Survey shows difference of 8.6 percentage points between regions and warns of risk regarding family budgets
Survey shows that consumers in the North spend, on average, 80.5% of their income on financial expenses, the highest percentage in the country. In the South, where the index is lower, commitment is 71.9%, a difference of 8.6 percentage points.
The study also indicates that, after the North, the Northeast records 78% of , followed by the Central-West with 74.7% and the Southeast with 72.7%.
The average income analysis reinforces the scenario. The North and Northeast, which spend most of their income on financial expenses, also receive the lowest monthly wages. South and Southeast, which commit less, have the highest remuneration.
- Southeast registers R$4,448;
- On the – R$ 4.308;
- Midwest – R$ 4.296;
- Norte – R$ 3.018;
- North East – R$ 2.821.
Camila Abdelmalack, chief economist at Serasa Experian, warns of the risk of compromising up to 80% of family income. “This is a warning sign, because the room for maneuver practically disappears. With so little income available after paying financial expenses, it becomes increasingly difficult to absorb unforeseen events, plan larger purchases or access credit on more favorable terms”it says.
high commitment since 2022
Historical analysis shows that commitment has remained high since 2022:
- Norte – fell from 81.9% to 80.5%;
- North East – from 79.4% to 78%;
- Midwest – from 75.3% to 74.7%;
- Southeast – from 73.4% to 72.7%;
- On the – from 73.2% to 71.9%.
INCOME GROWS unequal
Average income has grown in all regions since 2022, but unevenly:
- Southeast – went from R$4,227 to R$4,448 – increase in 5,23%;
- Midwest – of R$ 4,096 for R$ 4.296 – increase in 4,88%;
- On the – from R$4,075 to R$4,308 – increase in 5,72%;
- Norte – from R$3,007 to R$3,018 – increase in 0,37%;
- North East – from R$2,766 to R$2,821 – increase in 1,99%.
Eduardo Mônaco, vice-president of credit and platforms at Serasa Experian, states that income and financial expenses have evolved at almost the same pace in recent years, maintaining commitment at high levels. He highlights that the scenario requires increasingly accurate and responsible credit models, based on data intelligence.
METHODOLOGY
The study was carried out using the new version, 5.0, of the Income and Income+ solutions, which provide an income estimate applied to a sample of the Brazilian population. The data has November 2025 as a reference. Average income values have a nominal reference.
