Selected Living Cost Indexes, Australia

Latest release

Living Cost Indexes (LCIs) measures the price change of goods and services and its effect on living expenses of selected household types

Reference period

September 2024

Released

6/11/2024

Key statistics

All five Living Cost Indexes (LCIs) rose between 0.3% and 0.6% in the September 2024 quarter.
Insurance and financial services and Recreation and culture were the main contributors to quarterly rises across all LCIs. These increases were offset by falls in Electricity and Automotive fuel prices.
Over the twelve months to the September 2024 quarter, the LCIs rose between 2.8% and 4.7%.

Overview

Selected Living Cost Indexes (LCIs) by household type and CPI, Australia, quarterly and annual movement (%)
	Change from previous quarter (%)	Annual change (%)
Pensioner and beneficiary LCI (PBLCI)	0.3	3.9
Employee LCI	0.6	4.7
Age pensioner LCI	0.3	3.5
Other government transfer recipient LCI	0.4	4.4
Self-funded retiree LCI	0.3	2.8
Consumer Price Index (CPI)	0.2	2.8

Selected Living Cost Indexes (LCIs) by household type and CPI, Australia, quarterly and annual movement (%)

["","Change from previous quarter","Annual change"]

[["Pensioner and beneficiary LCI (PBLCI)","Employee LCI","Age pensioner LCI","Other government transfer recipient LCI","Self-funded retiree LCI","Consumer Price Index (CPI)"],[[0.29999999999999999],[0.59999999999999998],[0.29999999999999999],[0.40000000000000002],[0.29999999999999999],[0.20000000000000001]],[[3.8999999999999999],[4.7000000000000002],[3.5],[4.4000000000000004],[2.7999999999999998],[2.7999999999999998]]]

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Quarterly living costs

All five LCIs recorded smaller increases in living costs than the June 2024 quarter

While prices continued to rise for most goods and services, these increases were largely offset by falls in Electricity and Automotive fuel prices, leading to smaller rises in living costs for all household types this quarter.

Selected Living Cost Indexes (LCIs) by household type, All groups, quarterly movement (%)
	Pensioner and beneficiary LCI (PBLCI) (%)	Employee LCI (%)	Age pensioner LCI (%)	Other government transfer recipient LCI (%)	Self-funded retiree LCI (%)
Dec-23	1.0	1.1	0.8	1.1	0.5
Mar-24	1.3	1.7	1.1	1.4	0.7
Jun-24	1.3	1.3	1.2	1.4	1.2
Sep-24	0.3	0.6	0.3	0.4	0.3

Selected Living Cost Indexes (LCIs) by household type, All groups, quarterly movement (%)

["","Pensioner and beneficiary LCI (PBLCI)","Employee LCI","Age pensioner LCI","Other government transfer recipient LCI","Self-funded retiree LCI"]

[["Dec-23","Mar-24","Jun-24","Sep-24"],[[1],[1.3],[1.3],[0.29999999999999999]],[[1.1000000000000001],[1.7],[1.3],[0.59999999999999998]],[[0.80000000000000004],[1.1000000000000001],[1.2],[0.29999999999999999]],[[1.1000000000000001],[1.3999999999999999],[1.3999999999999999],[0.40000000000000002]],[[0.5],[0.69999999999999996],[1.2],[0.29999999999999999]]]

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Insurance and financial services, Recreation and culture, and Food and non-alcoholic beverages were the main contributors across all household types.

Selected Living Cost Indexes (LCIs) by household type, main contributors to the quarterly movement (%)
	Insurance and financial services (a) (%)	Recreation and culture (%)	Transport (%)
Pensioner and beneficiary LCI (PBLCI)	2.8	1.4	-2.8
Employee LCI	2.7	1.4	-2.3
Age pensioner LCI	2.8	1.4	-2.6
Other government transfer recipient LCI	2.7	1.3	-3.0
Self-funded retiree LCI	2.7	1.3	-2.1

Selected Living Cost Indexes (LCIs) by household type, main contributors to the quarterly movement (%)

["","Insurance and financial services (a)","Recreation and culture","Transport"]

[["Pensioner and beneficiary LCI (PBLCI)","Employee LCI","Age pensioner LCI","Other government transfer recipient LCI","Self-funded retiree LCI"],[[2.7999999999999998],[2.7000000000000002],[2.7999999999999998],[2.7000000000000002],[2.7000000000000002]],[[1.3999999999999999],[1.3999999999999999],[1.3999999999999999],[1.3],[1.3]],[[-2.7999999999999998],[-2.2999999999999998],[-2.6000000000000001],[-3],[-2.1000000000000001]]]

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Mortgage interest charges is included in Insurance and financial services.

Insurance and financial services rose due to increases in Insurance and Mortgage interest charges. Insurance prices rose due to higher premiums for house, home contents and motor vehicle insurance reflecting higher reinsurance, natural disaster and claims costs.

Mortgage interest charges rose due to the the continued rollover of expired fixed rate to higher variable rate mortgages, as well as higher mortgage debt levels.

The following graph shows the share of fixed and variable rate home loans for owner occupied loans. The share of fixed rate home loan commitments has continued to decline in the September 2024 quarter, while the share of variable rate home loans has continued to increase reflecting the continued roll-over of expired fixed rate to higher variable rate home loans.

