Just over half of households had some form of financial debt, with the median amount being borrowed increasing by £400 to £3,200 between 2006/8 and 2008/10.
The combined financial debt of households in Britain has jumped to over £90 billion, with people owing thousands of pounds on credit cards, overdrafts or loans, according to new research.
Total financial liabilities increased by more than 10% to £94.7 billion in the same period, said the Office for National Statistics.
Households in Wales had the lowest financial liabilities at £2,000, compared with £4,200 in the South East.
People living in the least wealthy households were 13 times more likely to regard their financial debt as a heavy burden as those in the wealthiest households.
Households headed by younger people owed the most, while those with over 65-year-olds had the lowest proportion of financial liability.
The ONS counted financial liabilities as credit and store cards not settled each month, overdrafts and all forms of fixed-term loans.