Housing Affordability in NSW [infographic]

Monday, January 30, 2017

We’ve all heard about the difficulty of buying into the housing market in recent times and the subsequent decreases in home ownership rates (in NSW, from 68% in 2004 to 63% in 2014). With less people able to afford a home in the current market, there have been increases in the numbers of people looking to rent in New South Wales, and particularly Sydney.

We were delighted to be commissioned by Churches Housing and Shelter NSW to uncover the story of rental unaffordability in New South Wales. Through this research, we discovered that finding an available, affordable rental property is becoming increasingly difficult, particularly for those in the bottom 20% of income earners.

The decrease in the availability of rental properties over the last decade or so, has been influenced by a number of factors. Rental prices have increased due to the increased numbers of people looking to rent, and in past decades, rental prices have grown faster than income.

The infographic particularly highlights the difficulties for the bottom 40% of income earners in looking for appropriate rental properties. The term ‘rental stress’ is used to describe those in the bottom 40% who are spending over 30% of their income in housing costs. In 2013-14 NSW had the highest proportion of low income households experiencing rental stress, at 76% (compared to 68% nationally). For these households, rental stress can impact on other areas of life, including health care, schooling, diet and in the worst case can sometimes lead to homelessness. 

The Australian Communities Forum 2016

Friday, September 16, 2016

On Thursday 13th October 2016, McCrindle Research and R2L & Associates are hosting The Australian Communities Forum at Customs House in Sydney. This one day event is focused on delivering to not-for-profit organisations and community focused businesses the key demographic and social trends transforming Australian communities, and how organisations can best engage in these changing times.

Held since 2012 this annual event provides compelling case studies, the latest research, practical workshops and importantly, great networking over morning tea, lunch and afternoon tea. Come and hear Mark McCrindle launch the 2016 Australian Communities Report, as well as engaging content and fantastic networking opportunities. This not to be missed event will equip leaders in community engagement with the latest insights into 21st Century Australian Communities.

Purchase your early bird ticket today.

OUr speakers

Mark McCrindle

Mark is an award-winning social researcher, best-selling author, TedX speaker and influential thought leader, and is regularly commissioned to deliver strategy and advice to the boards and executive committees of some of Australia’s leading organisations. Mark’s understanding of the key social trends as well as his engaging communication style places him in high demand in the press, on radio and on television shows, such as Sunrise, Today, The Morning Show, ABC News 24 and A Current Affair. 

Terrence Mullings (MC)

Terrence is a lively TV and Radio personality with a unique ability to communicate and truly connect with his audience. A regular guest on The Morning Show, he currently works as a Radio Announcer on HOPE 103.2 as well as TV presenter on Positive Hits TV/Radio. Terrence has previously been a presenter on Channel 10 (the Circle), Chanel 9 Morning and also live T.V host on TVSN. Terrence created and produced music video show: “Positive Hits,” which currently airs worldwide. Terrence is in the business of “communication” and utilises a variety of platforms: TV, Radio, Speaking Events, and even speaking from "The Pulpit ".

Andy Gourley

Andrew Gourley is the Founder and CEO of Red Frogs Australia Chaplaincy Network. He started the Red Frog Program in 1997, after seeing the need for a chaplaincy service to safe guard teenagers and young adults. This Chaplaincy Network is now the largest support network in Australia for schoolies, festivals and universities students. Currently the Red Frog Chaplaincy program for Schoolies is located in 17 different locations around Australia and coordinates over 4000 volunteers to run its programs. 

Eliane Miles

Eliane Miles is a social researcher, trends analyst and Director of Research at the internationally recognised McCrindle. As a data analyst she understands the power of big data to inform strategic direction. Managing research across multiple sectors and locations, she is well positioned to understand the mega trends transforming the workplace, household and consumer landscapes. Her expertise is in telling the story embedded in the data and communicating the insights in visual and practical ways. 

