Economy · Australia · Household debt

Australian household debt to income

178.4% in June quarter 2026, compared with 177.2% in March quarter 2026.

Quarterly · % of disposable income · Highest since September quarter 2024 · Updated 5 hrs ago

Range, past 10 years52-week and 10-year range The lowest and highest values over a period, with a marker for where the latest value sits between them. Learn more: 175.7% Sep qtr 2025187.5% Jun qtr 2018
Over 3 monthsYear on year, month on month, quarter on quarter How a figure compares with the same period a year earlier (y/y), or with the period just before (m/m, q/q). Year-on-year removes seasonal swings; shorter comparisons show turning points sooner. Learn more: +2.0 ptsfrom 176.4%
Over 12 monthsPercentage points and basis points The difference between two percentages. A rate rising from 4.00% to 4.25% is up 0.25 percentage points, or 25 basis points; it is not up 0.25%. Learn more: +1.5 ptsfrom 176.9%
Long-run averageLong-run average The average of every reading in the series' history. A rough guide to what is normal, though economies change and some series never return to their old average. Learn more: 138.9%since 1988
Against its historyPercentile against history Where the latest reading ranks among every reading since the series began. The 90th percentile means it is higher than 90% of past readings. Learn more: 78thpercentile: higher than 78% of readings since 1988

HistorySeasonally adjusted A figure with the regular calendar pattern removed (Christmas, school holidays, harvests), so one month can be compared fairly with the next. Learn more

% of disposable income, quarterly

175.0180.0185.0190.0Jun qtr 2016Jun qtr 2021Jun qtr 2026

Show the data

The latest 24 readings in this range.

Total household debt as a share of annual household disposable income, from the RBA.

Among the highest ratios in the developed world, which makes Australian households especially sensitive to interest rates.