Evidence
Mortgage Repayments Ease From Their 2024 Peak, RBA Data Show
Everything this story rests on. If a figure is not here, we did not publish it.
The one number
9.4%
Share of household disposable income consumed by scheduled mortgage repayments, March quarter 2026.
Sources
| Series | Publisher | Tier | Period | Basis |
|---|---|---|---|---|
| housing_repayments_income_au ↗ | Reserve Bank of Australia | Tier 1 | March quarter 2026 | Housing loan scheduled repayments to household disposable income |
| dwelling_stock_value_bn ↗ | Australian Bureau of Statistics | Tier 1 | June quarter 2026 | Total value of residential dwelling stock, quarterly |
| cash_rate_au ↗ | Reserve Bank of Australia | Tier 1 | Q2 2026 | RBA cash rate target, official series |
| household_debt_to_income ↗ | OECD | Tier 1 | 2024 | Household debt to net disposable income, cross-country snapshot |
| wpi_annual_au ↗ | Australian Bureau of Statistics | Tier 1 | Q2 2026 | Wage Price Index, annual change |
| cpi_annual_au ↗ | Australian Bureau of Statistics | Tier 1 | Q2 2026 | Consumer Price Index, annual change |
| household_credit_bn ↗ | Reserve Bank of Australia | Tier 1 | June 2026 | Household credit outstanding |
Caveat
The RBA's repayment-to-income series uses household disposable income as its denominator, which differs from the REIA's Average Weekly Earnings measure. The two series can produce materially different headline ratios for the same period.
How to check this yourself
Follow the source links above. Each goes to the published series, not to our copy of it. Where we computed a figure rather than quoting one, the calculation is stated in the basis column. If you find an error, it gets a correction on the story.