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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

3 Per cent of households Per cent of households


(HH) owing owner-occupier (HH) owing investment Per cent of households
Description housing debt property debt (HH) owing business debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original

6 Units Per cent Per cent Per cent


7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 34 11 2
13 Percentile of income
14 Less than 20 8 2 1
15 20-39.9 21 4 1
16 40-59.9 39 9 3
17 60-79.9 54 16 4
18 80-100 57 26 5
19 Age of reference person (years)
20 15-24 9 2 1
21 25-34 34 11 2
22 35-44 54 17 4
23 45-54 51 14 3
24 55-64 40 14 3
25 65-74 14 5 1
26 75 and over 5 1 0
27 Education of reference person
28 University degree or higher 44 17 2
29 Diploma 41 12 3
30 Finished year 12 28 8 2
31 Finished year 11 18 4 2
32 abour market status of reference person
33 Employee 45 13 1
34 Employer or self-employed 46 19 16
35 Unemployed 17 5 0
36 Retired 9 3 0
37 Other not in the labour force 15 4 1
38 State or Territory
39 NSW 30 12 2
40 Vic 35 11 3
41 Qld 33 9 2
42 SA 35 9 3
43 WA 38 12 3
44 Tas, ACT and NT 40 12 2
45 Housing status
46 Home owner - outright 10 12 2
47 Home owner - mortgage 100 15 5
48 Renter 0 7 1
49 Percentile of net worth
50 Less than 20 3 2 1
51 20-39.9 37 7 2
52 40-59.9 51 11 2
53 60-79.9 48 15 3
54 80-100 37 21 6

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

3 Per cent of households


Per cent of households Per cent of households (HH) owing other personal
Description (HH) owing credit card debt (HH) owing HECS debt debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original

6 Units Per cent Per cent Per cent


7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 20 22 33
13 Percentile of income
14 Less than 20 10 12 17
15 20-39.9 17 18 29
16 40-59.9 25 24 41
17 60-79.9 28 29 41
18 80-100 22 28 38
19 Age of reference person (years)
20 15-24 10 48 43
21 25-34 20 40 47
22 35-44 25 20 41
23 45-54 30 23 42
24 55-64 23 17 28
25 65-74 13 3 11
26 75 and over 6 1 6
27 Education of reference person
28 University degree or higher 20 35 27
29 Diploma 21 22 29
30 Finished year 12 18 28 35
31 Finished year 11 14 7 28
32 abour market status of reference person
33 Employee 25 29 41
34 Employer or self-employed 24 23 36
35 Unemployed 12 21 40
36 Retired 9 2 8
37 Other not in the labour force 12 21 36
38 State or Territory
39 NSW 19 21 30
40 Vic 20 25 30
41 Qld 20 22 37
42 SA 21 18 33
43 WA 19 17 36
44 Tas, ACT and NT 20 20 36
45 Housing status
46 Home owner - outright 11 11 14
47 Home owner - mortgage 30 25 40
48 Renter 19 29 43
49 Percentile of net worth
50 Less than 20 16 33 44
51 20-39.9 27 24 46
52 40-59.9 24 17 28
53 60-79.9 20 16 23
54 80-100 13 17 20

05/18/202407:16:55 Page 2
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

Median value of owner-


occupier housing debt for Median value of investment
3 households (HH) owing property debt for
Per cent of households owner-occupier housing households (HH) owing
Description (HH) owing any debt debt investment property debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original
$'000, September 2018 $'000, September 2018
6 Units Per cent prices prices
7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 68 280 320
13 Percentile of income
14 Less than 20 41 87 165
15 20-39.9 63 183 200
16 40-59.9 79 275 260
17 60-79.9 85 295 320
18 80-100 83 350 380
19 Age of reference person (years)
20 15-24 79 303
21 25-34 86 335 300
22 35-44 88 350 363
23 45-54 85 283 300
24 55-64 69 190 310
25 65-74 33 105 220
26 75 and over 16 90
27 Education of reference person
28 University degree or higher 78 400 372
29 Diploma 70 260 340
30 Finished year 12 72 250 260
31 Finished year 11 48 187 260
32 abour market status of reference person
33 Employee 84 294 310
34 Employer or self-employed 80 360 400
35 Unemployed 71 200
36 Retired 25 80 220
37 Other not in the labour force 67 220 310
38 State or Territory
39 NSW 66 300 325
40 Vic 69 275 346
41 Qld 69 260 290
42 SA 68 230 380
43 WA 67 319 380
44 Tas, ACT and NT 73 260 270
45 Housing status
46 Home owner - outright 40 300
47 Home owner - mortgage 100 290 363
48 Renter 69 280
49 Percentile of net worth
50 Less than 20 71 410 380
51 20-39.9 78 275 220
52 40-59.9 69 278 297
53 60-79.9 65 250 305
54 80-100 61 300 390

