Trends in Housing Stress

Ann Harding, Ben Phillips, Simon Kelly

Research output: Contribution to conference (non-published works)Abstract


This paper examines trends in housing stress between 1998 and 2004, using specially created versions of NATSEM’s STINMOD model. For the latter year, NATSEM was required to update the ABS 1999-00 and 2000-01 Surveys of Income and Housing Costs to 2004 estimates. While we employed what we consider to be reasonable assumptions to undertake this updating, the results can only be regarded as indicative for 2004. The definition of housing stress used in the study was that housing costs were greater than 30 per cent of disposable income and that the income unit was in the bottom 40 per cent of the income distribution. Using this definition, the study suggested that, by 2004, 8.8 per cent of income units were experiencing housing stress, down from 10.7 per cent in 1998. However, this definition of housing stress excluded the majority of home purchasers, only a small proportion of whom fell into the bottom 40 per cent of the income distribution. The study supported public perceptions about problems of housing affordability for first home buyers, with mortgage repayments as a percentage of disposable income increasing during the past six years for first home buyers.
Original languageEnglish
Number of pages16
Publication statusPublished - 2004
EventThe National Housing Affordability Summit - Canberra, Australia
Duration: 27 Jun 200429 Jun 2004


ConferenceThe National Housing Affordability Summit


Dive into the research topics of 'Trends in Housing Stress'. Together they form a unique fingerprint.

Cite this