REIA has released our Housing Affordability Report for the December quarter 2025 – Australia’s premier benchmark for tracking housing and rental affordability trends.
Following several quarters of improvement, this period marks a notable shift.
Housing affordability declined for the first time since December 2024, largely driven by a significant influx of first-home buyers utilising the Australian Government’s 5% Deposit Scheme introduced in October 2025. While the scheme has reduced upfront barriers to entry, it has contributed to larger loan sizes relative to income, impacting overall affordability.
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