05/18/202407:16:55 Page 3
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

05/18/202407:16:55 Page 4
Reserve Bank of Australia 755577689.xls
A N O
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
HH other personal debt:
2 Title Median HH debt: Median

Median value of other


3 personal debt for Median value of debt for
households (HH) owing households (HH) owing any
Description other personal debt debt
4 Frequency Every 4 years Every 4 years
5 Type Original Original
$'000, September 2018 $'000, September 2018
6 Units prices prices
7
8
9 Source RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020
12 All Households 14 143
13 Percentile of income
14 Less than 20 2 10
15 20-39.9 8 30
16 40-59.9 15 104
17 60-79.9 17 237
18 80-100 24 371
19 Age of reference person (years)
20 15-24 10 28
21 25-34 15 86
22 35-44 15 260
23 45-54 16 204
24 55-64 12 125
25 65-74 9 30
26 75 and over 6 10
27 Education of reference person
28 University degree or higher 20 300
29 Diploma 16 200
30 Finished year 12 11 78
31 Finished year 11 9 31
32 abour market status of reference person
33 Employee 16 195
34 Employer or self-employed 20 317
35 Unemployed 4 32
36 Retired 4 15
37 Other not in the labour force 5 20
38 State or Territory
39 NSW 12 114
40 Vic 16 146
41 Qld 14 122
42 SA 15 136
43 WA 14 224
44 Tas, ACT and NT 14 122
45 Housing status
46 Home owner - outright 20 60
47 Home owner - mortgage 18 335
48 Renter 10 20
49 Percentile of net worth
50 Less than 20 9 20
51 20-39.9 14 82
52 40-59.9 15 258
53 60-79.9 16 250
54 80-100 30 302

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

3 Per cent of households Per cent of households


(HH) owing owner-occupier (HH) owing investment Per cent of households
Description housing debt property debt (HH) owing business debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original

6 Units Per cent Per cent Per cent


7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 36 11 3
13 Percentile of income
14 Less than 20 12 3 1
15 20-39.9 20 4 2
16 40-59.9 34 9 2
17 60-79.9 51 15 4
18 80-100 61 23 5
19 Age of reference person (years)
20 15-24 18 4 1
21 25-34 36 13 2
22 35-44 52 13 4
23 45-54 52 15 5
24 55-64 36 13 3
25 65-74 14 4 1
26 75 and over 3 1 0
27 Education of reference person
28 University degree or higher 45 16 3
29 Diploma 39 11 3
30 Finished year 12 32 10 3
31 Finished year 11 21 4 2
32 abour market status of reference person
33 Employee 46 14 3
34 Employer or self-employed 46 16 13
35 Unemployed 28 4 0
36 Retired 8 2 0
37 Other not in the labour force 17 5 1
38 State or Territory
39 NSW 31 11 2
40 Vic 36 10 3
41 Qld 37 10 2
42 SA 38 10 3
43 WA 41 14 3
44 Tas, ACT and NT 43 11 3
45 Housing status
46 Home owner - outright 0 9 2
47 Home owner - mortgage 100 14 5
48 Renter 0 10 2
49 Percentile of net worth
50 Less than 20 5 2 2
51 20-39.9 38 7 1
52 40-59.9 51 11 3
53 60-79.9 48 12 3
54 80-100 37 22 6

