Housing & Property•Series ID: LPHTSPRI•2009–2026
Housing Loan Interest & Repayments to Income - Historical Data
Measures the direct debt-servicing burden of Australian mortgages relative to household disposable income.
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Current Statistics & Historical Records
Latest Reading (2026 Q1)
9.4%
Prev (2025 Q4): 9.4%0.0 pp
Highest Recorded (2024 Q2)
10.1%
Recorded in 2024 Q2
Lowest Recorded (2020 Q3)
7.1%
COVID-19 pandemic shock & 0.10% cash rate floor
Long-Run Mean (2009–2026)
8.3%
18 annual observations · Quarterly
Housing Loan Interest & Repayments to Income - Historical Series (2009–2026)
% of disposable incomeDrag to pan, scroll to zoom, or toggle between full annual history (2009–2026) and recent quarterly releases.
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Source: Reserve Bank of Australia (RBA) / Australian Bureau of Statistics (ABS) (LPHTSPRI) Latest: 9.4 % of disposable income (2026 Q1)
Housing Loan Interest & Repayments to Income by Decade (2009–2026)
Decade averages, peaks, and troughs across Australian economic cycles
2000s2009–2009
8.2%
High (2009):8.2%
Low (2009):8.2%
2010s2010–2019
8.0%
High (2010):8.8%
Low (2015):7.4%
2020s2020–2026
8.7%
High (2024):10.0%
Low (2021):7.3%
Housing Loan Interest & Repayments to Income - Historical Table (2009–2026)
Unit: % of disposable income · Source: Reserve Bank of Australia (RBA) / Australian Bureau of Statistics (ABS) (LPHTSPRI)
| Year | Mortgage Burden (% Income) (% of disposable income) | Year Range (Low – High) | Historical Context / Year Snapshot |
|---|---|---|---|
| 2026 | 9.4% | 9.4% | The Australian Economy in 2026 → |
| 2025 | 9.7% | 9.4% – 9.9% | Disinflation & monetary policy recalibration |
| 2024 | 10.0% | 9.8% – 10.1% | The Australian Economy in 2024 → |
| 2023 | 9.3% | 8.9% – 9.6% | The Australian Economy in 2023 → |
| 2022 | 7.6% | 7.2% – 8.3% | Post-pandemic inflation surge & rapid RBA tightening cycle |
| 2021 | 7.3% | 7.1% – 7.6% | The Australian Economy in 2021 → |
| 2020 | 7.4% | 7.1% – 8.0% | COVID-19 pandemic shock & 0.10% cash rate floor |
| 2019 | 7.8% | 7.7% – 8.0% | The Australian Economy in 2019 → |
| 2018 | 8.0% | 7.7% – 8.1% | The Australian Economy in 2018 → |
| 2017 | 7.6% | 7.4% – 7.8% | The Australian Economy in 2017 → |
| 2016 | 7.5% | 7.4% – 7.6% | The Australian Economy in 2016 → |
| 2015 | 7.4% | 7.3% – 7.5% | The Australian Economy in 2015 → |
| 2014 | 7.6% | 7.5% – 7.7% | The Australian Economy in 2014 → |
| 2013 | 8.0% | 7.9% – 8.3% | The Australian Economy in 2013 → |
| 2012 | 8.4% | 8.1% – 8.7% | The Australian Economy in 2012 → |
| 2011 | 8.8% | 8.6% – 8.9% | China mining investment & Terms of Trade supercycle peak |
| 2010 | 8.8% | 8.6% – 9.0% | The Australian Economy in 2010 → |
| 2009 | 8.2% | 8.1% – 8.3% | The Australian Economy in 2009 → |
Related Australian Economic Statistics
Variable Owner-Occupier Mortgage Interest RateInterest Rates · 2015–2026
6.20%Aug 2026
Household Debt-to-Disposable-Income RatioHousing & Property · 1988–2026
178.4%2026 Q2
RBA Cash Rate Target & Overnight Cash RateInterest Rates · 1976–2026
4.36%Sep 2026
Compare Mortgage Burden (% Income) against another indicator →
Source Information & Methodology
- Primary Institution:
- Reserve Bank of Australia (RBA) / Australian Bureau of Statistics (ABS)
- Dataset / Publication:
- Housing Loan Payments - Scheduled Repayments to Disposable Income
- Series / Table ID:
- RBA Statistical Table E13 (LPHTSPRI)
- Release Frequency:
- Quarterly
• Primary source: Reserve Bank of Australia (RBA) / Australian Bureau of Statistics (ABS) - Housing Loan Payments - Scheduled Repayments to Disposable Income (RBA Statistical Table E13).
• Observation frequency: Quarterly. Annual table values represent calendar year averages.
• Series coverage spans 2009 to 2026 (18 annual observations).
APA Citation:Reserve Bank of Australia & Australian Bureau of Statistics. (2026). Housing Loan Payments - Scheduled Repayments to Disposable Income (E13: LPHTSPRI). Retrieved October 2026 from https://www.rba.gov.au/statistics/tables/
Frequently Asked Questions: Housing Loan Interest & Repayments to Income
- What is the current Housing Loan Interest & Repayments to Income?
- As of 2026 Q1, the latest recorded Housing Loan Interest & Repayments to Income is 9.4 (% of disposable income), compared with 9.4 in 2025 Q4.
- What is the highest and lowest Housing Loan Interest & Repayments to Income ever recorded in Australia?
- Across the historical series (2009–2026), the highest observation was 10.1 (% of disposable income) in 2024 Q2, while the lowest was 7.1 (% of disposable income) in 2020 Q3. The long-run historical average is 8.3.
- Where is the official Housing Loan Interest & Repayments to Income data sourced from?
- This series is compiled from Reserve Bank of Australia (RBA) / Australian Bureau of Statistics (ABS) (Housing Loan Payments - Scheduled Repayments to Disposable Income, Series ID: LPHTSPRI) and is updated on a quarterly basis under CC BY 4.0 International / RBA Terms.