Housing credit, Australia
Housing credit was A$2,628.5 bn in August 2026, down 0.1% from July 2026 and up 6.8% from a year earlier. The figure is published by Reserve Bank of Australia in RBA table D2. The series starts in January 2006 and has 248 observations. Source: Reserve Bank of Australia.
- On the previous reading (July 2026): down 0.1%, to A$2,628.5 bn
- On a year earlier (August 2025): up 6.8%
- Against the five-year average of A$2,292.7 bn: above
Sparklines: the last ten years; the amber dot marks the reading in the tile. Source: Reserve Bank of Australia. This information is available free of charge on rba.gov.au. EconoMonitor is not affiliated with or endorsed by the RBA.
Overview
Over the last five years the series ranged from A$1,975.8 bn (August 2021) to A$2,631.9 bn (July 2026). Since January 2006 the full range is A$729.7 bn (January 2006) to A$2,631.9 bn (July 2026).
Key facts
| Reading | Period | Value |
|---|---|---|
| Latest | August 2026 | A$2,628.5 bn |
| Previous | July 2026 | A$2,631.9 bn |
| A year earlier | August 2025 | A$2,462.0 bn |
| Five-year high | July 2026 | A$2,631.9 bn |
| Five-year low | August 2021 | A$1,975.8 bn |
| First observation | January 2006 | A$729.7 bn |
Unit: AUD. Source: Reserve Bank of Australia. This information is available free of charge on rba.gov.au. EconoMonitor is not affiliated with or endorsed by the RBA.
How has it moved since January 2006?
Full history
- Housing credit A$2,628bn
Last five years
- Housing credit A$2,628bn
Latest readings
| Period | Value | Change from previous |
|---|---|---|
| August 2025 | A$2,462.0 bn | +0.6% |
| September 2025 | A$2,479.3 bn | +0.7% |
| October 2025 | A$2,495.1 bn | +0.6% |
| November 2025 | A$2,510.1 bn | +0.6% |
| December 2025 | A$2,526.9 bn | +0.7% |
| January 2026 | A$2,541.3 bn | +0.6% |
| February 2026 | A$2,555.3 bn | +0.6% |
| March 2026 | A$2,574.3 bn | +0.7% |
| April 2026 | A$2,589.1 bn | +0.6% |
| May 2026 | A$2,603.5 bn | +0.6% |
| June 2026 | A$2,619.6 bn | +0.6% |
| July 2026 | A$2,631.9 bn | +0.5% |
| August 2026 | A$2,628.5 bn | -0.1% |
How does the latest reading compare?
The latest reading of A$2,628.5 bn in August 2026 is above its five-year average of A$2,292.7 bn and above its ten-year average of A$2,039.2 bn. It is higher than 100% of all 248 readings since January 2006. The fall in August 2026 ended a run in the other direction or a flat reading. Over the last 12 readings, from September 2025 to August 2026, it averaged A$2,562.9 bn, with a high of A$2,631.9 bn in July 2026 and a low of A$2,479.3 bn in September 2025. In the last ten years the largest rise from one reading to the next was in July 2021, to A$1,962.4 bn from A$1,943.3 bn in June 2021, and the largest fall was in July 2019, to A$1,790.8 bn from A$1,832.4 bn in June 2019.
Among the last 9 complete years, the average was highest in 2025, at A$2,447.5 bn, and lowest in 2017, at A$1,677.8 bn.
Year by year
| Year | Average | Low | High | Last reading | Readings |
|---|---|---|---|---|---|
| 2026 | A$2,592.9 bn | A$2,541.3 bn | A$2,631.9 bn | A$2,628.5 bn August 2026 | 8 |
| 2025 | A$2,447.5 bn | A$2,381.7 bn | A$2,526.9 bn | A$2,526.9 bn December 2025 | 12 |
| 2024 | A$2,311.0 bn | A$2,254.9 bn | A$2,371.3 bn | A$2,371.3 bn December 2024 | 12 |
| 2023 | A$2,203.4 bn | A$2,163.3 bn | A$2,246.6 bn | A$2,246.6 bn December 2023 | 12 |
| 2022 | A$2,103.9 bn | A$2,040.1 bn | A$2,156.1 bn | A$2,156.1 bn December 2022 | 12 |
| 2021 | A$1,953.8 bn | A$1,888.6 bn | A$2,026.6 bn | A$2,026.6 bn December 2021 | 12 |
| 2020 | A$1,848.3 bn | A$1,820.2 bn | A$1,881.1 bn | A$1,881.1 bn December 2020 | 12 |
| 2019 | A$1,812.0 bn | A$1,790.8 bn | A$1,832.4 bn | A$1,814.9 bn December 2019 | 12 |
| 2018 | A$1,772.1 bn | A$1,730.5 bn | A$1,808.4 bn | A$1,808.4 bn December 2018 | 12 |
| 2017 | A$1,677.8 bn | A$1,629.4 bn | A$1,724.6 bn | A$1,724.6 bn December 2017 | 12 |
Averages, lows and highs are calculated by EconoMonitor from the published readings. Source: Reserve Bank of Australia. This information is available free of charge on rba.gov.au. EconoMonitor is not affiliated with or endorsed by the RBA.
How is it measured?
Owner-occupier plus investor housing credit, seasonally adjusted, including securitisations.
Housing credit is published monthly by Reserve Bank of Australia in its RBA table D2 release. It is measured in AUD and is seasonally adjusted. EconoMonitor holds all 248 readings since January 2006, keeps earlier values when the publisher revises them, and compares each release with the downloaded file before it is shown. Formula: DLCACOHS + DLCACIHS.
- Formula: DLCACOHS + DLCACIHS.
- Frequency: monthly; seasonal adjustment: SA.
- Unit: AUD.
- Release: RBA table D2, published by Reserve Bank of Australia.
- Source series code: .
- Methodology: how EconoMonitor stores and checks this series.
Questions and sources
What is the latest reading of Housing credit?
A$2,628.5 bn in August 2026, as published by Reserve Bank of Australia.
How often is it updated?
Monthly, with each RBA table D2 release. EconoMonitor reloads the series after each release and keeps earlier values when the publisher revises them.
Where can I check it?
At the publisher: Reserve Bank of Australia statistical tables, series code .
Source: Reserve Bank of Australia. This information is available free of charge on rba.gov.au. EconoMonitor is not affiliated with or endorsed by the RBA. Checks for this release: Check A passed, Check B passed.
Data and analysis only, not financial advice. Data publishers do not endorse EconoMonitor. See the disclaimer and methodology.