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

3 Per cent of households


Per cent of households Per cent of households (HH) owing other personal
Description (HH) owing credit card debt (HH) owing HECS debt debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original

6 Units Per cent Per cent Per cent


7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 24 20 36
13 Percentile of income
14 Less than 20 14 12 21
15 20-39.9 20 15 33
16 40-59.9 27 18 39
17 60-79.9 30 24 43
18 80-100 29 31 43
19 Age of reference person (years)
20 15-24 20 47 47
21 25-34 26 31 50
22 35-44 29 18 47
23 45-54 34 24 43
24 55-64 24 18 29
25 65-74 13 4 13
26 75 and over 6 1 4
27 Education of reference person
28 University degree or higher 25 33 32
29 Diploma 26 16 41
30 Finished year 12 27 24 41
31 Finished year 11 19 7 31
32 abour market status of reference person
33 Employee 30 25 43
34 Employer or self-employed 33 19 37
35 Unemployed 24 23 55
36 Retired 8 3 9
37 Other not in the labour force 14 17 35
38 State or Territory
39 NSW 23 18 33
40 Vic 23 23 35
41 Qld 27 21 42
42 SA 23 16 35
43 WA 26 19 35
44 Tas, ACT and NT 27 18 39
45 Housing status
46 Home owner - outright 12 10 15
47 Home owner - mortgage 33 24 45
48 Renter 25 24 45
49 Percentile of net worth
50 Less than 20 23 27 50
51 20-39.9 32 20 47
52 40-59.9 26 16 33
53 60-79.9 24 18 28
54 80-100 15 19 23

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

Median value of owner-


occupier housing debt for Median value of investment
3 households (HH) owing property debt for
Per cent of households owner-occupier housing households (HH) owing
Description (HH) owing any debt debt investment property debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original
$'000, September 2018 $'000, September 2018
6 Units Per cent prices prices
7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 69 261 295
13 Percentile of income
14 Less than 20 43 107 211
15 20-39.9 60 166 213
16 40-59.9 71 221 251
17 60-79.9 84 285 277
18 80-100 89 331 373
19 Age of reference person (years)
20 15-24 84 233 224
21 25-34 85 320 320
22 35-44 83 309 307
23 45-54 84 235 297
24 55-64 68 171 283
25 65-74 34 84 192
26 75 and over 12 54
27 Education of reference person
28 University degree or higher 78 320 341
29 Diploma 71 235 272
30 Finished year 12 78 267 226
31 Finished year 11 51 186 315
32 abour market status of reference person
33 Employee 83 271 311
34 Employer or self-employed 78 286 245
35 Unemployed 82 299
36 Retired 23 73 192
37 Other not in the labour force 61 129 235
38 State or Territory
39 NSW 67 288 320
40 Vic 68 235 267
41 Qld 72 256 293
42 SA 68 208 203
43 WA 70 300 332
44 Tas, ACT and NT 77 240 331
45 Housing status
46 Home owner - outright 34 245
47 Home owner - mortgage 100 261 320
48 Renter 67 293
49 Percentile of net worth
50 Less than 20 68 363 443
51 20-39.9 76 277 293
52 40-59.9 71 256 288
53 60-79.9 67 245 267
54 80-100 63 256 320

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

05/18/202407:16:55 Page 9
Reserve Bank of Australia 755577689.xls
A N O
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
HH other personal debt:
2 Title Median HH debt: Median

Median value of other


3 personal debt for Median value of debt for
households (HH) owing households (HH) owing any
Description other personal debt debt
4 Frequency Every 4 years Every 4 years
5 Type Original Original
$'000, September 2018 $'000, September 2018
6 Units prices prices
7
8
9 Source RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020
12 All Households 14 127
13 Percentile of income
14 Less than 20 3 16
15 20-39.9 7 28
16 40-59.9 11 98
17 60-79.9 18 229
18 80-100 27 352
19 Age of reference person (years)
20 15-24 11 27
21 25-34 13 97
22 35-44 17 224
23 45-54 15 187
24 55-64 11 108
25 65-74 5 26
26 75 and over 4 8
27 Education of reference person
28 University degree or higher 19 251
29 Diploma 13 132
30 Finished year 12 15 62
31 Finished year 11 8 32
32 abour market status of reference person
33 Employee 16 173
34 Employer or self-employed 15 207
35 Unemployed 6 32
36 Retired 5 14
37 Other not in the labour force 2 19
38 State or Territory
39 NSW 15 110
40 Vic 13 128
41 Qld 15 107
42 SA 11 112
43 WA 14 187
44 Tas, ACT and NT 13 148
45 Housing status
46 Home owner - outright 11 21
47 Home owner - mortgage 17 311
48 Renter 11 21
49 Percentile of net worth
50 Less than 20 9 17
51 20-39.9 15 115
52 40-59.9 13 213
53 60-79.9 18 215
54 80-100 25 251

