The home ownership puzzle: Affordability at breaking point
September 11, 2025
Housing affordability pressures are reshaping the path to home ownership.
Today’s buyers face record deposit hurdles, high mortgage repayments and the sharpest generational divide in housing access in modern history. Our latest report breaks down the numbers and reveals how affordability is shifting across generations and states.
Key findings:
- The deposit gap is widening – the median-income household now needs over 8 years to save a 20% deposit, up from 6 years in the early 2000s.
- Mortgage repayments are their highest in at least 20 years – a typical new loan now consumes around 54% of disposable income.
- The generational gap is stark – Home ownership rates for under-34s have dropped across every state.
Download the full report to uncover the forces shaping home ownership in Australia.
The home ownership puzzle: Affordability at breaking point
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Allhomes acknowledges the Ngunnawal people, traditional custodians of the lands where Allhomes is situated. We wish to acknowledge and respect their continuing culture and the contribution they make to the life of Canberra and the region. We also acknowledge all other First Nations Peoples on whose lands we work.
"With open hearts and minds, together we grow." artwork by David Williams of Gilimbaa.