Borrowing estimates for St Albans, built from published survey rates and population figures.
An estimated 98,600 adults in St Albans held at least one credit or loan product in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 86% of adults in the East of England held at least one credit or loan product (FCA Financial Lives 2024, adults aged 18 and over) applied to 114,693 adults aged 18 and over in St Albans (ONS mid-2024 population estimates, single-year ages summed).
An estimated 79,100 adults in St Albans held a credit card in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 69% of adults in the East of England held a credit card (FCA Financial Lives 2024, adults aged 18 and over) applied to 114,693 adults aged 18 and over in St Albans (ONS mid-2024 population estimates, single-year ages summed).
An estimated 24,100 adults in St Albans were overdrawn on a current account in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 21% of adults in the East of England were overdrawn on a current account (FCA Financial Lives 2024, adults aged 18 and over) applied to 114,693 adults aged 18 and over in St Albans (ONS mid-2024 population estimates, single-year ages summed).
An estimated 35,600 adults in St Albans had a residential mortgage in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 31% of adults in the East of England had a residential mortgage (FCA Financial Lives 2024, adults aged 18 and over) applied to 114,693 adults aged 18 and over in St Albans (ONS mid-2024 population estimates, single-year ages summed).
An estimated 21,800 adults in St Albans used buy now, pay later credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 19% of adults in the East of England used buy now, pay later credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 114,693 adults aged 18 and over in St Albans (ONS mid-2024 population estimates, single-year ages summed).
An estimated 6,650 adults in St Albans held high-cost credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 5.8% of adults in the East of England held high-cost credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 114,693 adults aged 18 and over in St Albans (ONS mid-2024 population estimates, single-year ages summed).
An estimated 22,900 adults in St Albans had low financial resilience in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 20% of adults in the East of England had low financial resilience (FCA Financial Lives 2024, adults aged 18 and over) applied to 114,693 adults aged 18 and over in St Albans (ONS mid-2024 population estimates, single-year ages summed).
An estimated 6,880 adults in St Albans were in financial difficulty in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 6% of adults in the East of England were in financial difficulty (FCA Financial Lives 2024, adults aged 18 and over) applied to 114,693 adults aged 18 and over in St Albans (ONS mid-2024 population estimates, single-year ages summed).
The estimated population aged 16 and over in St Albans was 119,817 at mid-2025.
Source: Population estimates - local authority based by single year of age (Nomis NM_2002_1), mid-year estimates, Office for National Statistics, 30 June 2025
ONS mid-2025 population estimates (published 29 July 2026 for England and Wales; Scotland and Northern Ireland as carried in the same Nomis table), local authority boundaries as of April 2023, usual residents, as returned by the Nomis 'Aged 16+' category.
An estimated 98,600 adults in St Albans held at least one credit or loan product in 2024. An estimated 79,100 adults in St Albans held a credit card in 2024. An estimated 24,100 adults in St Albans were overdrawn on a current account in 2024.
An estimated 98,600 adults in St Albans held at least one credit or loan product in 2024.
An estimated 79,100 adults in St Albans held a credit card in 2024.
An estimated 24,100 adults in St Albans were overdrawn on a current account in 2024.