Share of Fixed and Variable Rate Home Loans for Owner Occupied Loans (%)
	Fixed rate home loans (%)	Variable rate home loans (%)
Sep-18	22	78
Dec-18	23	77
Mar-19	23	77
Jun-19	23	77
Sep-19	23	77
Dec-19	23	77
Mar-20	22	78
Jun-20	23	77
Sep-20	27	73
Dec-20	29	71
Mar-21	32	68
Jun-21	36	64
Sep-21	40	60
Dec-21	43	57
Mar-22	45	55
Jun-22	45	55
Sep-22	43	57
Dec-22	41	59
Mar-23	39	61
Jun-23	36	64
Sep-23	32	68
Dec-23	27	73
Mar-24	23	77
Jun-24	20	80
Sep-24	17	83

Share of Fixed and Variable Rate Home Loans for Owner Occupied Loans (%)

["","Fixed rate home loans","Variable rate home loans"]

[["Sep-18","Dec-18","Mar-19","Jun-19","Sep-19","Dec-19","Mar-20","Jun-20","Sep-20","Dec-20","Mar-21","Jun-21","Sep-21","Dec-21","Mar-22","Jun-22","Sep-22","Dec-22","Mar-23","Jun-23","Sep-23","Dec-23","Mar-24","Jun-24","Sep-24"],[[22],[23],[23],[23],[23],[23],[22],[23],[27],[29],[32],[36],[40],[43],[45],[45],[43],[41],[39],[36],[32],[27],[23],[20],[17]],[[78],[77],[77],[77],[77],[77],[78],[77],[73],[71],[68],[64],[60],[57],[55],[55],[57],[59],[61],[64],[68],[73],[77],[80],[83]]]

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Shares of fixed and variable rate home loans have been calculated using data obtained from banks to compile the Mortgage interest charges series.

Recreation and culture rose across all household types due to increases in International and Domestic holiday travel and accommodation driven by higher demand.

Food and non-alcoholic beverage prices rose driven by rises in Meals out and takeaway foods, Meat and seafood, and Fruit and vegetables.

Transport had the largest offsetting impact across all LCIs. This was driven by a fall in Automotive fuel prices as lower global demand led to a fall in oil and wholesale fuel prices.

All household types recorded falls in Electricity prices, driven by the introduction of the 2024-25 Commonwealth Energy Bill Relief Fund (EBRF) rebates and State government rebates in Queensland, Western Australian and Tasmania from July. More details on the impact and timing of these rebates are provided in the latest Consumer Price Index publication.

Selected Living Cost Indexes (LCIs) by household type, Electricity, quarterly movement (%)
	Concession households (%)	Non-Concession households (%)
Age pensioner LCI	-11.4
Other government transfer recipient LCI	-9.6
Pensioner and beneficiary LCI (PBLCI)	-10.3
Employee LCI		-19.9
Self-funded retiree LCI		-15.8

Selected Living Cost Indexes (LCIs) by household type, Electricity, quarterly movement (%)

["","Concession households","Non-Concession households"]

[["Age pensioner LCI","Other government transfer recipient LCI","Pensioner and beneficiary LCI (PBLCI)","Employee LCI","Self-funded retiree LCI"],[[-11.4],[-9.5999999999999996],[-10.300000000000001],[null],[null]],[[null],[null],[null],[-19.899999999999999],[-15.800000000000001]]]

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Employee households continued to record the highest quarterly rise in living costs

Living costs for Employee households, whose primary source of income is wages and salaries, rose 0.6% over the September 2024 quarter, down from a 1.3% rise in the previous quarter. This is the second consecutive quarter of slower growth in quarterly living costs.

Mortgage interest charges make up a higher proportion of expenditure for Employee households. Mortgage interest charges rose 2.7% due to the continued roll-over of expired fixed-rate to higher variable rate home loans, as well as higher mortgage debt levels.

The rise in living costs for Employee households this quarter was offset by large falls in Electricity and Automotive fuel prices.

Living costs for households whose main source of income is government payments

Living costs for Other government transfer recipient (+0.4%) and Age pensioner (+0.3%) households rose this quarter.

Increases in Housing costs such as Gas and other household fuels and Property rates had a relatively larger impact on these household types.

Other government transfer recipient households were impacted by higher rental prices, due to Rents making up a larger proportion of expenditure for these households compared to the other household types.

These households also recorded relatively smaller falls in Electricity compared to Employee and Self-funded retiree households. All concession households[1] were eligible for the previous 2023-24 EBRF rebates, compared to only some non-concession households. The introduction of the new 2024-25 rebates had a smaller impact on electricity out-of-pocket expenses for households whose main source of income is government payments because the fall in prices was partially offset by the ending of the previous rebates.

The Pensioner and Beneficiary LCI (PBLCI) recorded a 0.3% rise, down from 1.3% in the June 2024 quarter. The PBLCI measures living costs for Age Pensioner and Other government transfer recipient households. These households source their principal income from government payments.

[1] Concession households are households who are eligible for existing electricity concessions based on the Government payment they receive.

Selected Living Cost Indexes (LCIs) by household type, Housing, quarterly movement (%) (a)
	Concession households (%)	Non-Concession households (%)
Age pensioner LCI	0.1
Other government transfer recipient LCI	0.4
Pensioner and beneficiary LCI (PBLCI)	0.3
Employee LCI		-1.1
Self-funded retiree LCI		-1.0

Selected Living Cost Indexes (LCIs) by household type, Housing, quarterly movement (%) (a)

["","Concession households","Non-Concession households"]

[["Age pensioner LCI","Other government transfer recipient LCI","Pensioner and beneficiary LCI (PBLCI)","Employee LCI","Self-funded retiree LCI"],[[0.10000000000000001],[0.40000000000000002],[0.29999999999999999],[null],[null]],[[null],[null],[null],[-1.1000000000000001],[-1]]]

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Housing includes Rents, Utilities, and Other housing (Property rates and Maintenance and repair of the dwelling).

Living costs for Self-funded retirees increased 0.3%

Self-funded retiree households, whose primary source of income is superannuation or property income, rose 0.3% this quarter, down from a 1.2% rise in the June 2024 quarter.

Recreation and culture was the largest contributor to the rise for Self-funded retiree households.