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

3 Per cent of households Per cent of households


(HH) owing owner-occupier (HH) owing investment Per cent of households
Description housing debt property debt (HH) owing business debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original

6 Units Per cent Per cent Per cent


7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 37 10 4
13 Percentile of income
14 Less than 20 13 3 2
15 20-39.9 21 4 3
16 40-59.9 35 9 4
17 60-79.9 52 11 3
18 80-100 63 24 8
19 Age of reference person (years)
20 15-24 20 3 2
21 25-34 40 12 4
22 35-44 53 14 5
23 45-54 51 14 7
24 55-64 35 10 3
25 65-74 9 3 2
26 75 and over 3 1 0
27 Education of reference person
28 University degree or higher 50 16 5
29 Diploma 40 11 5
30 Finished year 12 33 8 4
31 Finished year 11 23 5 2
32 abour market status of reference person
33 Employee 48 14 4
34 Employer or self-employed 40 13 18
35 Unemployed 15 2 2
36 Retired 7 2 0
37 Other not in the labour force 19 4 1
38 State or Territory
39 NSW 34 10 4
40 Vic 36 10 4
41 Qld 39 11 4
42 SA 36 8 3
43 WA 41 11 6
44 Tas, ACT and NT 43 14 4
45 Housing status
46 Home owner - outright 0 9 3
47 Home owner - mortgage 100 12 6
48 Renter 0 9 3
49 Percentile of net worth
50 Less than 20 6 2 1
51 20-39.9 41 9 3
52 40-59.9 49 10 4
53 60-79.9 48 11 5
54 80-100 39 20 7

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

3 Per cent of households


Per cent of households Per cent of households (HH) owing other personal
Description (HH) owing credit card debt (HH) owing HECS debt debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original

6 Units Per cent Per cent Per cent


7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 29 16 38
13 Percentile of income
14 Less than 20 15 11 22
15 20-39.9 22 11 33
16 40-59.9 35 17 43
17 60-79.9 37 21 46
18 80-100 35 23 46
19 Age of reference person (years)
20 15-24 23 32 53
21 25-34 32 31 52
22 35-44 38 14 49
23 45-54 35 18 42
24 55-64 28 11 30
25 65-74 13 1 10
26 75 and over 6 1 5
27 Education of reference person
28 University degree or higher 29 32 38
29 Diploma 33 13 41
30 Finished year 12 31 19 41
31 Finished year 11 22 5 34
32 abour market status of reference person
33 Employee 35 21 46
34 Employer or self-employed 33 17 40
35 Unemployed 19 20 50
36 Retired 9 2 8
37 Other not in the labour force 20 10 37
38 State or Territory
39 NSW 28 15 34
40 Vic 27 19 36
41 Qld 31 17 44
42 SA 28 15 41
43 WA 32 16 40
44 Tas, ACT and NT 26 13 42
45 Housing status
46 Home owner - outright 15 8 18
47 Home owner - mortgage 39 20 45
48 Renter 30 20 48
49 Percentile of net worth
50 Less than 20 27 23 51
51 20-39.9 36 17 47
52 40-59.9 33 13 34
53 60-79.9 28 15 31
54 80-100 19 14 26

