Housing Affordability

Analysing the state of the Australian market

National Median Price

Sydney Median Price

Mortgage to Income

Serviceability ratio

Rental Affordability

Capital City Median House Prices
Affordability Indices

Higher values = worsening affordability. Rent (CPI Rents/WPI), Mortgage (Price×Rate/WPI), Deposit (Price/Income), Price-to-Income Ratio.

Dwelling Price Index by Capital City
Rent Consumer Price Index (CPI) by Greater Capital City

Source: ABS — Consumer Price Index, Australia

Affordability Analysis
Affordability Indicators
Housing Serviceability

Proportion of median income required to service a new mortgage (80% LVR, 30yr)

Monthly Repayment

Repayment / Income

Years to Save Deposit

Loan-to-Value Ratio

Total Interest Paid

Deposit Amount

Housing Cost Stress Bands (2019-20)
Housing Cost-to-Income Ratio by Tenure & Demographics (2019-20)

Labour & Demographics

Analysing the state of the Australian market

Unemployment Rate

Trend estimate

Net Overseas Migration

Annual estimate

Participation Rate

Trend estimate

Interest Rates on Residential Mortgages
Labour Market Spare Capacity

Unemployment, Underemployment & Underutilisation Rates (%)

Population Demand

Net Overseas Migration (NOM) per annum (thousands)

Housing Supply

Building activity and construction costs

NSW Approvals

Monthly dwelling units

VIC Approvals

Monthly dwelling units

Construction Costs

CPI New Dwelling Index

Houses Share

% of total approvals

Building Approvals
CPI New Dwelling Purchase (Construction Cost)
NHHA Rental Stress by State
NHHA Rental Stress Trends (Over Time)
Rental Affordability Index
Weekly Rental Costs by Demographics (2019-20)