International and Domestic holiday travel and accommodation prices rose this quarter due to higher demand for international tours and accommodation particularly in Europe, and an increase in domestic travel demand during the school holiday period. Holiday travel and accommodation makes up a higher proportion of expenditure for Self-funded retiree households than it does for other types of households.

The rise in living costs for Self-funded retiree households this quarter was offset by large falls in Electricity and Automotive fuel prices.

Annual living costs

Increases in annual living costs eased across all household types compared to the June 2024 quarter

Over the past twelve months, the five LCIs rose between 2.8% to 4.7%, easing from rises between 3.7% to 6.2% in the June 2024 quarter.

Annual falls in Electricity and Automotive fuel prices contributed to the moderation in annual living costs for all household types this quarter.

Selected Living Cost Indexes (LCIs) by household type and Consumer Price Index (CPI), Australia, annual movement (%) (a) (b)
	Pensioner and beneficiary LCI (PBLCI) (%)	Employee LCI (%)	Age pensioner LCI (%)	Other government transfer recipient LCI (%)	Self-funded retiree LCI (%)	Consumer Price Index (CPI) (%)
Sep-87						8.3
Dec-87						7.2
Mar-88						6.8
Jun-88						7.2
Sep-88						7.3
Dec-88						7.6
Mar-89						6.8
Jun-89						7.5
Sep-89						8.0
Dec-89						7.8
Mar-90						8.7
Jun-90						7.7
Sep-90						6.1
Dec-90						6.9
Mar-91						4.8
Jun-91						3.3
Sep-91						3.1
Dec-91						1.5
Mar-92						1.7
Jun-92						1.2
Sep-92						0.8
Dec-92						0.3
Mar-93						1.2
Jun-93						1.8
Sep-93						2.2
Dec-93						1.8
Mar-94						1.5
Jun-94						1.8
Sep-94						2.0
Dec-94						2.6
Mar-95						3.7
Jun-95						4.5
Sep-95						5.1
Dec-95						5.1
Mar-96						3.8
Jun-96						3.1
Sep-96						2.1
Dec-96						1.5
Mar-97						1.4
Jun-97						0.3
Sep-97						-0.4
Dec-97						-0.3
Mar-98						-0.1
Jun-98						0.7
Sep-98						1.4
Dec-98						1.5
Mar-99						1.2
Jun-99						1.0
Sep-99						1.8
Dec-99		1.2	1.5	1.9	1.0	1.9
Mar-00		2.6	2.6	2.9	2.4	2.8
Jun-00		3.5	2.9	3.4	2.8	3.1
Sep-00		6.2	5.7	5.9	5.7	6.1
Dec-00		6.4	5.7	5.9	5.5	5.8
Mar-01		6.5	6.1	6.0	6.1	6.0
Jun-01		5.6	6.2	5.9	6.0	6.1
Sep-01		2.1	2.8	2.7	2.3	2.5
Dec-01		2.1	3.8	3.0	3.4	3.1
Mar-02		1.9	3.4	2.5	3.3	3.0
Jun-02		2.2	3.2	2.2	3.2	2.8
Sep-02		3.2	3.6	2.9	3.8	3.2
Dec-02		3.3	3.0	2.9	3.3	2.9
Mar-03		3.7	3.6	3.7	3.6	3.3
Jun-03		3.0	2.8	2.7	2.8	2.6
Sep-03		2.6	2.5	2.6	2.3	2.6
Dec-03		2.5	2.4	2.3	2.3	2.4
