--- title: "CheckRate — Australian Financial Statistics & Data" description: "Institutional grade Australian financial intelligence — research on property, banking and macroeconomics." lang: en-AU json-ld: --- [CheckRate ](/) [Library](/articles) # 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. Lookup ## Featured Research [ ![Australian home ownership statistics: how many Australians own their home?](https://images.unsplash.com/photo-1580587771525-78b9dba3b914?auto=format&fit=crop&w=1920&q=80) 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 read 21 Apr 2025 ](/home-ownership) ## 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. [ Spending What everyday spending says about the economy Household spending can offer an early sign of where the economy is heading. When people keep spending, it can point to confidence. When they pull back, delay purchases or trade down, it can show pressure building in household budgets. ](/household-spending) [ Employment Why the RBA watches the jobs market so closely Employment is one of the main indicators the Reserve Bank of Australia (RBA) watches before making interest rate decisions. Jobs, wages and hours worked help show whether households are likely to keep spending or start cutting back. ](/job-market) [ Inflation Understanding changes in the cost of living Inflation tracks how prices are moving across the economy, from rent and groceries to fuel, bills and services. But the national figure does not always match how rising costs feel in everyday household budgets. ](/inflation) 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](/analysis) [ ![Average contents and landlord insurance costs in Australia](https://images.unsplash.com/photo-1734328819658-0c3ceef27c46?q=80&w=870&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D) insurance 21 July 2026 · 10 min read ### Average contents and landlord insurance costs in Australia The average home contents insurance premium reached $531 a year in 2024-25, up 20.1% from 2021-22, according to the Australian Competition and Consumer Commission. Combined home and contents cover averaged $2,360, while home building cover averaged $1,852. ](/contents-landlord-insurance)[ ![Pet insurance statistics Australia 2026: household spending and uptake](https://images.unsplash.com/photo-1583337130417-3346a1be7dee?auto=format&fit=crop&w=2000&q=80) 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. ](/average-pet-insurance)[ ![How much have insurance premiums increased in Australia?](https://images.unsplash.com/photo-1637763723578-79a4ca9225f7?q=80&w=871&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D) 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. ](/insurance-premium-increases) [CheckRate ](/) [Privacy Policy](/privacy-policy)[Terms & Conditions](/terms-and-conditions)[Methodology](/methodology) CheckRate provides general information and statistics only. It does not constitute financial advice. Data is sourced from publicly available institutional publications and may be subject to revision. Please consult a qualified financial adviser before making any financial decisions. © 2026 CheckRate