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Australian Home Loan Statistics

Discover average home loan sizes around Australia and much more with our comprehensive guide to home loan statistics.

As of 2018, Australia's housing stock numbers almost 10 million homes, with nearly 20,000 new dwellings approved every month. Buying a home is the most expensive purchase most Australians will make - but what does the state of Australia's home loan debt actually look like? On this page we cover average loan size for first home buyers and others, whether we prefer fixed or variable, the number of loans written each month, and the average home loan size for each state.

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The total value of owner occupier home loans written Australia in July 2018 was $21.2 billion, with the average loan size being $397,300. For first home buyers, this average loan size drops to $345,800. New South Wales has the highest average loan of any state, at $456,100. Further statistics can be found in the visualisation below.

Year 12-month average loan size Average first home buyer share of market
1991 $73,700 19%
1992 $78,442 22%
1993 $84,200 22%
1994 $90,242 22%
1995 $95,925 22%
1996 $99,192 22%
1997 $110,075 22%
1998 $118,375 21%
1999 $133,017 22%
2000 $133,000 22%
2001 $145,342 24%
2002 $160,992 19%
2003 $182,733 14%
2004 $205,200 15%
2005 $215,483 17%
2006 $224,383 18%
2007 $242,583 18%
2008 $257,200 20%
2009 $282,117 28%
2010 $304,275 18%
2011 $303,225 18%
2012 $298,608 18%
2013 $303,567 17%
2014 $324,692 16%
2015 $354,850 14%
2016 $363,650 13%
2017 $374,050 16%
2018 $345,800 18%
Are you a journalist or researcher? If you need any further data or custom research, please contact...
Graham Cooke
Graham Cooke
Insights Manager
graham.cooke@finder.com.au@gcooke42/in/gcooke42unnamed (25)
P: +61 4 0180 2681
E: graham@finder.com
Data source: finder.com.au, ABS.
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