WASHINGTON — U.S. retail sales rose at a solid pace last month, as bullish consumers bought more cars, furniture and clothes.

Retail sales increased 0.2 percent in October, the Commerce Department said Wednesday, after a healthy 1.9 percent gain in the previous month. September’s gain was the largest in 2½ years and was driven by big increases in auto and gas sales in the wake of Hurricanes Harvey and Irma.

Americans are spending more freely as confidence in the economy has jumped in the past year and the unemployment rate is at a 17-year low. Excluding gas station sales, which fell sharply as prices dropped, retail sales rose 0.4 percent last month.

Sales gains were widespread. Consumers spent more at electronics, grocery, clothing and sporting goods stores. Restaurants and bars reported a healthy 0.8 percent increase, the biggest gain since January.

Americans are boosting their spending, but incomes are rising only modestly. That has pushed more people to borrow to finance their purchases, particularly of autos. That has renewed worries about whether Americans can stay on top of their debt.

Auto loans and credit card debt rose sharply in the July-September quarter, according to a report Tuesday by the Federal Reserve Bank of New York. That pushed total household debt to a record high of nearly $13 trillion.

The proportion of Americans falling behind on their credit card bills rose to 4.6 percent, the New York Fed said, up from 4.4 percent a year earlier. The share of auto loans that are 90 days or more overdue rose to 2.4 percent from 2.3 percent. Still, low interest rates mean debt payments aren’t historically high.