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

Median value of owner-


occupier housing debt for Median value of investment
3 households (HH) owing property debt for
Per cent of households owner-occupier housing households (HH) owing
Description (HH) owing any debt debt investment property debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original
$'000, September 2018 $'000, September 2018
6 Units Per cent prices prices
7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 70 235 271
13 Percentile of income
14 Less than 20 43 99 103
15 20-39.9 58 155 229
16 40-59.9 77 221 198
17 60-79.9 85 235 282
18 80-100 90 329 353
19 Age of reference person (years)
20 15-24 81 196 341
21 25-34 87 315 244
22 35-44 87 267 269
23 45-54 82 200 353
24 55-64 66 165 225
25 65-74 27 59 118
26 75 and over 12 59
27 Education of reference person
28 University degree or higher 82 294 314
29 Diploma 73 229 241
30 Finished year 12 75 235 235
31 Finished year 11 54 176 253
32 abour market status of reference person
33 Employee 85 249 282
34 Employer or self-employed 76 261 248
35 Unemployed 71 220
36 Retired 22 72 206
37 Other not in the labour force 57 106 165
38 State or Territory
39 NSW 68 247 247
40 Vic 69 229 262
41 Qld 74 235 271
42 SA 68 212 220
43 WA 72 282 329
44 Tas, ACT and NT 76 181 223
45 Housing status
46 Home owner - outright 36 259
47 Home owner - mortgage 100 235 323
48 Renter 69 235
49 Percentile of net worth
50 Less than 20 69 348 341
51 20-39.9 79 246 212
52 40-59.9 71 223 235
53 60-79.9 69 215 282
54 80-100 64 239 322

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

05/18/202407:16:55 Page 14
Reserve Bank of Australia 755577689.xls
A N O
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
HH other personal debt:
2 Title Median HH debt: Median

Median value of other


3 personal debt for Median value of debt for
households (HH) owing households (HH) owing any
Description other personal debt debt
4 Frequency Every 4 years Every 4 years
5 Type Original Original
$'000, September 2018 $'000, September 2018
6 Units prices prices
7
8
9 Source RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020
12 All Households 14 118
13 Percentile of income
14 Less than 20 3 18
15 20-39.9 7 29
16 40-59.9 12 72
17 60-79.9 17 165
18 80-100 28 353
19 Age of reference person (years)
20 15-24 10 25
21 25-34 14 138
22 35-44 16 192
23 45-54 13 154
24 55-64 15 76
25 65-74 6 14
26 75 and over 3 6
27 Education of reference person
28 University degree or higher 18 222
29 Diploma 14 127
30 Finished year 12 14 57
31 Finished year 11 9 35
32 abour market status of reference person
33 Employee 16 167
34 Employer or self-employed 17 148
35 Unemployed 4 18
36 Retired 4 11
37 Other not in the labour force 4 21
38 State or Territory
39 NSW 12 109
40 Vic 12 118
41 Qld 15 113
42 SA 12 88
43 WA 16 176
44 Tas, ACT and NT 13 129
45 Housing status
46 Home owner - outright 14 22
47 Home owner - mortgage 18 278
48 Renter 10 19
49 Percentile of net worth
50 Less than 20 8 17
51 20-39.9 12 128
52 40-59.9 14 193
53 60-79.9 18 183
54 80-100 34 244

05/18/202407:16:55 Page 15
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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

3 Per cent of households Per cent of households


(HH) owing owner-occupier (HH) owing investment Per cent of households
Description housing debt property debt (HH) owing business debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original

6 Units Per cent Per cent Per cent


7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 35 10 5
13 Percentile of income
14 Less than 20 11 3 2
15 20-39.9 21 4 3
16 40-59.9 37 8 5
17 60-79.9 51 12 5
18 80-100 58 23 8
19 Age of reference person (years)
20 15-24 20 5 3
21 25-34 40 10 5
22 35-44 55 13 8
23 45-54 49 14 6
24 55-64 28 11 3
25 65-74 6 3 1
26 75 and over 4 0 0
27 Education of reference person
28 University degree or higher 44 16 6
29 Diploma 41 10 5
30 Finished year 12 35 8 5
31 Finished year 11 24 5 3
32 abour market status of reference person
33 Employee 46 13 5
34 Employer or self-employed 43 16 20
35 Unemployed 21 5 0
36 Retired 5 2 0
37 Other not in the labour force 18 4 2
38 State or Territory
39 NSW 33 10 4
40 Vic 34 9 4
41 Qld 37 11 5
42 SA 34 7 5
43 WA 41 10 7
44 Tas, ACT and NT 40 10 3
45 Housing status
46 Home owner - outright 0 8 4
47 Home owner - mortgage 100 12 7
48 Renter 0 9 3
49 Percentile of net worth
50 Less than 20 5 1 2
51 20-39.9 42 8 2
52 40-59.9 49 8 3
53 60-79.9 46 12 6
54 80-100 36 21 10