Josh Hawkins

Josh is the founder and creator of Hi Josh. Which is one of those things that sounds more impressive than it actually is. He enjoys talking in third person and making YouTube videos. He made a few viral videos and now gets recognised at the local McDonalds by Luke, one of the employees. Across various social media platforms Josh has received over 50 million views in the last year, and has a global audience of about 50,000 people over YouTube, Facebook and Snapchat etc.

Nic Bolto

Nic Bolto is an executive coach and consultant specialising in entrepreneurship, strategy execution and change. Nic assignments have included senior government, corporate and not for profit change projects including Sanitarium Health and Wellbeing, The Salvation Army, Bupa and the NSW Baird government with Minister Dominello's recent value rediscovery for their social health portfolio. As a Churchill Fellow, Melbourne Business School graduate and Fellow of the Australian Institute of Company Directors, Nic brings significant expertise to the acquisition of goals that are important to community and the people within them, to organisations, to charities and to their donors.

Caitlin Barrett

Caitlin is the founding CEO of Love Mercy, and has a passion for Love Mercy's women in Uganda and about bringing about real change within communities in poverty. Caitlin was committed to setting up the Love Mercy Foundation when Olympic runner and Love Mercy Founding Director Eloise Wellings came back from her first trip to Uganda after meeting Julius Achon and navigated the minefields of the not-for-profit sector. Caitlin worked in a volunteer capacity for three years until becoming the first paid full-time staff member in 2015.

James Ward

James is a Director of NBRSARCHITECTURE and a member of the Executive Leadership Team. James' strength is in understanding complex situations and developing management strategies to guide the development of improved outcomes that can change the way people think and live. With a strong background in senior executive management and strategic planning in both for-profit; fast moving consumer goods and the not-for-profit industry sectors, James has been involved with many varied commercial situations.

Ashley Fell

Ashley Fell is a social researcher and Team Leader of Communications at McCrindle. As a trends analyst she understands how organisations can communicate with the emerging generations to effectively engage and motivate them. From her experience in managing media relations, social media platforms, content creation and event management, Ashley is well positioned to advise how to achieve cut through in these message-saturated times. Her expertise is in training leaders and teams on how to communicate across generational barriers.

Bryce Davies

Bryce has been a Salvation Army Officer for 22 years. For 9 years he worked in The Salvation Army Bridge program focusingon Drug and Alcohol rehabilitation in both Adelaide and Brisbane. In recent years Bryce has headed up an inner city drop in space in Fortitude valley in Brisbane that has evolved into a dynamic and functional community with a broad and effective raft of services. Bryce is now based in Sydney heading up a new project called “Communities of Hope” Assisting Salvation Army leaders develop welcoming and authentic community life.


Purchase your early bird ticket today.

Income and wealth distribution by state

Monday, September 12, 2016

High wealth, high income

What are the high wealth, high income states? Western Australia is leading in terms of both income and wealth, with $133,224 and $952,500 respectively, which is well above the average household annual gross income of $107,276 and average household net worth of $809,900.

However, over the last year particularly, the impact of the mining slowdown has affected earnings and also wealth. The reliance on the mining sector and the fluctuation of income and wealth based on the fortunes of this one sector are highlighted in the fact that between 2012 and 2014, the household incomes of those in Western Australia rose by 21% which was almost double that seen in the leading east coast state of New South Wales, and the wealth in this 2 year period increased by 24%, again almost double on what we saw from the best performing east coast states.

Top performing states

New South Wales is the most consistent performer in wealth and income, and the only other state to have both income and wealth about the national average (12% on income and 13% on wealth). It has a stable economy, with the largest infrastructure investments in the nation, a broad base of industries and consequently solid forward forecasts.

The Northern Territory, like Western Australia has been fluctuating, and while it has average income above the national average, its wealth is below the national average. Queensland, while improving in both income and wealth is below the national average on both as well. And Victoria while seeing solid gains in both income and wealth, with wealth largely due to the housing market above the national average, its income has still not quite reached the national average.

