% of disposable income - Source frequency: 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.
Lower is better
Source: RBA Table E2 — Household Finances; ABS National Accounts
GREEN = favorable trend within acceptable band of baseline. AMBER = flat or mild change. RED = unfavorable trend beyond threshold.
