% of disposable income - Source frequency: quarterly · Methodology · Corrections
Australia's household debt-to-income ratio was 177.0% as of December 2025, and the trend is broadly stable. Total household debt (mortgages, personal loans, credit cards) as a percentage of annual household disposable income. Australia's ratio is among the highest in the world. High household debt makes families vulnerable to interest rate rises and income shocks. It directly amplifies mortgage stress and limits consumer spending — a risk to the entire economy. Data is sourced from RBA Table E2 — Household Finances; ABS National Accounts and updated quarterly.
Total household debt (mortgages, personal loans, credit cards) as a percentage of annual household disposable income. Australia's ratio is among the highest in the world.
High household debt makes families vulnerable to interest rate rises and income shocks. It directly amplifies mortgage stress and limits consumer spending — a risk to the entire economy.
GREEN = favourable trend within acceptable band of baseline. AMBER = flat or mild change. RED = unfavourable trend beyond threshold.
This data is sourced programmatically from official statistical APIs and data feeds (RBA Table E2 — Household Finances; ABS National Accounts), updated quarterly. The source link above points to the human-readable publication page, which presents the same underlying data in a different format (e.g. Excel workbook, PDF release). Our pipeline fetches the machine-readable version automatically and converts it to the standardised format shown here.
See all sources and methodology on the data sources page.
