 31 December in the income year.

Estimated net wealth

Estimated gross wealth minus debt. Pension wealth is not included.

Median income

Median income is the exact income amount that splits a distribution in two equally sized groups, when income is sorted ascending (or descending). The number of persons with income above the median will be the same as the number of persons with income below the median.

Income per consumption unit (equivalent income)

Total household after-tax income divided by the number of consumption units within the household.

The economic needs of a household increase with each additional member, but not proportionally. For example, the need for housing space, electricity and other shared resources will not be three times as high in a household with three members as in a single‑person household, due to economies of scale. Using equivalence scales, each household type in the population is assigned a value that reflects its relative needs. The factors commonly used to assign these values are the number of household members and whether they are adults or children.

Several equivalence scales exist and are used for different purposes. In the income and wealth statistics for households, the EU equivalence scale is most often applied.

Consumption units calculated according to the EU scale

This is the ‘OECD-modified equivalence scale’ which assigns a value of 1 to the household head, of 0.5 to each additional adult member and of 0.3 to each child under the age of 17.

Consumption units calculated according to the OECD scale

In the income and wealth statistics for households, the OECD scale refers to the "old" equaivalence scale used byt he OECD. This equivalence scale assigns a value of 1 to the household head, of 0.7 to each additional adult member and of 0.5 to each child under the age of 17.

Low income threshold

In the income and wealth statistics for households, low‑income thresholds are usually defined as a proportion of the median equivalised after‑tax income. Commonly used thresholds are 50 or 60 per cent of the median after‑tax income per consumption unit.

There is no official low‑income threshold in Norway. Statistics Norway therefore calculates several low‑income thresholds based on the income distribution of the total population. These thresholds are relative to overall income growth and allow comparisons across individuals belonging to different household types.

Low-income group

Persons belonging to a household with annual equivalent income below the low-income threshold.

The Gini coefficient

The Gini coefficient is here used to measure income inequality within a population, either for a specific group or within a geographical unit such as a country or a municipality. It shows how total after‑tax income per consumption unit is distributed within the population. The Gini coefficient ranges from 0 to 1, where 0 indicates that everyone has the same income (perfect equality), while a value of 1 indicates that a single individual receives all income (perfect inequality).

The inequality measure S80/S20

This measure shows the ratio between the average after‑tax income per consumption unit of the 20 per cent of the population with the highest income and the average after‑tax income of the 20 per cent with the lowest income. The ratio indicates how much higher the average income of the richest 20 per cent of the population is compared with that of the lowest‑income 20 per cent.

The inequality measure P90/P10

The P90/P10 inequality measure shows the ratio between after‑tax income per consumption unit for individuals with an income slightly higher than 90 per cent of the population and those with an income slightly lower than 10 per cent of the population. In other words, it compares individuals in the ninth to tenth decile (P90) with those in the first to second decile (P10) of the income distribution. Unlike the S80/S20 measure, P90/P10 is less affected by extremely high or low incomes, as it excludes the incomes of the top and bottom 10 per cent of the population.

Economically active

A person that has income from employment or self-employment that is greater than twice the Basic Amount of the National Insurance Scheme (so-called "G", or "grunnbeløpet"). For the income year 2010 and earlier, persons with income from employment or self-employment greater than the Minimum Pension for single people were regarded as economically active.

This concept differs from the definition “Employed persons” used in other statistics, which defines whether a person is in employment on a certain time.

Single parents

Persons in the household type "mother/father with children aged 0-17 years".

Old-age pensioners

Persons in households where the main income earner, according to the Norwegian Labour and Welfare Administration, receives old age pension from the social security system.

Disability pensioners

Persons in households where the main income earner, according to the Norwegian Labour and Welfare Administration, receives disability pension from the social security system.

Receivers of survivor's benefits

Persons in households where the main income earner, according to the Norwegian Labour and Welfare Administration, receives survivor's benefit (after deceased spouse) from the social security system.

From the 2024 income year onwards, survivor’s pension has been replaced by an adjustment allowance, and no new survivor’s pension recipients are included in the population.

Old-age pensioners with minimum state pension

As of 2021 the definition of receivers of the minimum state pension that the Income and Wealth statistics for Households use is in accordance with the definition used by Norwegian Labour and Welfare Administration.

In the Income and Wealth statistics for Households the number of receivers of retirement pension and the minimum state pension will be fewer than the number the Norwegian Labour and Welfare Administration reports since we only count residents at the close of the year.

Until 2020 receivers of the minimum state pension were defined by persons who received the minimum state pension, or who received a pension supplement.

Receivers of the minimum state pension

Persons who receive the minimum pension level, which is a guaranteed minimum retirement pension payment from the National Insurance Scheme. The definition distinguishes between:

  • Old-age pensioners who receive the minimum state pension.
  • Disability pensioners who receive the minimum state pension.
  • Receivers of minimum level survivor’s benefits

Until 2020 receivers of the minimum state pension were defined as persons who received the minimum state pension, or who received a pension supplement.

Receivers of work assessment allowance

Persons in households where the main income earner is registered with a longstanding illness. Included are persons in receipt of rehabilitation allowances, persons incapable of full labour force participation, but attend labour market schemes, and others. Up until 2005, persons who were incapable of full labour force participation but who attended programmes initiated by the National Insurance Scheme (e.g. school and work placements), and persons who were receiving vocational rehabilitation allowances, were not included in the statistics.

Long-term unemployed

Persons in households where the main income earner has been registered as unemployed for 6 consecutive months or more during the year.

People on social assistance

Persons in households where the main income earner has received social assistance at least once during the year.

Singles

Persons who are the only person in a household.

Immigrants

Persons in households where the main income earner is born abroad by two foreign-born parents (first-generation immigrant).

Norwegian-born to immigrant parents

Persons in households where the main income earner is born in Norway by two foreign-born parents.

Refugees

Persons in households where the main income earner is immigrated to Norway for refuge reasons.

Persons with refugee background

Persons in households where the main income earner is immigrated to Norway for refuge reasons or immigrated family members of these.

Age

Age (number of years) at the end of the year.

Socioeconomic status

Socioeconomic status is described by type of economic activity. The economically active population, which mainly receive their income from working, is divided into self-employed and employees. If income from self-employment is greater than income from employment, the person is classified as self-employed, and vice versa.

We have the following socio-economic groups:

Working

  • Self-employed in agriculture, forestry and fishing
  • Self-employed in other industries.
  • Employee

Non-working

  • Pensioners and National Insurance recipients
  • Other non-working

Income sources not included in the income and wealth statistics

After-tax income comprises the sum of income from work, property income and transfers, where assessed taxes and negative transfers are deducted. This way of defining income is in accordance with the practical definition recommended in the Canberra report (United Nations Economic Commission for Europe 2011).

The income statistics cover most of the various monetary income sources. Due to lack of information, the following elements are not included in the statistics although they affect the income level.

  • The value of public services, such as public health care and education
  • The net value of unpaid domestic services. This include unpaid housework, child care and goods produced for own consumption
  • The net value of owner-occupied housing services.
  • The net value of services from household consumer durables
  • Income withheld from taxation or gained from criminal activities
  • Child support received through private agreements
  • Rental income when renting out less than 50 per cent of owner-occupied housing
  • Municipal subsidy schemes for housing and cash benefits for child care
  • Local property taxes are not deducted when estimating after-tax income due to lack of information
  • Interest payments are not deducted from after-tax income, although data on this is available. This is done as a rough compensation for not including the value of owner-occupied housing services in the income.

Types of household are in accordance with standard classifications.

Classification of households - Statistics Norway

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