Professional Documents
Culture Documents
E 07 Hist
E 07 Hist
xls
A B C D
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
Share of HH with home Share of HH with Share of HH with business
2 Title loan investment property loan debt
05/18/202407:16:55 Page 1
Reserve Bank of Australia 755577689.xls
A E F G
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
Share of HH with credit Share of HH with HECS Share of HH with other
2 Title card debt debt personal debt
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Reserve Bank of Australia 755577689.xls
A H I J
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
HH investment property
2 Title Share of HH with debt HH home loan: Median loan: Median
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Reserve Bank of Australia 755577689.xls
A K L M
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
2 Title HH business debt: Median HH credit card debt: Median HH HECS debt: Median
3 Median value of business Median value of credit card Median value of HECS debt
debt for households (HH) debt for households (HH) for households (HH) owing
Description owing business debt owing credit card debt HECS debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original
$'000, September 2018 $'000, September 2018 $'000, September 2018
6 Units prices prices prices
7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 80 4 21
13 Percentile of income
14 Less than 20 25 2 20
15 20-39.9 45 3 20
16 40-59.9 50 4 20
17 60-79.9 50 5 22
18 80-100 200 4 25
19 Age of reference person (years)
20 15-24 2 25
21 25-34 30 4 25
22 35-44 5 16
23 45-54 94 5 15
24 55-64 3 25
25 65-74 3 28
26 75 and over 2 0
27 Education of reference person
28 University degree or higher 5 24
29 Diploma 50 4 20
30 Finished year 12 3 20
31 Finished year 11 45 3 20
32 abour market status of reference person
33 Employee 60 4 22
34 Employer or self-employed 100 5 20
35 Unemployed 5 24
36 Retired 2 26
37 Other not in the labour force 2 20
38 State or Territory
39 NSW 105 4 23
40 Vic 3 24
41 Qld 50 3 20
42 SA 3 22
43 WA 100 5 15
44 Tas, ACT and NT 3 20
45 Housing status
46 Home owner - outright 3 23
47 Home owner - mortgage 80 4 20
48 Renter 4 23
49 Percentile of net worth
50 Less than 20 4 26
51 20-39.9 30 4 20
52 40-59.9 50 4 20
53 60-79.9 80 3 20
54 80-100 280 4 22
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Reserve Bank of Australia 755577689.xls
A N O
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
HH other personal debt:
2 Title Median HH debt: Median
05/18/202407:16:55 Page 5
Reserve Bank of Australia 755577689.xls
A B C D
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
Share of HH with home Share of HH with Share of HH with business
2 Title loan investment property loan debt
05/18/202407:16:55 Page 6
Reserve Bank of Australia 755577689.xls
A E F G
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
Share of HH with credit Share of HH with HECS Share of HH with other
2 Title card debt debt personal debt
05/18/202407:16:55 Page 7
Reserve Bank of Australia 755577689.xls
A H I J
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
HH investment property
2 Title Share of HH with debt HH home loan: Median loan: Median
05/18/202407:16:55 Page 8
Reserve Bank of Australia 755577689.xls
A K L M
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
2 Title HH business debt: Median HH credit card debt: Median HH HECS debt: Median
3 Median value of business Median value of credit card Median value of HECS debt
debt for households (HH) debt for households (HH) for households (HH) owing
Description owing business debt owing credit card debt HECS debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original
$'000, September 2018 $'000, September 2018 $'000, September 2018
6 Units prices prices prices
7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 85 4 18
13 Percentile of income
14 Less than 20 107 4 19
15 20-39.9 43 3 18
16 40-59.9 56 4 21
17 60-79.9 85 4 16
18 80-100 123 5 19
19 Age of reference person (years)
20 15-24 3 21
21 25-34 43 3 21
22 35-44 85 4 13
23 45-54 160 5 16
24 55-64 53 4 21
25 65-74 53 3 11
26 75 and over 2
27 Education of reference person
28 University degree or higher 139 4 21
29 Diploma 60 4 13
30 Finished year 12 53 4 19
31 Finished year 11 101 3 16
32 abour market status of reference person
33 Employee 101 4 18
34 Employer or self-employed 85 6 17
35 Unemployed 9 27
36 Retired 3 13
37 Other not in the labour force 4 21
38 State or Territory
39 NSW 107 4 21
40 Vic 101 4 17
41 Qld 53 4 16
42 SA 47 4 13
43 WA 107 4 21
44 Tas, ACT and NT 3 15
45 Housing status
46 Home owner - outright 107 2 17
47 Home owner - mortgage 96 4 17
48 Renter 53 4 19
49 Percentile of net worth
50 Less than 20 32 4 21
51 20-39.9 32 4 16
52 40-59.9 53 4 16
53 60-79.9 75 3 17