Mar-04		2.5	2.0	2.0	1.7	2.0
Jun-04		3.3	2.4	2.7	2.2	2.5
Sep-04		3.1	2.2	2.5	2.2	2.3
Dec-04		3.4	2.5	2.8	2.1	2.5
Mar-05		2.7	2.2	2.2	2.3	2.4
Jun-05		2.9	2.4	2.7	2.2	2.5
Sep-05		3.6	3.3	3.4	3.1	3.1
Dec-05		3.1	3.0	3.2	2.7	2.8
Mar-06		3.6	3.4	3.6	3.2	2.9
Jun-06		4.5	5.1	4.6	4.6	4.0
Sep-06		4.5	5.3	4.9	4.7	4.0
Dec-06		4.3	4.5	4.2	4.1	3.3
Mar-07		3.5	3.0	3.3	2.5	2.5
Jun-07		3.1	2.1	2.8	1.9	2.1
Sep-07		2.8	1.9	2.4	1.6	1.8
Dec-07		3.5	2.6	3.2	2.5	2.9
Mar-08		5.0	4.5	4.8	4.2	4.3
Jun-08	4.7	5.8	4.3	5.1	4.2	4.4
Sep-08	5.1	6.2	4.7	5.4	4.8	5.0
Dec-08	4.3	4.5	4.0	4.4	3.5	3.7
Mar-09	3.5	2.4	3.5	3.5	2.9	2.4
Jun-09	2.2	-0.8	2.8	1.9	2.0	1.4
Sep-09	2.0	-1.1	2.4	1.7	1.5	1.2
Dec-09	2.6	0.3	3.1	2.3	2.7	2.1
Mar-10	2.8	2.0	3.2	2.6	2.9	2.9
Jun-10	3.8	4.5	3.3	4.2	3.0	3.1
Sep-10	3.8	4.7	3.0	4.4	2.9	2.9
Dec-10	4.0	4.5	3.2	4.5	2.8	2.8
Mar-11	4.7	4.8	4.0	5.1	3.5	3.3
Jun-11	4.5	4.5	4.5	4.6	4.0	3.5
Sep-11	4.2	3.9	4.3	4.1	3.8	3.4
Dec-11	3.2	3.3	3.1	3.3	3.2	3.0
Mar-12	1.4	1.2	1.1	1.6	1.3	1.6
Jun-12	1.1	0.7	0.7	1.2	0.6	1.2
Sep-12	1.9	0.7	2.0	1.9	1.5	2.0
Dec-12	2.2	0.7	2.4	2.0	1.9	2.2
Mar-13	2.5	1.0	2.8	2.3	2.3	2.5
Jun-13	2.3	0.7	2.6	2.2	2.2	2.4
Sep-13	2.0	0.9	2.0	2.0	2.0	2.2
Dec-13	2.4	1.3	2.5	2.5	2.6	2.7
Mar-14	3.0	2.1	3.0	3.1	2.9	2.9
Jun-14	3.1	2.3	3.1	3.1	3.2	3.0
Sep-14	2.1	1.9	1.9	2.3	2.2	2.3
Dec-14	1.7	1.6	1.2	1.9	1.5	1.7
Mar-15	0.9	0.9	0.8	1.0	1.3	1.3
Jun-15	1.0	0.9	0.9	1.1	1.2	1.5
Sep-15	1.0	0.7	0.9	1.0	1.2	1.5
Dec-15	1.3	1.1	1.2	1.4	1.6	1.7
Mar-16	1.1	1.1	0.8	1.1	1.1	1.3
Jun-16	0.9	1.0	0.7	1.1	1.1	1.0
Sep-16	1.5	1.2	1.5	1.6	1.5	1.3
Dec-16	1.7	1.0	1.6	1.8	1.4	1.5
Mar-17	2.4	1.5	2.4	2.5	2.0	2.1
Jun-17	2.0	1.3	2.0	2.0	1.8	1.9
Sep-17	2.0	1.5	1.7	2.1	1.6	1.8
Dec-17	2.3	2.0	2.1	2.4	1.6	1.9
Mar-18	2.3	2.0	2.1	2.4	1.8	1.9
Jun-18	2.5	2.3	2.2	2.7	2.0	2.1
Sep-18	2.2	2.0	2.3	2.2	2.3	1.9
Dec-18	2.1	1.9	2.0	2.1	2.2	1.8
Mar-19	1.6	1.4	1.4	1.6	1.6	1.3
Jun-19	1.9	1.6	1.9	1.9	2.0	1.6
Sep-19	1.9	1.3	1.7	1.9	1.9	1.7
Dec-19	1.8	1.0	1.8	1.9	1.9	1.8
Mar-20	2.4	1.1	2.4	2.4	2.3	2.2
Jun-20	0.4	-2.1	1.0	0.0	1.1	-0.3
Sep-20	0.9	-0.9	0.9	0.8	0.7	0.7
Dec-20	0.7	-0.5	0.4	0.8	0.8	0.9
Mar-21	0.6	0.0	0.5	0.7	1.3	1.1
Jun-21	2.9	3.3	2.3	3.5	2.7	3.8
Sep-21	2.7	2.6	2.6	2.7	2.9	3.0
Dec-21	3.0	2.6	3.4	2.7	3.3	3.5
Mar-22	4.6	3.8	4.9	4.3	4.4	5.1
Jun-22	5.0	4.6	5.2	4.8	5.0	6.1
Sep-22	6.4	6.7	6.5	6.3	6.3	7.3
Dec-22	7.4	9.3	7.3	7.4	7.6	7.8
Mar-23	7.3	9.6	7.2	7.4	7.1	7.0
Jun-23	7.0	9.6	6.7	7.3	6.3	6.0
Sep-23	5.7	9.0	5.3	6.0	5.7	5.4
Dec-23	4.8	6.9	4.4	5.2	4.0	4.1
Mar-24	3.9	6.5	3.3	4.4	3.4	3.6
Jun-24	4.1	6.2	3.7	4.6	3.8	3.8
Sep-24	3.9	4.7	3.5	4.4	2.8	2.8

