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Religious affiliation and debt among U.S. households
Tristen Clifton1, Mackenzie Brewer1, Laura Upenieks1
1Department of Sociology, Baylor University, One Bear Place #97326, Waco, TX, 76798-7326, USA.
Social Science Research
|October 20, 2023
Summary
Religious affiliation impacts household debt. Black Protestants and Hispanic/Latinx Catholics show lower credit card and mortgage debt rates, with race/ethnicity playing a role in these financial disparities.
Area of Science:
- Sociology of Religion
- Financial Sociology
- Economic Sociology
Background:
- Religion influences personal values, particularly concerning wealth accumulation.
- Existing research links religious affiliation to wealth attainment but overlooks debt.
- Household debt is a critical, yet understudied, component of net worth.
Purpose of the Study:
- To investigate the association between religious affiliation and household debt.
- To analyze the relationship between religious affiliation and credit card and mortgage debt.
- To identify disparities in debt accumulation across different religious groups in the U.S.
Main Methods:
- Utilized data from the 2017 Panel Study of Income Dynamics (PSID).
- Employed logistic regression models to assess associations between religious affiliation and debt.
- Conducted KHB decomposition analyses to explore the role of race/ethnicity.
Main Results:
- Black Protestants exhibited the lowest rates of both credit card and mortgage debt.
- Hispanic/Latinx Catholics showed significantly lower credit card debt compared to Conservative Protestants.
- Race/ethnicity partially explained the observed relationships between religious affiliation and household debt.
Conclusions:
- This study is the first to document the link between religious affiliation and U.S. household debt profiles.
- Findings highlight significant differences in debt accumulation based on religious and racial/ethnic identities.
- Future research should explore how other religiosity factors influence diverse debt types.
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