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

3 Per cent of households


Per cent of households Per cent of households (HH) owing other personal
Description (HH) owing credit card debt (HH) owing HECS debt debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original

6 Units Per cent Per cent Per cent


7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 29 14 39
13 Percentile of income
14 Less than 20 16 9 24
15 20-39.9 22 12 33
16 40-59.9 36 15 42
17 60-79.9 39 16 47
18 80-100 34 19 49
19 Age of reference person (years)
20 15-24 28 33 56
21 25-34 36 26 54
22 35-44 37 12 48
23 45-54 35 15 45
24 55-64 28 6 29
25 65-74 14 2 9
26 75 and over 5 0 4
27 Education of reference person
28 University degree or higher 30 29 40
29 Diploma 32 11 42
30 Finished year 12 34 19 45
31 Finished year 11 24 4 33
32 abour market status of reference person
33 Employee 36 19 47
34 Employer or self-employed 35 13 47
35 Unemployed 29 11 61
36 Retired 10 1 6
37 Other not in the labour force 18 9 37
38 State or Territory
39 NSW 29 13 38
40 Vic 28 16 37
41 Qld 33 13 44
42 SA 29 12 39
43 WA 25 16 38
44 Tas, ACT and NT 34 15 41
45 Housing status
46 Home owner - outright 16 7 20
47 Home owner - mortgage 39 15 46
48 Renter 31 20 50
49 Percentile of net worth
50 Less than 20 30 20 53
51 20-39.9 38 16 45
52 40-59.9 31 11 33
53 60-79.9 28 12 34
54 80-100 21 11 30

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

Median value of owner-


occupier housing debt for Median value of investment
3 households (HH) owing property debt for
Per cent of households owner-occupier housing households (HH) owing
Description (HH) owing any debt debt investment property debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original
$'000, September 2018 $'000, September 2018
6 Units Per cent prices prices
7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 70 190 223
13 Percentile of income
14 Less than 20 44 81 288
15 20-39.9 59 131 137
16 40-59.9 77 158 171
17 60-79.9 85 196 183
18 80-100 87 262 288
19 Age of reference person (years)
20 15-24 83 190 196
21 25-34 89 249 236
22 35-44 88 196 249
23 45-54 83 157 229
24 55-64 59 111 184
25 65-74 27 52 131
26 75 and over 11 26
27 Education of reference person
28 University degree or higher 80 236 249
29 Diploma 74 183 236
30 Finished year 12 80 181 164
31 Finished year 11 55 148 196
32 abour market status of reference person
33 Employee 85 196 223
34 Employer or self-employed 84 170 262
35 Unemployed 78 236
36 Retired 19 65 151
37 Other not in the labour force 61 105 147
38 State or Territory
39 NSW 68 223 262
40 Vic 68 171 209
41 Qld 74 196 196
42 SA 69 131 196
43 WA 74 190 242
44 Tas, ACT and NT 77 167 202
45 Housing status
46 Home owner - outright 37 223
47 Home owner - mortgage 100 190 236
48 Renter 71 216
49 Percentile of net worth
50 Less than 20 70 288 386
51 20-39.9 79 211 209
52 40-59.9 69 181 184
53 60-79.9 70 157 236
54 80-100 64 196 236

05/18/202407:16:55 Page 18
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

05/18/202407:16:55 Page 19
Reserve Bank of Australia 755577689.xls
A N O
1 E7 HOUSEHOLD DEBT – DISTRIBUTION
HH other personal debt:
2 Title Median HH debt: Median