Worst performing states

The worst performing states are Tasmania, with incomes 26% below the national income and wealth average, as well as South Australia which is 19% below the average household income and 20% below the national net wealth.

While household income gains have been low in some states (a total of 6% gain since 2012 in South Australia, Tasmania and the Australian Capital Territory over the last 2 years), at least all of the states have had an increase in incomes, but such has been the change in property prices and the rise in living costs, the Northern Territory, South Australia, Tasmania and the Australian Capital Territory have all seen a slight fall in average household wealth since 2012.

A Snapshot of Australia's Housing Market

Monday, August 01, 2016

Owning a home is the great Australian dream, but with 30% of Australians renting, could our love affair with bricks and mortar be turning sour? Our Aussie states go head to head as we compare affordability for buyers and renters.

How many Australians own their home outright and how many have a mortgage?

2 in 5 (40%) Australians are trying to own their own home and slowly pay it off, with the smallest category of all, 28%, being lucky enough to have paid off their home in full.

How do the capital cities compare when it comes to renting an apartment?

As you would expect, Sydney ranks as the most expensive city, costed at about $500 per week for your average apartment. Amazingly, Darwin is up there as well due to more more demand than supply and with not the same investment in stock. Meanwhile, if you move down to Hobart, it is almost half that, paying about $270 per week, and Adelaide not much beyond that at $370.

What if you are looking to buy a home, how much is that?

Sydney is still leading Australia by a long way with almost a $1,000,000 median house price. A distant second is Melbourne, at over $800,000. If you look down to Hobart, the median house price is $357,000, so that means using the money spent on a home in Sydney, you could buy about 3 homes in Hobart – and a pretty good lifestyle down there as well.

Looking at Australia as a whole, what is the percentage of apartments to houses?

About 3 in 4 Australians live in a detached home, so that’s traditionally been the Aussie dream. Then you have about 14% who live in apartments and 10% in townhouses. We are starting to see a change though, with a quarter of Australians now living in medium to high density housing. At the moment if you look at new housing approvals, it's 1 in 3, so it has gone up. If you look at Sydney and Melbourne, 2 in 3 new housing approvals are in medium to high density living. So we are starting to get more densified, with an increase in vertical communities compared to the more traditional horizontal ones, and that’s where we are headed in the future.

Watch Mark's full interview on The Daily Edition here

Wealth and Income Distribution State V State

Monday, July 25, 2016

Australia has long been considered the land of the middle class, but in recent years the gap has been widening between the rich and the poor. When it comes to the battle of the states, which corner of Australia scores the highest and the lowest on the income and wealth report? Will the Baby Boomer generation continue their stronghold on our national wealth?

Is Australia still the land of the middle class?

It is hanging in there, but it’s under pressure. We have seen some hollowing out in the middle of the earnings and a bit of spread to either end. The average annual household earnings are around $107,000 however the lowest fifth of households earn 20% of this while the top fifth average almost three times this. That means that the top fifth of households are taking home about 12 times what the bottom fifth of households are earning.

Most Aussies have their wealth tied up in their homes, how does ownership compare with the top, middle and lower classes?

The average wealth (if you liquidate everything and pay off all your debts, what are you left with) is about $800,000. The bottom 1 in 5 have a net worth of just $35,000, the top 20% of all household have a net worth of about $2,500,000. That means that the top fifth of households have about 62% of Australia’s wealth, and the bottom fifth take less than 1% of Australia’s national private wealth. So that's a big difference in wealth across these households.

Which states are best and worst performers when we are looking just at income?

The mining boom in WA has really done a great thing over there and so they are leading the earnings chart, with the ACT not too far behind with public servant wages doing pretty well. At the bottom of the tree you have Tasmania, earning about $50,000 less per annum, per household, than what we have in the west.

What Makes a City the Most Liveable?

Wednesday, July 20, 2016

What makes a state or city liveable? Is it the low crime rate, affordability, ease of travel or is it simply the weather? We have compared some of the major factors and revealed what Aussies really think.


