# UK Household Energy Debt Hits Record £5 Billion Ahead of Winter Millions face rising energy bills as debt surges to unprecedented levels. - **Source:** [Daily Express :: Finance Feed](https://www.express.co.uk) - **Published:** 2026-09-26 - **Topic:** [Business](https://brifing.si/c/business) - **Original article:** - **On Brifing:** https://brifing.si/s/c0c32e55-f83d-4b45-ab15-009844626cce ## Record Energy Debt UK household energy debt has surpassed £5 billion for the first time, reaching £5.02 billion in Q2 2026. This marks a 4.8% increase from Q1 and a 13% rise compared to the same period in 2025. The figures include debts and arrears outstanding for over 91 days, highlighting the growing financial strain on consumers. ## Average Arrears Amount Electricity customers in arrears owe an average of £1,872, while gas customers owe £1,613. Both figures have risen compared to last year, reflecting the escalating cost of energy. Despite minor fluctuations, these averages remain significantly higher than previous years, underscoring the persistent financial burden on households. ## Rising Number of Arrears The number of electricity accounts in arrears without repayment plans reached 1,187,788, a 5% increase from Q1. Similarly, gas accounts in arrears rose by 5% to 954,966. This upward trend, ongoing since 2024, indicates a growing segment of households struggling to manage their energy payments. ## Energy Price Cap Adjustment From October 1, the Energy Price Cap will rise by 4% to £1,723 annually for typical households paying by Direct Debit. This adjustment, though not a maximum bill limit, means households using more energy will face higher costs. The cap change adds pressure as winter approaches and energy consumption typically increases. ## Charity Warning StepChange, a debt charity, reports that its clients with energy arrears owe an average of £2,676 this year. Additionally, 29% of UK adults surveyed expressed concern about paying energy bills over the next six months. These findings highlight the widespread anxiety surrounding energy affordability. ## Regulator’s Advice Ofgem urges households struggling with energy bills to contact their suppliers. Suppliers are obligated to offer support, such as affordable repayment plans or emergency credit. This guidance aims to mitigate the financial distress faced by consumers as energy costs continue to rise. ## Long-Term Trend Ofgem’s data reveals a steady increase in domestic energy arrears since 2024. This trend aligns with broader economic pressures, including inflation and rising living costs. The persistent upward trajectory suggests systemic challenges in energy affordability for UK households. ## Implications for Winter With winter approaching, the combination of rising energy debt, increased arrears, and a higher price cap poses significant challenges for households. The situation underscores the need for effective policy interventions and support mechanisms to address the growing energy affordability crisis. ## Sources covering this story - https://www.express.co.uk/finance/personalfinance/2252124/energy-debt-passes-5bn-first-time — --- _Summary written by Brifing from the original reporting. Copyright in the original article belongs to its publisher; read the full piece at the link above._