Economy dashboard · Housing & household finances
As at 13 October 2026 · official data unless labelled
Household debt to income
178.4%Below its 10-year average▲ 1.2 ptsJune quarter 2026vs 10-year average 182.4%
What the numbers are telling us
Household debt to income was 178.4% in the June quarter 2026, up 1.2 pts on the previous reading (177.2%).
It is below its 10-year average of 182.4%, which is a better reading than usual.
Why it matters
Total household debt relative to a year's disposable income; high leverage makes households sensitive to rate rises.
What it should be
There is no official target for this measure, so it is judged against its own 10-year average of 182.4%: lower is better.
Debt to income: the last 40 readings
Household debt to income, 2016-Q3 to 2026-Q2
Every figure on this page is calculated from the stored official series (RBA, E2 debt to income); the summary is written from the numbers, not edited by hand.