Median value of other


3 personal debt for Median value of debt for
households (HH) owing households (HH) owing any
Description other personal debt debt
4 Frequency Every 4 years Every 4 years
5 Type Original Original
$'000, September 2018 $'000, September 2018
6 Units prices prices
7
8
9 Source RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020
12 All Households 13 87
13 Percentile of income
14 Less than 20 2 12
15 20-39.9 7 26
16 40-59.9 12 60
17 60-79.9 20 143
18 80-100 26 268
19 Age of reference person (years)
20 15-24 7 20
21 25-34 13 82
22 35-44 13 157
23 45-54 16 122
24 55-64 14 71
25 65-74 5 6
26 75 and over 4 9
27 Education of reference person
28 University degree or higher 18 168
29 Diploma 13 99
30 Finished year 12 12 61
31 Finished year 11 8 39
32 abour market status of reference person
33 Employee 15 122
34 Employer or self-employed 18 140
35 Unemployed 3 16
36 Retired 5 8
37 Other not in the labour force 3 13
38 State or Territory
39 NSW 13 88
40 Vic 14 80
41 Qld 13 87
42 SA 9 63
43 WA 14 131
44 Tas, ACT and NT 7 73
45 Housing status
46 Home owner - outright 13 19
47 Home owner - mortgage 16 225
48 Renter 9 17
49 Percentile of net worth
50 Less than 20 7 13
51 20-39.9 13 94
52 40-59.9 14 153
53 60-79.9 14 157
54 80-100 26 208

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

3 Per cent of households Per cent of households


(HH) owing owner-occupier (HH) owing investment Per cent of households
Description housing debt property debt (HH) owing business debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original

6 Units Per cent Per cent Per cent


7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 34 8 5
13 Percentile of income
14 Less than 20 12 3 4
15 20-39.9 18 4 3
16 40-59.9 33 6 4
17 60-79.9 49 9 5
18 80-100 57 17 9
19 Age of reference person (years)
20 15-24 17 4 2
21 25-34 39 7 4
22 35-44 53 12 8
23 45-54 47 10 7
24 55-64 22 9 5
25 65-74 5 0 2
26 75 and over 2 1 1
27 Education of reference person
28 University degree or higher 45 12 6
29 Diploma 39 9 6
30 Finished year 12 31 7 6
31 Finished year 11 23 4 4
32 abour market status of reference person
33 Employee 45 10 5
34 Employer or self-employed 37 14 25
35 Unemployed 20 1 0
36 Retired 5 1 0
37 Other not in the labour force 19 3 2
38 State or Territory
39 NSW 31 7 5
40 Vic 33 7 4
41 Qld 36 10 4
42 SA 33 5 6
43 WA 40 8 8
44 Tas, ACT and NT 37 7 4
45 Housing status
46 Home owner - outright 0 6 5
47 Home owner - mortgage 100 9 7
48 Renter 0 7 3
49 Percentile of net worth
50 Less than 20 6 1 2
51 20-39.9 37 5 3
52 40-59.9 48 6 4
53 60-79.9 43 9 6
54 80-100 34 16 10

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

3 Per cent of households


Per cent of households Per cent of households (HH) owing other personal
Description (HH) owing credit card debt (HH) owing HECS debt debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original

6 Units Per cent Per cent Per cent


7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 31 14 32
13 Percentile of income
14 Less than 20 19 10 15
15 20-39.9 24 11 24
16 40-59.9 35 15 35
17 60-79.9 41 15 42
18 80-100 38 19 44
19 Age of reference person (years)
20 15-24 31 35 44
21 25-34 39 24 47
22 35-44 41 11 40
23 45-54 35 15 36
24 55-64 25 7 21
25 65-74 13 1 5
26 75 and over 8 0 2
27 Education of reference person
28 University degree or higher 32 28 35
29 Diploma 34 12 35
30 Finished year 12 37 21 37
31 Finished year 11 26 5 26
32 abour market status of reference person
33 Employee 39 18 42
34 Employer or self-employed 37 11 40
35 Unemployed 26 14 31
36 Retired 12 1 5
37 Other not in the labour force 22 14 22
38 State or Territory
39 NSW 30 11 29
40 Vic 29 16 29
41 Qld 36 15 39
42 SA 29 15 33
43 WA 33 16 34
44 Tas, ACT and NT 31 14 35
45 Housing status
46 Home owner - outright 19 6 17
47 Home owner - mortgage 42 17 40
48 Renter 34 20 40
49 Percentile of net worth
50 Less than 20 29 23 38
51 20-39.9 43 14 41
52 40-59.9 33 10 29
53 60-79.9 28 10 27
54 80-100 23 12 26