Selected Living Cost Indexes (LCIs) by household type and Consumer Price Index (CPI), Australia, annual movement (%) (a) (b)

["","Pensioner and beneficiary LCI (PBLCI)","Employee LCI","Age pensioner LCI","Other government transfer recipient LCI","Self-funded retiree LCI","Consumer Price Index (CPI)"]

[["Sep-87","Dec-87","Mar-88","Jun-88","Sep-88","Dec-88","Mar-89","Jun-89","Sep-89","Dec-89","Mar-90","Jun-90","Sep-90","Dec-90","Mar-91","Jun-91","Sep-91","Dec-91","Mar-92","Jun-92","Sep-92","Dec-92","Mar-93","Jun-93","Sep-93","Dec-93","Mar-94","Jun-94","Sep-94","Dec-94","Mar-95","Jun-95","Sep-95","Dec-95","Mar-96","Jun-96","Sep-96","Dec-96","Mar-97","Jun-97","Sep-97","Dec-97","Mar-98","Jun-98","Sep-98","Dec-98","Mar-99","Jun-99","Sep-99","Dec-99","Mar-00","Jun-00","Sep-00","Dec-00","Mar-01","Jun-01","Sep-01","Dec-01","Mar-02","Jun-02","Sep-02","Dec-02","Mar-03","Jun-03","Sep-03","Dec-03","Mar-04","Jun-04","Sep-04","Dec-04","Mar-05","Jun-05","Sep-05","Dec-05","Mar-06","Jun-06","Sep-06","Dec-06","Mar-07","Jun-07","Sep-07","Dec-07","Mar-08","Jun-08","Sep-08","Dec-08","Mar-09","Jun-09","Sep-09","Dec-09","Mar-10","Jun-10","Sep-10","Dec-10","Mar-11","Jun-11","Sep-11","Dec-11","Mar-12","Jun-12","Sep-12","Dec-12","Mar-13","Jun-13","Sep-13","Dec-13","Mar-14","Jun-14","Sep-14","Dec-14","Mar-15","Jun-15","Sep-15","Dec-15","Mar-16","Jun-16","Sep-16","Dec-16","Mar-17","Jun-17","Sep-17","Dec-17","Mar-18","Jun-18","Sep-18","Dec-18","Mar-19","Jun-19","Sep-19","Dec-19","Mar-20","Jun-20","Sep-20","Dec-20","Mar-21","Jun-21","Sep-21","Dec-21","Mar-22","Jun-22","Sep-22","Dec-22","Mar-23","Jun-23","Sep-23","Dec-23","Mar-24","Jun-24","Sep-24"],[[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[4.7000000000000002],[5.0999999999999996],[4.2999999999999998],[3.5],[2.2000000000000002],[2],[2.6000000000000001],[2.7999999999999998],[3.7999999999999998],[3.7999999999999998],[4],[4.7000000000000002],[4.5],[4.2000000000000002],[3.2000000000000002],[1.3999999999999999],[1.1000000000000001],[1.8999999999999999],[2.2000000000000002],[2.5],[2.2999999999999998],[2],[2.3999999999999999],[3],[3.1000000000000001],[2.1000000000000001],[1.7],[0.90000000000000002],[1],[1],[1.3],[1.1000000000000001],[0.90000000000000002],[1.5],[1.7],[2.3999999999999999],[2],[2],[2.2999999999999998],[2.2999999999999998],[2.5],[2.2000000000000002],[2.1000000000000001],[1.6000000000000001],[1.8999999999999999],[1.8999999999999999],[1.8],[2.3999999999999999],[0.40000000000000002],[0.90000000000000002],[0.69999999999999996],[0.59999999999999998],[2.8999999999999999],[2.7000000000000002],[3],[4.5999999999999996],[5],[6.4000000000000004],[7.4000000000000004],[7.2999999999999998],[7],[5.7000000000000002],[4.7999999999999998],[3.8999999999999999],[4.0999999999999996],[3.8999999999999999]],[[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[1.2],[2.6000000000000001],[3.5],[6.2000000000000002],[6.4000000000000004],[6.5],[5.5999999999999996],[2.1000000000000001],[2.1000000000000001],[1.8999999999999999],[2.2000000000000002],[3.2000000000000002],[3.2999999999999998],[3.7000000000000002],[3],[2.6000000000000001],[2.5],[2.5],[3.2999999999999998],[3.1000000000000001],[3.3999999999999999],[2.7000000000000002],[2.8999999999999999],[3.6000000000000001],[3.1000000000000001],[3.6000000000000001],[4.5],[4.5],[4.2999999999999998],[3.5],[3.1000000000000001],[2.7999999999999998],[3.5],[5],[5.7999999999999998],[6.2000000000000002],[4.5],[2.3999999999999999],[-0.80000000000000004],[-1.1000000000000001],[0.29999999999999999],[2],[4.5],[4.7000000000000002],[4.5],[4.7999999999999998],[4.5],[3.8999999999999999],[3.2999999999999998],[1.2],[0.69999999999999996],[0.69999999999999996],[0.69999999999999996],[1],[0.69999999999999996],[0.90000000000000002],[1.3],[2.1000000000000001],[2.2999999999999998],[1.8999999999999999],[1.6000000000000001],[0.90000000000000002],[0.90000000000000002],[0.69999999999999996],[1.1000000000000001],[1.1000000000000001],[1],[1.2],[1],[1.5],[1.3],[1.5],[2],[2],[2.2999999999999998],[2],[1.8999999999999999],[1.3999999999999999],[1.6000000000000001],[1.3],[1],[1.1000000000000001],[-2.1000000000000001],[-0.90000000000000002],[-0.5],[0],[3.2999999999999998],[2.6000000000000001],[2.6000000000000001],[3.7999999999999998],[4.5999999999999996],[6.7000000000000002],[9.3000000000000007],[9.5999999999999996],[9.5999999999999996],[9],[6.9000000000000004],[6.5],[6.2000000000000002],[4.7000000000000002]],[[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null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[]

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The Pensioner and beneficiary household series commenced in 2008.
The series for the remaining four household types commenced in 1999.

Employee households continued to record the largest annual rise in living costs of all household types, rising 4.7% over the year. However, this is down from 6.2% in the previous quarter, and down from a peak of 9.6% in the June 2023 quarter.

The most significant contributor to increases in Employee households’ living costs was Mortgage interest charges. Mortgage interest charges rose 18.9% over the year, continuing the downward trend in mortgage interest charges inflation from a peak of 91.6% in the June 2023 quarter. The Reserve Bank of Australia’s (RBA) decision to keep the cash rate on hold since November 2023 was the main contributor to the easing in annual growth. However, Mortgage interest charges remained elevated compared to recent years, as some fixed rate loans continued to rollover into higher variable rate loans.

