Personal insolvency rates for every council area in England and Wales, from 2015 to 2025. Switch between IVAs, debt relief orders and bankruptcies, or search for your area.
Rate per 10,000 adults
Figures are from the Insolvency Service’s official statistics, Individual insolvencies by location, age and gender, England and Wales, 2025, published on 27 March 2026. Rates are the number of people becoming insolvent in each year per 10,000 residents aged 18 and over, using ONS mid-year population estimates. 2025 figures are provisional.
Areas use local authority boundaries as at December 2025. City of London is included in Westminster and the Isles of Scilly in Cornwall because of their small populations. Scotland and Northern Ireland publish their insolvency statistics separately and use different debt solutions, so they aren’t included.
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Halton in Cheshire had the highest personal insolvency rate in England and Wales in 2025, at 63.0 people per 10,000 adults. Hull (55.3) and Blackpool (50.8) were second and third.
The North East had the highest regional rate in 2025, at 33.8 per 10,000 adults. London had the lowest, at 16.2.
These figures count individual voluntary arrangements (IVAs), debt relief orders (DROs) and bankruptcies. Informal arrangements such as debt management plans and Breathing Space registrations aren’t included.
The Insolvency Service publishes location data once a year. The next release, covering 2026, is due in spring 2027, and we’ll update the map when it’s published.
Read more about each option: IVAs, debt relief orders, bankruptcy and UK debt statistics.