54 80-100 213 5 21
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Reserve Bank of Australia 755577689.xls
A N O
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
HH other personal debt:
2 Title Median HH debt: Median
05/18/202407:16:55 Page 10
Reserve Bank of Australia 755577689.xls
A B C D
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
Share of HH with home Share of HH with Share of HH with business
2 Title loan investment property loan debt
05/18/202407:16:55 Page 11
Reserve Bank of Australia 755577689.xls
A E F G
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
Share of HH with credit Share of HH with HECS Share of HH with other
2 Title card debt debt personal debt
05/18/202407:16:55 Page 12
Reserve Bank of Australia 755577689.xls
A H I J
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
HH investment property
2 Title Share of HH with debt HH home loan: Median loan: Median
05/18/202407:16:55 Page 13
Reserve Bank of Australia 755577689.xls
A K L M
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
2 Title HH business debt: Median HH credit card debt: Median HH HECS debt: Median
3 Median value of business Median value of credit card Median value of HECS debt
debt for households (HH) debt for households (HH) for households (HH) owing
Description owing business debt owing credit card debt HECS debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original
$'000, September 2018 $'000, September 2018 $'000, September 2018
6 Units prices prices prices
7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 82 4 17
13 Percentile of income
14 Less than 20 41 3 18
15 20-39.9 82 4 18
16 40-59.9 52 4 17
17 60-79.9 76 5 16
18 80-100 176 6 17
19 Age of reference person (years)
20 15-24 44 3 21
21 25-34 71 4 18
22 35-44 68 5 9
23 45-54 165 5 14
24 55-64 94 4 18
25 65-74 71 3
26 75 and over 2
27 Education of reference person
28 University degree or higher 59 5 19
29 Diploma 106 4 13
30 Finished year 12 235 4 15
31 Finished year 11 82 4 12
32 abour market status of reference person
33 Employee 118 4 18
34 Employer or self-employed 47 7 14
35 Unemployed 8 18
36 Retired 2
37 Other not in the labour force 4 15
38 State or Territory
39 NSW 71 4 18
40 Vic 94 4 18
41 Qld 101 4 15
42 SA 41 4 13
43 WA 94 5 18
44 Tas, ACT and NT 86 5 17
45 Housing status
46 Home owner - outright 176 3 14
47 Home owner - mortgage 106 5 14
48 Renter 59 4 19
49 Percentile of net worth
50 Less than 20 47 4 20
51 20-39.9 35 4 16
52 40-59.9 71 4 14
53 60-79.9 71 6 14
54 80-100 235 4 18
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Reserve Bank of Australia 755577689.xls
A N O
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
HH other personal debt:
2 Title Median HH debt: Median
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Reserve Bank of Australia 755577689.xls
A B C D
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
Share of HH with home Share of HH with Share of HH with business
2 Title loan investment property loan debt
05/18/202407:16:55 Page 16
Reserve Bank of Australia 755577689.xls
A E F G
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
Share of HH with credit Share of HH with HECS Share of HH with other
2 Title card debt debt personal debt
05/18/202407:16:55 Page 17
Reserve Bank of Australia 755577689.xls
A H I J
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
HH investment property
2 Title Share of HH with debt HH home loan: Median loan: Median
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Reserve Bank of Australia 755577689.xls
A K L M
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
2 Title HH business debt: Median HH credit card debt: Median HH HECS debt: Median
3 Median value of business Median value of credit card Median value of HECS debt
debt for households (HH) debt for households (HH) for households (HH) owing
Description owing business debt owing credit card debt HECS debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original
$'000, September 2018 $'000, September 2018 $'000, September 2018
6 Units prices prices prices
7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 98 4 13
13 Percentile of income
14 Less than 20 105 2 16
15 20-39.9 26 3 14
16 40-59.9 67 4 10
17 60-79.9 92 4 12
18 80-100 5 13
19 Age of reference person (years)
20 15-24 196 3 18
21 25-34 98 4 13
22 35-44 72 5 8
23 45-54 92 4 12
24 55-64 131 4 14
25 65-74 65 2
26 75 and over 2
27 Education of reference person
28 University degree or higher 92 4 16
29 Diploma 98 4 8
30 Finished year 12 131 4 14
31 Finished year 11 103 3 9
32 abour market status of reference person
33 Employee 118 4 13
34 Employer or self-employed 65 4 16
35 Unemployed 4 10
36 Retired 2 14
37 Other not in the labour force 72 3 18
38 State or Territory
39 NSW 137 4 13
40 Vic 92 4 14
41 Qld 105 4 10
42 SA 52 3 13
