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{{propApi.successMessage}} {{region}} Change locationA shortfall of 2 million homes
A shortfall of 2 million homes
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HIA’s recent Affordability Report revealed that housing across the country is still around its least affordable in HIA’s data back to the mid-1990s.
Even with the boost to borrowing power thanks to recent interest rate cuts, it still takes 1.7 average incomes to comfortably service a mortgage on a median priced dwelling in Australia, when an ‘affordable’ home should require only one average income .
Moreover, dwelling prices have started re-accelerating on the back of these rate cuts, plus ongoing population growth, a well-employed workforce, and increasingly binding land constraints across the country.
This implies affordability is set to worsen even further in 2026 and beyond.
For more information please contact:
Macroprudential Restrictions and Housing Supply in Australia
Australia’s housing affordability challenge is fundamentally the result of a persistent mismatch between strong underlying demand and chronically constrained supply. Planning systems, land availability, infrastructure charging and construction costs are widely recognised as the primary constraints on new housing delivery. By contrast, the role of housing finance settings, particularly macroprudential regulation, has received comparatively limited scrutiny.
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Macroprudential Restrictions and Housing Supply in Australia
Australia’s housing affordability challenge is fundamentally the result of a persistent mismatch between strong underlying demand and chronically constrained supply. Planning systems, land availability, infrastructure charging and construction costs are widely recognised as the primary constraints on new housing delivery. By contrast, the role of housing finance settings, particularly macroprudential regulation, has received comparatively limited scrutiny.
Investors are not the problem they are part of the solution
Australia does need more social housing.