This indicator shows how affordable New Zealanders’ accommodation is, based on the proportion of households spending more than 30 percent of their total household income on housing costs.

Housing affordability

This indicator shows how affordable New Zealanders’ accommodation is, based on the proportion of households spending more than 30 percent of their total household disposable (after tax) income on housing costs.

Disposable income is considered a better income measure than gross (before tax) income to represent the economic resources available to meet the needs of households.

In 2019

almost a third
of households spent more than 30% of their disposable household income on housing costs.

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Change in definition of housing affordability

In housing affordability releases prior to 2018/19, our key income measure was annual gross income. The move to using admin income data has given us more appropriate information, which means we can produce a more relevant disposable income estimate than was possible previously. See Changes to the household economic survey 2018/19.

This change means that the previously published estimates for this indicator are not directly comparable with the data currently presented for this indicator. The data for this indicator currently shown is back-dated to 2007 to include the changes and is the only form of comparison that we recommend.