Employee households, Mortgage interest charges, Australia, annual movement (%)
	Annual change (%)
Sep-00	26.3
Dec-00	29.1
Mar-01	23.2
Jun-01	7.9
Sep-01	-8.7
Dec-01	-15.4
Mar-02	-14.8
Jun-02	-7.1
Sep-02	3.7
Dec-02	10.7
Mar-03	11.2
Jun-03	17.7
Sep-03	10.6
Dec-03	11.4
Mar-04	18.4
Jun-04	20.3
Sep-04	19.9
Dec-04	18.9
Mar-05	11.6
Jun-05	12.8
Sep-05	12.5
Dec-05	9.8
Mar-06	11.2
Jun-06	8.5
Sep-06	11.4
Dec-06	17.0
Mar-07	17.3
Jun-07	17.3
Sep-07	17.0
Dec-07	14.3
Mar-08	18.4
Jun-08	25.4
Sep-08	22.6
Dec-08	15.3
Mar-09	-4.2
Jun-09	-31.9
Sep-09	-33.5
Dec-09	-28.0
Mar-10	-11.5
Jun-10	25.6
Sep-10	32.2
Dec-10	30.1
Mar-11	23.7
Jun-11	14.3
Sep-11	9.3
Dec-11	6.7
Mar-12	-2.0
Jun-12	-3.7
Sep-12	-10.3
Dec-12	-12.3
Mar-13	-12.2
Jun-13	-12.6
Sep-13	-10.3
Dec-13	-11.3
Mar-14	-6.5
Jun-14	-4.9
Sep-14	-0.9
Dec-14	3.3
Mar-15	2.1
Jun-15	-1.7
Sep-15	-4.2
Dec-15	-4.0
Mar-16	-1.2
Jun-16	1.5
Sep-16	-0.4
Dec-16	-4.2
Mar-17	-5.4
Jun-17	-4.8
Sep-17	1.2
Dec-17	4.5
Mar-18	3.3
Jun-18	3.4
Sep-18	1.7
Dec-18	2.4
Mar-19	2.4
Jun-19	2.0
Sep-19	-6.0
Dec-19	-11.7
Mar-20	-14.2
Jun-20	-18.5
Sep-20	-17.6
Dec-20	-15.1
Mar-21	-15.1
Jun-21	-12.7
Sep-21	-8.1
Dec-21	-7.6
Mar-22	-5.4
Jun-22	-0.7
Sep-22	25.3
Dec-22	61.3
Mar-23	78.9
Jun-23	91.6
Sep-23	68.6
Dec-23	40.3
Mar-24	35.3
Jun-24	26.5
Sep-24	18.9

Employee households, Mortgage interest charges, Australia, annual movement (%)

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Higher insurance premiums and mortgage interest charges drove rises across the remaining household types

The remaining four household types recorded annual rises in living costs between 2.8% and 4.4%. Insurance and financial services was the main contributor across the household types.

Higher premiums for motor vehicles, house and home contents insurance over the past twelve months have resulted in strong annual growth in Insurance across all household types. Strong rises in Mortgage interest charges over the past twelve months also contributed to the annual rise in living costs across most household types.

Self-funded retiree households continued to record the lowest annual rise in living costs of all households types, rising 2.8% over the year, down from 3.8% in the previous quarter.

Insurance by household type, Australia, annual movement (%)
	Employee households (%)	Age pensioner households (%)	Other government transfer recipient households (%)	Self-funded retiree households (%)	Pensioner and beneficiary households (%)
Sep-04	2.2	2.5	1.5	2.5
Dec-04	1.8	2.5	1.4	2.5
Mar-05	1.2	2.2	0.6	2.5
Jun-05	2.2	3.5	1.3	3.6
Sep-05	2.0	2.9	1.7	2.9
Dec-05	2.9	3.8	2.6	3.4
Mar-06	2.9	3.6	2.9	3.3
Jun-06	2.6	2.8	2.9	2.5
Sep-06	2.5	5.2	2.9	4.9
Dec-06	1.7	3.8	2.0	3.7
Mar-07	1.7	2.6	1.7	2.9
Jun-07	1.8	2.5	1.6	2.5
Sep-07	1.8	0.7	1.6	0.7
Dec-07	3.0	2.8	2.4	2.8
Mar-08	4.4	5.5	4.0	5.2
Jun-08	6.1	7.9	5.9	7.7	7.1
Sep-08	8.7	10.2	8.6	10.1	9.4
Dec-08	9.7	9.3	9.8	9.2	9.5
Mar-09	11.3	10.2	11.7	10.0	11.0
Jun-09	10.8	8.1	11.1	7.8	9.5
Sep-09	10.1	7.7	10.3	7.5	9.0
Dec-09	8.5	7.8	8.7	7.6	8.2
Mar-10	7.4	6.7	7.4	6.6	7.0
Jun-10	4.9	6.8	5.6	6.5	6.3
Sep-10	4.6	6.3	5.2	5.9	5.9
Dec-10	4.3	5.9	4.8	5.4	5.4
Mar-11	3.1	5.6	3.7	5.3	4.7
Jun-11	5.0	6.6	5.2	6.3	5.9
Sep-11	1.2	4.2	2.3	3.9	3.2
Dec-11	1.8	4.5	3.1	4.4	3.9
Mar-12	1.2	3.0	2.5	2.8	2.8
Jun-12	0.5	2.3	1.8	2.1	2.1
Sep-12	3.5	4.1	4.3	4.0	4.1
Dec-12	4.3	5.2	5.1	4.9	5.1
Mar-13	7.3	7.2	7.3	7.6	7.2
Jun-13	6.4	6.2	6.3	6.8	6.2
Sep-13	3.7	3.3	3.3	4.0	3.3
Dec-13	1.7	1.4	1.2	2.3	1.4
Mar-14	-1.6	-0.6	-1.4	-0.3	-0.9
Jun-14	-2.1	-0.7	-2.0	-0.2	-1.3
Sep-14	-0.3	0.5	-0.3	1.0	0.2
Dec-14	1.1	1.9	1.1	2.3	1.5
Mar-15	1.4	1.5	1.4	2.0	1.5
Jun-15	2.8	1.4	2.7	1.4	2.0
Sep-15	2.9	2.2	2.9	2.0	2.5
Dec-15	3.7	2.3	3.5	2.1	2.9
Mar-16	5.0	4.0	4.8	3.6	4.3
Jun-16	5.7	5.5	5.6	5.3	5.6
Sep-16	8.2	7.3	8.3	7.3	7.8
Dec-16	7.5	6.9	7.7	7.1	7.3
Mar-17	8.0	7.0	8.0	7.4	7.4
Jun-17	6.2	5.0	6.0	5.5	5.4
Sep-17	3.9	3.3	3.5	3.5	3.4
Dec-17	4.1	3.8	3.5	3.9	3.7
Mar-18	2.4	2.8	2.4	2.4	2.6
Jun-18	3.8	4.3	3.9	3.7	4.2
Sep-18	3.5	3.8	3.8	3.3	3.8
Dec-18	2.9	2.7	3.2	2.2	2.9
Mar-19	2.4	1.8	2.5	1.7	2.1
Jun-19	1.4	1.1	1.8	1.0	1.4
Sep-19	0.7	0.7	0.6	0.6	0.6
Dec-19	0.2	0.6	0.1	0.4	0.4
Mar-20	1.0	1.6	0.9	1.3	1.3
Jun-20	1.6	2.1	1.3	1.9	1.8
Sep-20	1.6	2.1	1.6	1.9	2.0
Dec-20	1.8	2.4	1.9	2.2	2.1
Mar-21	1.1	1.4	1.2	1.1	1.3
Jun-21	2.4	2.2	2.3	2.3	2.2
Sep-21	3.6	3.2	3.5	3.2	3.2
Dec-21	3.9	3.4	4.1	3.1	3.8
Mar-22	5.4	4.7	5.6	4.8	5.1
Jun-22	4.1	3.6	4.6	3.2	4.0
Sep-22	4.9	4.6	5.4	4.0	4.9
Dec-22	6.4	5.8	6.5	5.5	6.1
Mar-23	9.2	8.9	9.1	8.4	8.9
Jun-23	13.8	14.1	13.7	13.6	14.0
Sep-23	14.5	14.9	14.5	14.3	14.8
Dec-23	16.9	17.1	17.3	16.6	17.2
Mar-24	17.1	16.9	17.7	16.8	17.3
Jun-24	15.4	14.8	15.7	14.6	15.1
Sep-24	15.0	14.5	15.2	14.6	14.8

