Borrowing estimates for Hertsmere, built from published survey rates and population figures.
An estimated 73,600 adults in Hertsmere 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 85,541 adults aged 18 and over in Hertsmere (ONS mid-2024 population estimates, single-year ages summed).
An estimated 59,000 adults in Hertsmere 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 85,541 adults aged 18 and over in Hertsmere (ONS mid-2024 population estimates, single-year ages summed).
An estimated 18,000 adults in Hertsmere 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 85,541 adults aged 18 and over in Hertsmere (ONS mid-2024 population estimates, single-year ages summed).
An estimated 26,500 adults in Hertsmere 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 85,541 adults aged 18 and over in Hertsmere (ONS mid-2024 population estimates, single-year ages summed).
An estimated 16,300 adults in Hertsmere 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 85,541 adults aged 18 and over in Hertsmere (ONS mid-2024 population estimates, single-year ages summed).
An estimated 4,960 adults in Hertsmere 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 85,541 adults aged 18 and over in Hertsmere (ONS mid-2024 population estimates, single-year ages summed).
An estimated 17,100 adults in Hertsmere 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 85,541 adults aged 18 and over in Hertsmere (ONS mid-2024 population estimates, single-year ages summed).
An estimated 5,130 adults in Hertsmere 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 85,541 adults aged 18 and over in Hertsmere (ONS mid-2024 population estimates, single-year ages summed).
The estimated population aged 16 and over in Hertsmere was 88,757 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 73,600 adults in Hertsmere held at least one credit or loan product in 2024. An estimated 59,000 adults in Hertsmere held a credit card in 2024. An estimated 18,000 adults in Hertsmere were overdrawn on a current account in 2024.
An estimated 73,600 adults in Hertsmere held at least one credit or loan product in 2024.
An estimated 59,000 adults in Hertsmere held a credit card in 2024.
An estimated 18,000 adults in Hertsmere were overdrawn on a current account in 2024.