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

Median value of owner-


occupier housing debt for Median value of investment
3 households (HH) owing property debt for
Per cent of households owner-occupier housing households (HH) owing
Description (HH) owing any debt debt investment property debt
4 Frequency Every 4 years Every 4 years Every 4 years
5 Type Original Original Original
$'000, September 2018 $'000, September 2018
6 Units Per cent prices prices
7
8
9 Source RBA RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020 18-Jun-2020
12 All Households 66 132 147
13 Percentile of income
14 Less than 20 40 84 74
15 20-39.9 50 74 103
16 40-59.9 71 121 118
17 60-79.9 82 131 146
18 80-100 86 177 196
19 Age of reference person (years)
20 15-24 73 131 191
21 25-34 81 162 165
22 35-44 84 143 147
23 45-54 79 110 132
24 55-64 53 88 147
25 65-74 22 62
26 75 and over 12 16
27 Education of reference person
28 University degree or higher 78 177 184
29 Diploma 70 131 147
30 Finished year 12 75 121 124
31 Finished year 11 52 103 131
32 abour market status of reference person
33 Employee 82 140 158
34 Employer or self-employed 77 132 126
35 Unemployed 57 127
36 Retired 20 53 74
37 Other not in the labour force 51 88 162
38 State or Territory
39 NSW 62 165 184
40 Vic 65 122 146
41 Qld 70 128 138
42 SA 64 96 118
43 WA 72 125 146
44 Tas, ACT and NT 68 121 132
45 Housing status
46 Home owner - outright 37 132
47 Home owner - mortgage 100 132 177
48 Renter 62 147
49 Percentile of net worth
50 Less than 20 60 125 106
51 20-39.9 73 121 132
52 40-59.9 68 132 132
53 60-79.9 64 128 147
54 80-100 64 147 177

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
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1 E7 HOUSEHOLD DEBT – DISTRIBUTION
HH other personal debt:
2 Title Median HH debt: Median

Median value of other


3 personal debt for Median value of debt for
households (HH) owing households (HH) owing any
Description other personal debt debt
4 Frequency Every 4 years Every 4 years
5 Type Original Original
$'000, September 2018 $'000, September 2018
6 Units prices prices
7
8
9 Source RBA RBA
10 Publication date 18-Jun-2020 18-Jun-2020
12 All Households 15 68
13 Percentile of income
14 Less than 20 7 15
15 20-39.9 10 22
16 40-59.9 12 46
17 60-79.9 15 94
18 80-100 26 168
19 Age of reference person (years)
20 15-24 11 22
21 25-34 15 68
22 35-44 15 109
23 45-54 15 80
24 55-64 18 49
25 65-74 7 7
26 75 and over 4
27 Education of reference person
28 University degree or higher 22 118
29 Diploma 15 85
30 Finished year 12 12 38
31 Finished year 11 12 43
32 abour market status of reference person
33 Employee 15 88
34 Employer or self-employed 22 119
35 Unemployed 5 19
36 Retired 10 5
37 Other not in the labour force 7 15
38 State or Territory
39 NSW 15 74
40 Vic 16 66
41 Qld 15 69
42 SA 10 56
43 WA 15 81
44 Tas, ACT and NT 10 67
45 Housing status
46 Home owner - outright 15 16
47 Home owner - mortgage 18 155
48 Renter 12 15
49 Percentile of net worth
50 Less than 20 10 15
51 20-39.9 12 61
52 40-59.9 18 113
53 60-79.9 18 110
54 80-100 26 139

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>.

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