43 WA 131 4 10
44 Tas, ACT and NT 4 12
45 Housing status
46 Home owner - outright 196 3 13
47 Home owner - mortgage 98 4 10
48 Renter 39 4 14
49 Percentile of net worth
50 Less than 20 52 3 16
51 20-39.9 46 4 10
52 40-59.9 39 4 10
53 60-79.9 131 4 10
54 80-100 144 4 13
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Reserve Bank of Australia 755577689.xls
A N O
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
HH other personal debt:
2 Title Median HH debt: Median
05/18/202407:16:55 Page 20
Reserve Bank of Australia 755577689.xls
A B C D
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
Share of HH with home Share of HH with Share of HH with business
2 Title loan investment property loan debt
05/18/202407:16:55 Page 21
Reserve Bank of Australia 755577689.xls
A E F G
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
Share of HH with credit Share of HH with HECS Share of HH with other
2 Title card debt debt personal debt
05/18/202407:16:55 Page 22
Reserve Bank of Australia 755577689.xls
A H I J
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
HH investment property
2 Title Share of HH with debt HH home loan: Median loan: Median
05/18/202407:16:55 Page 23
Reserve Bank of Australia 755577689.xls
A K L M
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
2 Title HH business debt: Median HH credit card debt: Median HH HECS debt: Median
3 Median value of business Median value of credit card Median value of HECS debt
debt for households (HH) debt for households (HH) for households (HH) owing
Description owing business debt owing credit card debt HECS debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original
$'000, September 2018 $'000, September 2018 $'000, September 2018
6 Units prices prices prices
7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 74 3 12
13 Percentile of income
14 Less than 20 37 2 10
15 20-39.9 59 3 12
16 40-59.9 37 3 10
17 60-79.9 74 3 12
18 80-100 88 4 12
19 Age of reference person (years)
20 15-24 2 15
21 25-34 59 3 10
22 35-44 74 3 6
23 45-54 74 3 15
24 55-64 59 3 11
25 65-74 2
26 75 and over 2
27 Education of reference person
28 University degree or higher 74 3 13
29 Diploma 61 3 7
30 Finished year 12 74 3 15
31 Finished year 11 44 3 10
32 abour market status of reference person
33 Employee 74 3 12
34 Employer or self-employed 60 4 10
35 Unemployed 3 7
36 Retired 1
37 Other not in the labour force 37 2 10
38 State or Territory
39 NSW 61 3 12
40 Vic 74 3 12
41 Qld 59 3 9
42 SA 74 2 13
43 WA 74 4 13
44 Tas, ACT and NT 96 3 12
45 Housing status
46 Home owner - outright 74 2 13
47 Home owner - mortgage 74 3 11
48 Renter 29 3 11
49 Percentile of net worth
50 Less than 20 24 3 12
51 20-39.9 21 3 10
52 40-59.9 44 3 10
53 60-79.9 74 3 12
54 80-100 132 3 14
05/18/202407:16:56 Page 24
Reserve Bank of Australia 755577689.xls
A N O
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
HH other personal debt:
2 Title Median HH debt: Median
05/18/202407:16:56 Page 25
E7 HOUSEHOLD DEBT – DISTRIBUTION
Data in this table were extracted from HILDA Release 18.0 (unconfidentialised data set), Melbourne Institute of Applied Economic and
Social Research, which provides unit record responses from around 9 000 households. Wealth and income data in this article are based
actual responses, or imputed responses if answers were missing. Data are weighted to be representative of the population as a whole. T
enable comparison across time, an adjustment was also made for the change in purchasing power between periods by converting the
values in earlier surveys to September 2018 dollars using the consumer price index. Household characteristics such as age, education a
labour force status are based on the household reference person, who was chosen from household members as the person with the
highest income, highest salary, labour force status, age and respondent number, in that order.
Household are only recorded as having assets or debt of a particular type if they had a positive balance in the asset or debt. Thus a
number of households with bank accounts, credit cards or business assets or debt with zero balances were excluded from the group of
households possessing these assets or debts. Results which are based on less than 0.2 per cent of the sample are not reported.
Note that additional households have been included in the sample from HILDA Release 11.0 onwards. While this change has improved t
coverage of the survey, it makes it difficult to compare the cross-sectional results from 2014 onwards with the results published for previo
years (or wealth modules). For more information on the top-up sample, see:
<http://onlinelibrary.wiley.com/doi/10.1111/1467-8462.12027/abstract>.
HILDA Disclaimer Notice: please see <http://www.rba.gov.au/disclaimer/hilda-disclaimer.html>.