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Housing Expenses Lead Australians' Financial Worries in 2026

Rising Mortgage Repayments and Rent Increases Heighten Financial Stress

Housing Expenses Lead Australians' Financial Worries in 2026?w=400

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

As Australians step into 2026, housing costs have emerged as the foremost financial concern, overshadowing other cost-of-living pressures.
The latest Canstar Consumer Pulse Report reveals that 22% of respondents identified mortgage and rent expenses as their primary financial stressor, more than doubling the figure from five years ago.

Millennials are particularly affected, with monthly repayments on a $600,000, 30-year home loan taken out before the Reserve Bank's tightening cycle now averaging around $3,734-a 50% increase since May 2022. Renters are also feeling the strain, especially among Generation Z, with average weekly rent hikes of $62 reported.

Beyond housing, grocery prices remain a significant concern, cited by 18% of households. The average weekly grocery bill has risen to $202, with 93% attributing the increase to higher prices rather than increased consumption. Additionally, electricity and gas bills continue to burden Australians, with the average quarterly electricity bill rising by $68 to $439 in 2025.

These escalating costs highlight the need for effective financial management strategies. For those juggling multiple debts, considering the option of debt consolidation loans could potentially offer a means to simplify repayments and potentially reduce overall interest expenses, providing some relief amid rising living costs.

Published:Thursday, 29th Jan 2026
Source: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

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Finance News

Understanding the RBA's February Rate Cut and Its Impact on Your Finances
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10 Mar 2026: Paige Estritori
In February 2025, the Reserve Bank of Australia (RBA) reduced the cash rate by 0.25 percentage points, bringing it down to 4.10%. This move, the first rate cut since November 2020, aims to stimulate economic growth amid slowing inflation and global uncertainties. - read more
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The Australian Prudential Regulation Authority (APRA) has announced a significant policy change, introducing a 20% cap on new loans with a debt-to-income (DTI) ratio exceeding six times the borrower's income. This measure, effective from February 2026, aims to mitigate potential risks associated with high levels of household debt. - read more
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The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at mitigating risks in the housing market. Effective February 2026, APRA will impose a cap on high debt-to-income (DTI) home loans, limiting such loans to 20% of new home lending. This measure applies to both owner-occupiers and investors, with an exemption for new housing developments. - read more
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