If you take the average weekly earnings, subtract the average weekly mortgage repayments based on house costs, you find that NSW doesn’t do too well, it is earning 20% above the average, but the houses are 64% above the average, so NSW works out to be the worst in terms of income after housing. But WA is on top of the charts, with the ACT doing pretty well also.

Ease of travel

We took the centre of population of each of our capital cities, the mid-point of the population sprawl where as many people live north, as south of this point, and as many east, as west. From this centre of living we measured the average, non-peak hour driving time to the centre of the CBD marked by the GPO of each capital. We found that as we would probably expect, Sydney was the longest drive, about 33 minutes to get from the centre of population to the centre of the city, but the quickest trip of all was Brisbane with just 8 minutes.

Crime rates

This is the number of offenders per annum, per 100 people and the Territories book end the data here, with the ACT with the lowest crime rate nationally and the Northern Territory as the highest crime rate and the other states right in the middle. As measured by crime rates, the ACT is Australia’s safest place to live.


We measured this by looking at the average number of sunny days - totally clear days in a year. Tasmania not doing too well with a lot of cloudy, overcast days, but WA takes the crown with the most number of sunny days in any given year.

Watch Mark McCrindle's full interview on The Daily Edition here

A Snapshot of Education Across Australia

Monday, July 18, 2016

We have been looking at different aspects of life in Australia and we are turning our focus on how each state rates when it comes to education. Are we more educated than we used to be? In 1986 49% of students completed year 12 and these days its fast approaching 90%.

Let’s talk about tertiary education across the generations

We are becoming an even cleverer country as measured by university completion so if we look at the Baby Boomers, 1 in 5 have a university degree, for Generation X, that’s 1 in 4, for Generation Y its 1 in 3 but for today’s school students, about 1 in 2 of them will end up with a university degree in their lifetime.

How does university attendance compare across the states?

If we look at 18 – 24 year olds, who are full time students, we have the ACT and Victoria leading the charge there and the other states not too far behind, while the Northern Territory is a fair way behind.

When looking at school performance, which state is performing the best as they hit year 7?

The NAPLAN results allows us to compare across Australia. If you look at the percentage of students in year 7 who are above the national minimum standard, again good results across the board. ACT and Victoria again leading Australia as far as the proportion of students above the standards. The other states are close behind, again with the Northern Territory a bit off the pace.

Having an education usually means a lower risk of unemployment, how did the states rate?

Pretty good, Australia as a whole is going very well, with 5.7% unemployment, that’s well below a lot of comparable nations. It has gone down this year, not up and if you look at the states that are doing better than that with a lower unemployment rate, the Northern Territory and ACT are performing best however some other states particularly South Australia and Tasmania are a bit behind.

Watch Mark McCrindle's full interview on The Daily Edition here

Welcome to our blog...

We have a passion for research that tells a story, that can be presented visually, that brings about change and improves organisations. And we hope these resources help you know the times.

Our Social Media Sites

Facebook | McCrindle Research Social Media YouTube | McCrindle Research Social Media Twitter | McCrindle Research Social Media Flickr | McCrindle Research Social Media Pinterest | McCrindle Research Social Media Google Plus | McCrindle Research Social Media LinkedIn | McCrindle Research Social Media Mark McCrindle Slideshare

