CheckRate
    Library

    Tracking How
    Australians Borrow,
    Save & Spend.

    CheckRate brings together clear, accessible data on Australian finance, helping people understand the trends shaping borrowing, saving, spending and the broader money landscape.

    Featured Research

    Australian home ownership statistics: how many Australians own their home?
    Housing

    Australian home ownership statistics: how many Australians own their home?

    Australia's home ownership rate was 66% at the 2021 Census, down from around 70% in the early 1980s. More households now own with a mortgage than own outright, a shift that first emerged in 2003 and has continued since.

    10 min read21 Apr 2025

    What Shapes an RBA Decision

    The RBA looks at a mix of signals before each cash rate decision, from prices and jobs to wages and household spending. These dates show when decisions are announced and help give context to what is happening across Australia’s economy.

    RBA Meeting Schedule 2026
    Jun
    16
    Monetary Policy Decision
    Aug
    11
    Monetary Policy Decision
    Sep
    29
    Monetary Policy Decision
    Nov
    03
    Monetary Policy Decision
    Dec
    08
    Final 2026 Monetary Policy Decision

    Australia by the Numbers

    6.1%
    Average savings rate
    The saving ratio has fallen from a pandemic peak of 19.8% to a 15-year low, as higher living costs absorb what rising deposit rates return.
    4,006 AUD
    Average monthly repayment
    Monthly mortgage repayments have risen well above historical norms since the rate-hike cycle began, adding pressure to household budgets.
    4.6%
    Annual CPI inflation (Feb)
    Inflation has eased from a 7.8% peak in late 2022 but remains above the 2–3% target band, keeping pressure on household costs.
    CheckRate Standards

    Our methodology aggregates and verifies data against primary institutional sources, so the information is accurate, reliable and easy to understand.

    RBA
    Reserve Bank
    APRA
    Prudential Authority
    ABS
    Bureau of Statistics
    ASX
    Securities Exchange

    How We Source Our Data

    Australians deserve access to the same quality of data that institutional investors rely on.

    01
    Authoritative Sources
    We use reliable sources like the RBA, ABS, APRA, CoreLogic and lenders directly, so readers can see where the information comes from.
    02
    Transparent Methodology
    Every article cites its sources and explains any calculations clearly, using trusted public data so readers can see where the information comes from.
    03
    No Sponsored Rankings
    Our data and analysis are not shaped by paid placements or commercial partnerships. We present the information as it appears in the data.

    Latest Insights

    Clear explanations of market changes and the economic trends behind them.

    View All Analysis
    Pet insurance statistics Australia 2026: household spending and uptake
    insurance
    20 July 2026· 9 min read

    Pet insurance statistics Australia 2026: household spending and uptake

    Australian households reported average annual pet insurance spending of $145 for dogs and $70 for cats in the year to March 2025. These population-wide averages include households without insurance and are not average policy premiums. About 24% of dog owners and 14% of cat owners reported having insurance.

    How much have insurance premiums increased in Australia?
    Spending
    20 July 2026· 11 min read

    How much have insurance premiums increased in Australia?

    Insurance prices rose 5.5% in the year to May 2026 and are now 52.7% higher than at the end of 2019, roughly double the rise in headline inflation. Data from the ABS, APRA, the ACCC and the Department of Health.

    Average insurance cost in Australia in 2026
    Spending
    17 July 2026· 12 min read

    Average insurance cost in Australia in 2026

    Australian households paid an average of $16.74 a week for house and contents insurance and $38.56 a week for accident and health insurance in the ABS's 2015–16 Household Expenditure Survey. These remain the latest official ABS figures for household insurance spending. They are averages across all households, not average premiums paid by insured policyholders.