Borrowing estimates for Watford, built from published survey rates and population figures.
An estimated 70,500 adults in Watford 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 81,947 adults aged 18 and over in Watford (ONS mid-2024 population estimates, single-year ages summed).
An estimated 56,500 adults in Watford 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 81,947 adults aged 18 and over in Watford (ONS mid-2024 population estimates, single-year ages summed).
An estimated 17,200 adults in Watford 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 81,947 adults aged 18 and over in Watford (ONS mid-2024 population estimates, single-year ages summed).
An estimated 25,400 adults in Watford 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 81,947 adults aged 18 and over in Watford (ONS mid-2024 population estimates, single-year ages summed).
An estimated 15,600 adults in Watford 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 81,947 adults aged 18 and over in Watford (ONS mid-2024 population estimates, single-year ages summed).
An estimated 4,750 adults in Watford 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 81,947 adults aged 18 and over in Watford (ONS mid-2024 population estimates, single-year ages summed).
An estimated 16,400 adults in Watford 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 81,947 adults aged 18 and over in Watford (ONS mid-2024 population estimates, single-year ages summed).
An estimated 4,920 adults in Watford 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 81,947 adults aged 18 and over in Watford (ONS mid-2024 population estimates, single-year ages summed).
The estimated population aged 16 and over in Watford was 85,460 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 70,500 adults in Watford held at least one credit or loan product in 2024. An estimated 56,500 adults in Watford held a credit card in 2024. An estimated 17,200 adults in Watford were overdrawn on a current account in 2024.
An estimated 70,500 adults in Watford held at least one credit or loan product in 2024.
An estimated 56,500 adults in Watford held a credit card in 2024.
An estimated 17,200 adults in Watford were overdrawn on a current account in 2024.