The purpose of this study was to explore patterns of household debt and household debt change between 2000 and 2004. The study further investigated impacts of female labour force participation on household debt change. The analyses used KDSS Round 1 (2000) and Round 5 (2004). 8,434 households were included in the analyses, in which Multinomial Logistic Regression was employed. Results showed that the percentage of households with in-debtedness was higher than those without debt in Round 1 and Round 5. About 57.0 percent of the households had increased debt, which was the largest proportion in the pattern of household debt change. Having at least one woman working in the household, especially a woman working with no income, strongly affected the change in household debt. Compared to households with women working but earning no income, households with women working and earning income were less likely to have debt increased or decreased than those having no debt. The results were net based on the household assets in 2004, characteristics of the household head, characteristics of the household in 2000 and the characteristic residential area outside household. The findings suggest that one of the possible ways to improve household debt situation is to support women working and earning income.