Insurance by household type, Australia, annual movement (%)

["","Employee households","Age pensioner households","Other government transfer recipient households","Self-funded retiree households","Pensioner and beneficiary households"]

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9999],[2.5],[0.69999999999999996],[2.7999999999999998],[5.2000000000000002],[7.7000000000000002],[10.1],[9.1999999999999993],[10],[7.7999999999999998],[7.5],[7.5999999999999996],[6.5999999999999996],[6.5],[5.9000000000000004],[5.4000000000000004],[5.2999999999999998],[6.2999999999999998],[3.8999999999999999],[4.4000000000000004],[2.7999999999999998],[2.1000000000000001],[4],[4.9000000000000004],[7.5999999999999996],[6.7999999999999998],[4],[2.2999999999999998],[-0.29999999999999999],[-0.20000000000000001],[1],[2.2999999999999998],[2],[1.3999999999999999],[2],[2.1000000000000001],[3.6000000000000001],[5.2999999999999998],[7.2999999999999998],[7.0999999999999996],[7.4000000000000004],[5.5],[3.5],[3.8999999999999999],[2.3999999999999999],[3.7000000000000002],[3.2999999999999998],[2.2000000000000002],[1.7],[1],[0.59999999999999998],[0.40000000000000002],[1.3],[1.8999999999999999],[1.8999999999999999],[2.2000000000000002],[1.1000000000000001],[2.2999999999999998],[3.2000000000000002],[3.1000000000000001],[4.7999999999999998],[3.2000000000000002],[4],[5.5],[8.4000000000000004],[13.6],[14.300000000000001],[16.600000000000001],[16.800000000000001],[14.6],[14.6]],[[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[7.0999999999999996],[9.4000000000000004],[9.5],[11],[9.5],[9],[8.1999999999999993],[7],[6.2999999999999998],[5.9000000000000004],[5.4000000000000004],[4.7000000000000002],[5.9000000000000004],[3.2000000000000002],[3.8999999999999999],[2.7999999999999998],[2.1000000000000001],[4.0999999999999996],[5.0999999999999996],[7.2000000000000002],[6.2000000000000002],[3.2999999999999998],[1.3999999999999999],[-0.90000000000000002],[-1.3],[0.20000000000000001],[1.5],[1.5],[2],[2.5],[2.8999999999999999],[4.2999999999999998],[5.5999999999999996],[7.7999999999999998],[7.2999999999999998],[7.4000000000000004],[5.4000000000000004],[3.3999999999999999],[3.7000000000000002],[2.6000000000000001],[4.2000000000000002],[3.7999999999999998],[2.8999999999999999],[2.1000000000000001],[1.3999999999999999],[0.59999999999999998],[0.40000000000000002],[1.3],[1.8],[2],[2.1000000000000001],[1.3],[2.2000000000000002],[3.2000000000000002],[3.7999999999999998],[5.0999999999999996],[4],[4.9000000000000004],[6.0999999999999996],[8.9000000000000004],[14],[14.800000000000001],[17.199999999999999],[17.300000000000001],[15.1],[14.800000000000001]]]

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Main annual contributors to cost of living changes for each household type

Insurance and financial services and Food and non-alcoholic beverages were the main contributors to the rises in annual living costs across most household types.

Annual falls in Electricity and Automotive fuel prices had an offsetting impact to increases in annual living costs for all household types this quarter.

