The figure represents some 3% of the population with the 25-34 age group is most likely to have borrowed to cover these costs - more than twice as likely as other age groups.
And people who live in London are most likely to have borrowed to pay their mortgage or rent, with 7% of Londoners saying they have done so.
Ian Williams of Debt Advisory Centre said: "Although there are signs of recovery in the economy, this is a timely reminder that many people are still left struggling to get by from month to month.
“And the problem could get worse when interest rates begin to rise in the future.
"Most of us need to borrow a bit of money from time to time, but if you find yourself borrowing money to cover essential costs then that could be a sign of a serious problem.
"Your mortgage or rent is arguably your biggest priority cost, so borrowing money to cover that could be particularly serious.
“If you think you're having problems, it's a much better idea to get in touch with your mortgage provider or landlord to explain the situation. If that doesn't help, then you should seek expert advice."
