Housing - Housing costs to household disposable income ratios by region 2019–2022
Housing costs include expenditure on rents and mortgages, property rates, and building-related insurance.
Income figures are collected for people aged 15 years and over.
Household income is from disposable (after tax) income.
Ratios are calculated using the aggregate housing-cost amount as a proportion of the aggregate disposable household-income amount and are rounded to nearest one decimal place.
Household: is either one person who usually resides alone, or two or more people who usually reside together and share facilities (such as for eating or cooking) in a private dwelling. A household may contain one or more families, other people in addition to a family, or no families at all, such as unrelated people living together.
Total housing costs: consists of expenditure from the following sources: mortgage principal repayments, mortgage interest payments, mortgage application fees, rent payments, other payments associated with renting (for example bonds paid in the last 12 months), property rates payments (both regional and local government), and payments associated with building-related insurance.
For more information
Limitations of the data
As with the Household Economic Survey for the year ended June 2020, 2021, and 2022, the pandemic has impacted Stats NZ’s ability to conduct face-to-face interviews in respondent’s homes and no other means of interviewing were available. Therefore, interviewing was not conducted evenly over the whole year. Consequently, the sample size was reduced to 8,900 households from the planned 20,000 households. The reduced sample size means margins of error on the statistics are higher than designed for.
The target population for HES (Income) is the usually resident population of New Zealand living in private dwellings, aged 15 years and over. This population does not include:
- overseas visitors who are in New Zealand for less than 12 months
- people living in non-private dwellings such as hotels, motels, boarding houses, hostels, and homes for the elderly
- patients in hospitals, or residents of psychiatric or penal institutions
- members of the permanent armed forces in group living facilities; for example, barracks
- people living on offshore islands (excluding Waiheke Island)
- members of the non-New Zealand armed forces
- non-New Zealand diplomats and their families.
Changes to data collection/processing
Changes to the four key income measures were:
average annual household income (gross) increased from $110,451 to $111,168
average annual household disposable income increased from $88,454 to $89,036
average annual household equivalised disposable income (after tax and transfer payments) increased from $50,164 to $50,561
average annual household equivalised disposable income (after tax and transfer payments and after housing costs are deducted) increased from $39,583 to $39,973.
Data provided by
Household Economic Survey: Income, Year ended June 2022
How to find the data
At URL provided, select 'Household income and housing-cost statistics: Year ended June 2022' from under the 'Download Data' heading.
Import & extraction details
File as imported: Household Economic Survey: Income, Year ended June 2022
From the dataset Household Economic Survey: Income, Year ended June 2022, this data was extracted:
- Sheet: Table 11
- Provided: 144 data points
Dataset originally released on:
February 23, 2023
About this dataset
The household economic survey (HES) is an annual survey designed to measure the economic wellbeing of New Zealanders. HES has three components: HES income, HES expenditure, and HES net worth.
- HES income is the main vehicle, and it is run every year. It includes household income, housing costs, and material wellbeing – this is ‘core’ HES.
- HES expenditure includes additional components – an expenditure diary and an expanded household expenditure questionnaire. It runs every three years.
- HES net worth includes additional questions on household assets and liabilities. It also runs every three years.
Purpose of collection
The three main objectives of HES (Income) are to measure patterns of inequality in household income (used for policy-making decisions); measure people’s life satisfaction, housing conditions, and financial stress; provide an indication of the overall living standards of New Zealanders.
Method of collection/Data provider
In HES 2019/20 Stats NZ added a self-complete component to the questionnaire wherein Stats NZ asked questions relating to personal demographics. Stats NZ also asked questions relating to gender, sexual orientation and sex at birth for the first time in this module. Questions on disability were also included in this module. Also, respondents were not asked to provide amounts for income variables (wages and salaries; benefits; and other payments received from the New Zealand Government) since Stats NZ are able to obtain these from admin data sources.