Household type	Main annual contributors
Pensioner and beneficiary (PBLCI)	Insurance and financial services (a) (+15.9%) Housing (b) (+3.4%) Food and non-alcoholic beverages (+3.3%) Alcohol and tobacco (+8.6%)
Employee	Insurance and financial services (a) (+17.4%) Food and non-alcoholic beverages (+3.3%) Alcohol and tobacco (+6.4%) Health (+4.9%)
Age pensioner	Insurance and financial services (a) (+14.8%) Food and non-alcoholic beverages (+3.3%) Health (+5.0%) Housing (b) (+2.9%)
Other government transfer recipient	Insurance and financial services (a) (+16.8%) Housing (b) (+4.1%) Alcohol and tobacco (+9.5%) Food and non-alcoholic beverages (+3.3%)
Self-funded retiree	Insurance and financial services (a) (+14.9%) Health (+5.1%) Food and non-alcoholic beverages (+3.2%) Alcohol and tobacco (+5.3%)

Mortgage interest charges is included in Insurance and financial services.
Housing includes Rents, Utilities, and Other housing (Property rates and Maintenance and repair of the dwelling).

For information on the weighting pattern for the SLCIs, please see Selected Living Cost Indexes, Australia methodology and the Annual weight update of the CPI and Living Cost Indexes, December 2023.

Contributors to quarterly change

Quarterly percentage change, Commodity group - June quarter 2024 to September quarter 2024
Weighted average of eight capital cities	Pensioner and beneficiary LCI (%)	Employee LCI (%)	Age pensioner LCI (%)	Other government transfer recipient LCI (%)	Self-funded retiree LCI (%)	Consumer Price Index (CPI) (%)
Food and non-alcoholic beverages	0.6	0.6	0.7	0.6	0.8	0.6
Alcohol and tobacco	1.5	1.4	1.4	1.5	1.4	1.3
Clothing and footwear	-0.9	-0.8	-0.8	-0.9	-0.7	-0.7
Housing (a)	0.3	-1.1	0.1	0.4	-1.0	-0.1
Furnishings, household equipment and services	0.7	0.9	0.6	0.7	0.7	0.9
Health	-1.5	0.2	-1.2	-2.1	-0.2	-0.1
Transport	-2.8	-2.3	-2.6	-3.0	-2.1	-2.2
Communication	0.5	0.5	0.6	0.5	0.6	0.5
Recreation and culture	1.4	1.4	1.4	1.3	1.3	1.3
Education	0.4	0.4	0.1	0.4	0.1	0.4
Insurance and financial services (b)	2.8	2.7	2.8	2.7	2.7	1.2
All groups	0.3	0.6	0.3	0.4	0.3	0.2

New dwelling purchase by owner-occupiers are included in the CPI but excluded from the Selected Living Cost Indexes.
The Selected Living Cost Indexes includes interest charges and general insurance. Interest charges are excluded from the CPI and general insurance is calculated on a different basis.

For further analysis on commodity group contributors, please see the latest release of the Consumer Price Index.

Data downloads

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Time Series Spreadsheets

Data files

Table 1. All groups, index numbers and percentage changes, by household type
Download xlsx [55.26 KB]
Table 2. Commodity groups, index numbers, percentage changes and points contributions, by household type
Download xlsx [159.76 KB]
Table 3. Gross insurance, mortgage interest and consumer credit, index numbers and percentage changes, by household type
Download xlsx [71.76 KB]

Use of price indexes in contracts

Price indexes published by the Australian Bureau of Statistics (ABS) provide summary measures of the movements in various categories of prices over time. They are published primarily for use in Government economic analysis. Price indexes are also often used in contracts by businesses and government to adjust payments and/or charges to take account of changes in categories of prices (Indexation Clauses).

Use of Price Indexes in Contracts that sets out a range of issues that should be taken into account by parties considering including an Indexation Clause in a contract using an ABS published price index.

Frequently asked questions

The Frequently Asked Questions page that has answers to a number of common questions to do with price indexes and the Consumer Price Index, in particular.

Previous catalogue number

This release previously used catalogue number 6467.0.

Methodology

Selected Living Cost Indexes, Australia methodology, September 2024

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APA

Citation

Selected Living Cost Indexes, Australia

APA

Citation

Key statistics

Overview

Quarterly living costs

All five LCIs recorded smaller increases in living costs than the June 2024 quarter

Employee households continued to record the highest quarterly rise in living costs

Living costs for households whose main source of income is government payments

Living costs for Self-funded retirees increased 0.3%

Annual living costs

Increases in annual living costs eased across all household types compared to the June 2024 quarter

Higher insurance premiums and mortgage interest charges drove rises across the remaining household types

Main annual contributors to cost of living changes for each household type

Contributors to quarterly change

Data downloads

Time Series Spreadsheets

Table 1. All groups, index numbers and percentage changes, by household type

Table 2. Commodity groups, index numbers, percentage changes and points contributions, by household type

Table 3. Gross insurance, mortgage interest and consumer credit, index numbers and percentage changes, by household type

Use of price indexes in contracts

Frequently asked questions

Previous catalogue number

Methodology

Do you need more detailed statistics?

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Microdata and TableBuilder

Provide feedback

APA

Selected Living Cost Indexes, Australia

APA

Key statistics

Overview

Quarterly living costs

All five LCIs recorded smaller increases in living costs than the June 2024 quarter

Employee households continued to record the highest quarterly rise in living costs

Living costs for households whose main source of income is government payments

Living costs for Self-funded retirees increased 0.3%

Annual living costs

Increases in annual living costs eased across all household types compared to the June 2024 quarter

Higher insurance premiums and mortgage interest charges drove rises across the remaining household types

Main annual contributors to cost of living changes for each household type

Contributors to quarterly change

Data downloads

Time Series Spreadsheets

Table 1. All groups, index numbers and percentage changes, by household type

Table 2. Commodity groups, index numbers, percentage changes and points contributions, by household type

Table 3. Gross insurance, mortgage interest and consumer credit, index numbers and percentage changes, by household type

Use of price indexes in contracts

Frequently asked questions

Previous catalogue number

Methodology

Media releases

Increases in living costs slow across all household types

Do you need more detailed statistics?

Request data

Microdata and TableBuilder