Last 150 Articles


tv future of work Channel Seven investing owning a home NFP event annual income baby Lower Hunter communicate financial independence Territory mccrindle in the media Engineering Manager Aussie criminal affordability Aussies eliane miles Adelaide employmer Financial Planning Association of Australia infographic winter blues McCrindle Speakers property price money leadership rising house prices baby boomers tea huffington post career research visualisation environmental scanning ACF lifestyle data visualisation CPI teach forecasting SMSF environment Christmas season mobile global retail education sector women brands do people still change their surname after marriage? shopper's pick royal influence trend tuesday digital Hornsby Shire Council tertiary education proactive holiday leader Research Executive Retail food shifts NBRS communities employmee donate not for profit happiness micro apartments FPA communication Performance Sentiment Index goal crows nest global 2013 sports 2017 January 26th home social researchers couple cica workforce Hills Shire Council engagement economic royal family food bank the lucky country generation alpha menai unemployment Valentine’s Day networking media activity wages rental stress belief government global generation PSI mccrindle research Macquarie University micro group customer research services emerging technologies Kiwi property presentations population global generaion social change cancelling event Mark McCrindle in the media report donation wellbeing poor hunger New South Wales father's day generational trends world youth day conferences identity FOMO list alpha learner Australia street community pharmacies ethnography prince george financial marriage employment work Jura Australia relevant Australian Trends vegetarian church local communities Sydney keynote speaker gold coast Financial Planning Association youth unemployment "know the times" university online shopping Tuesday Trends schools students teacher housing trends meals suburbs staying in unaffordable Australian Communities Trends house prices winter monarchy community event tuesday charity event national wealth hills housing growth travel Tuesday Trend coffee lovers presentation business index ABS conference presentation earnings grave decision medicine friendship research on coffee newspaper priorities divorce rate ideas selfie year 7 professional speaker sunny days social analysis socialites maiden names ferry speaker visualisation World Water Day sunburnt country slideshare demography 1980 young people relational stay home generation Z social shifts christmas keynote teleworking seasons McCridle cooking Wagga Wagga Royals sector wide study Black Friday in Australia responsive Melbourne investor baby names report ultimo Christmas in Australia gig economy budget focus group care support Wodonga census results social trends Australian demographics aged care puzzle The ABC of XYZ australian real estate volunteers learning local community study train media skills internship sustainable investment millenials nfp infographics aged care sun affordable rise of local SRE ashley mckenzie survey design sector wide click #censusfail waverton thought leadership volunteering data spend demographic trends storytelling public speaker growth of sydney toys TED entertainment seasons greetings not for profit research water NSW data analyst debate casual Sydney quote 2020 Australia Day 2017 online future curiosity gen alpha ipswich mccrindle Births snapshot EFF etiquette Tasmania Christmas day weather moreton bay post rationalism Australia Day religion suburb population map travelling sydney hills social issues researcher cancelling plans wealth distribution 24,000,000 australian community trends report speakers pack stats gender wealth transport wolloomooloo Merry Christmas TEDx Speaker internships deloitte education future cancel plans happy holidays wedding program high density living food insecurity professional services parents story mythbusting area VIC impact Queensland: QLD wage WA land of the middle class workshop child care Work place challenge innovation in the media goals jobs of the future car geomapping Duchess of Cambridge data 10 years leadership workshop home ownership conference coffee men resource youth royal baby sydney property market New Zealand families jobs rule keeper social life sydneysiders TEDx millennials meetings gig Cobbitty-Leppington university degree friends HSC hello fresh faith focus groups HR engage work mates weekly earnings optus my business awards cash 2016 tips motivate entrepreneurial 1975 clothing mining boom commuting urban living logan Mount Annan-Currant Hill interactive google screenagers high density economy mentor employers Assistant Store Manager low density leadersip names cold apartment social Scouts 24 million national crime rates household spirituality marrickville social research education REIV Conference average sydneysider hills shire students sydney speaker ACT Report office space generation twentyseventeen Christmas presents crime buildings Kirsten Brewer research pack australian communities forum marketing the changing face of sydney market weather marriages urban Hunter Valley Real Estate Institute of Victoria states trends of 2016 state DIY housing learn forum population milestone Australian community trends Christmas Stats Andrew Duffin Res Vis analysis income commuters society trends Geoff