Borrowing estimates for Calderdale, built from published survey rates and population figures.
An estimated 139,000 adults in Calderdale 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: 84% of adults in Yorkshire and The Humber held at least one credit or loan product (FCA Financial Lives 2024, adults aged 18 and over) applied to 165,095 adults aged 18 and over in Calderdale (ONS mid-2024 population estimates, single-year ages summed).
An estimated 99,100 adults in Calderdale held a credit card in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 60% of adults in Yorkshire and The Humber held a credit card (FCA Financial Lives 2024, adults aged 18 and over) applied to 165,095 adults aged 18 and over in Calderdale (ONS mid-2024 population estimates, single-year ages summed).
An estimated 34,700 adults in Calderdale 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 Yorkshire and The Humber were overdrawn on a current account (FCA Financial Lives 2024, adults aged 18 and over) applied to 165,095 adults aged 18 and over in Calderdale (ONS mid-2024 population estimates, single-year ages summed).
An estimated 42,900 adults in Calderdale had a residential mortgage in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 26% of adults in Yorkshire and The Humber had a residential mortgage (FCA Financial Lives 2024, adults aged 18 and over) applied to 165,095 adults aged 18 and over in Calderdale (ONS mid-2024 population estimates, single-year ages summed).
An estimated 34,700 adults in Calderdale 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: 21% of adults in Yorkshire and The Humber used buy now, pay later credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 165,095 adults aged 18 and over in Calderdale (ONS mid-2024 population estimates, single-year ages summed).
An estimated 8,090 adults in Calderdale held high-cost credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 4.9% of adults in Yorkshire and The Humber held high-cost credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 165,095 adults aged 18 and over in Calderdale (ONS mid-2024 population estimates, single-year ages summed).
An estimated 42,900 adults in Calderdale had low financial resilience in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 26% of adults in Yorkshire and The Humber had low financial resilience (FCA Financial Lives 2024, adults aged 18 and over) applied to 165,095 adults aged 18 and over in Calderdale (ONS mid-2024 population estimates, single-year ages summed).
An estimated 14,900 adults in Calderdale were in financial difficulty in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 9% of adults in Yorkshire and The Humber were in financial difficulty (FCA Financial Lives 2024, adults aged 18 and over) applied to 165,095 adults aged 18 and over in Calderdale (ONS mid-2024 population estimates, single-year ages summed).
The estimated population aged 16 and over in Calderdale was 171,805 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 139,000 adults in Calderdale held at least one credit or loan product in 2024. An estimated 99,100 adults in Calderdale held a credit card in 2024. An estimated 34,700 adults in Calderdale were overdrawn on a current account in 2024.
An estimated 139,000 adults in Calderdale held at least one credit or loan product in 2024.
An estimated 99,100 adults in Calderdale held a credit card in 2024.
An estimated 34,700 adults in Calderdale were overdrawn on a current account in 2024.