Brailey public holiday daily commute financial dreams litter speakers house price generations divorce family sydney event training culturally diverse teachers christmas trees perth award winner supply and demand REIV National Conference intern 1994 emerging generations Myth panel forecast urban development collaboration breakfast 1968 public transport organisations blaxland australian communities trends report politics going out group session middle class Sydney’s south west educhat case study australian Christmas day choice workers the average aussie faux-cilising school students balance national private wealth cultural diversity census 2016 the hills statistics public speaking personal growth anzac contiki life mccrindle tea typical australian research report residents tableau DESTEL wealth inequality Australian Families future-proof trends poker master future proof Willowdale Australians graphs CBD dreaming entrepreneur dream socialising city chairty ACF 2016 social enquiry salary entrepreneurs of today System's Architect hornsby experience darwin US demographer media commentary Jura Coffee Northern Beaches pharmacy easter the great screenage baby boom energy dreams student brand Wellington royal brisbane ashley fell Generation Y shopping cost hopes census fail market research bureau new york times future of education VET sector living media release speajer What is food insecurity? ACF17 futurist social commentary live the dream high density apartments Channel 7 megatrends TDE Australian Dream Real Estate Research Director increasing densification australian social research work from home Love finance NEETs South Australia omnibus ACF2017 urban taskforce renting 2014 McCrindle Keynote Speakers Christmas lunch home owner fresh ACT innovative JOMO Vocational education census data Black Friday who is generation z woolworths financial planning Gen Z Expert nativity scene maiden survey plans shbc cost of living gen z baby name Maxim Accounting census world authenticity Word Up urban living index financial fears workplace princess charlotte Sydney population domestic new office society year 12 baby name trends mortgage consumerism James Ward mythbusters capital cities cultural diveristy non profit cars internet ageing daily telegraph trends of 2017 business performance mccrinlde organisational culture younger generations suburban living professional language TED talk Business analysis property development educated results education research surnames celebration children house price rise rent learning styles surname christmas 2017 christian the australian dream education future report mother's day communications kate middleton consumer Financial Planning Week village Queensland repayments participants changing face of sydney Social Trend VET community engagement events real retirement emerging trends NT social lives SA overcast school satisfaction NBRS Architecture conference speaker The Daily Edition Northern Beaches Christian School earn paying to work baby names Elderslie-Harrington park aussie culture townhouses global financial crisis ageing population australians staying home more insight Canberra digital economy video keynote speaker shopping centre change demographic transformations 2016 census results future proofing school publication Christmas research Australian Home Australian Bureau of Statistics resilience safe hobart product dessert social impact Crime Rates trades workplace culture wealth and income Population Clock narcissism Bathburst households define business visual sydney metro small business office Australian Population christianity neutral bay personalities Sydney Hills Business Chamber Northern Territory greatness New Zeland in depth interviews Australian schools Black Friday Sales 2012 23 million recap infographic wall equip renter of the future fears Western Australia faux-cilise global generations collaborative rich pyrmont thrive culture Generation X social media baby names australia report sentiments average aussie careers Gen X offenders English local technology social researcher google for education sector house news Education Future Forum facts showreel trend the hills shire Mark McCrindle mateship lalor park TAS mover and shaker Charlotte capital city high school Caregiver growing population purpose vegemite earning 40 million Christchurch February 16 SMART social commentator 2015 Australian communities grandparents long weekend bondi acf15 wealth and income distribution award tattoos average Australian cartodb office opening work-life volunteering sydneycity Australian Census young australians Christmas data cloudy days healthy future not-for-profit commute outsourcing follow professional development faux-ciliser eliane staff australia Deaths Sydney Lifestyle Study rain baby name predictions optimistic professional presenters Lower Hunter Region moderators guide future of shopping qualitative research IT Specialists Do It Yourself teaching growth know the times Northern beaches Event apartments McCrindle Speaker financial future research data research bus holidays brand experience schools housing market demographics parenting GPO optus charities potts point trends analyst insights sydneysider dare to dream millionth 2016 census demographic ease of travel population growth easy rider debt volunteer victoria Skilling summer Netflix builders screenage property market norwest housing affordability social analyst manly Gen Y giving