Many people cannot afford to rent or buy a home, so government programs provide Australians with housing assistance. This ranges from financial support to government-owned public housing. See glossary for definitions of housing types.
Policy context
The National Housing and Homelessness Agreement began in July 2018. It aims to improve access to affordable, safe and sustainable housing across the housing spectrum (Council of Federal Financial Relations 2018). The agreement covers social housing and support for people experiencing homelessness or those at risk of homelessness.
What types of housing assistance are available?
Housing assistance programs funded by Australian and state and territory governments are provided by government and non–government organisations (Table 1).
Table 1: Governments and organisations administering types of housing assistance
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Government or organisation providing assistance
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Type of housing assistance
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Australian Government
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Commonwealth Rent Assistance
National Rental Affordability Scheme
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State and territory governments
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Public rental housing
State owned and managed Indigenous housing
Home purchase assistance
Private rent assistance
National Rental Affordability Scheme
First Home Owner Grant
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Community-based organisations
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Specialist Homelessness Services
Community housing
Indigenous community housing
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This page focuses on private rental market housing assistance and social housing.
For information about:
Private rental market housing assistance
Australians on low or moderate incomes renting through the private rental market may be able to receive government assistance with the cost of housing.
Commonwealth Rent Assistance is a non–taxable income supplement, paid fortnightly to eligible recipients. It is paid at 75 cents for every dollar above a minimum rental threshold until a maximum rate is reached. Minimum thresholds and maximum rates vary depending on the household or family situation. This includes the number of children (DSS 2019b).
Australian Government real expenditure (adjusted for inflation) on Commonwealth Rent Assistance increased by around 12% between 2013–14 and 2018–19, from $4.0 billion to $4.4 billion (DSS 2014, 2019a).
Private rent assistance is provided by state and territory governments to low–income households experiencing difficulty in securing or maintaining private rental accommodation. In 2018–19, it assisted about 91,800 unique households a decrease from 94,100 in 2013–14 (AIHW 2020).
National Rental Affordability Scheme is delivered by the Australian Government in partnership with state and territory governments. It offers annual financial incentives for up to 10 years to rent dwellings for eligible occupants at 80% or less of market value rent (DSS 2018).
As at 31 March 2020, there were 33,700 financial incentives issued (dwellings tenanted or available for rent) through the scheme (DSS 2020a).
Social housing programs
Social housing is rental housing made available to Australians on low incomes who cannot afford to rent through the private rental market. Historically, social housing was made available to working families on low to moderately low incomes (Groenhart & Bourke 2014). In more recent years, social housing has increasingly focused on assisting families in greatest need, especially those experiencing homelessness.
These rental properties are owned and managed by government and/or non–government organisations (including not–for–profit organisations).
Social housing programs include:
- Public housing: Rental housing provided and managed by all state and territory governments. Included are dwellings owned by the housing authority or leased from the private sector or other housing program areas and used to provide public rental housing or leased to public housing occupants.
- Community housing (also known as mainstream community housing): Housing managed by community-based organisations, available to low to moderate income or special needs households (see glossary). Community housing models vary among states and territories. Various groups, including government, own the housing stock.
- State owned and managed Indigenous housing (SOMIH): Housing that state and territory governments provide and manage. This is available to low to moderate–income households that have at least one member who identifies as being of Aboriginal and/or Torres Strait Islander origin. SOMIH is currently available in New South Wales, Queensland, South Australia, Tasmania and the Northern Territory.
- Indigenous community housing: Housing that Indigenous communities own and/or manage to provide housing services to Indigenous Australians (AIHW 2019b).
Who receives rental market housing assistance?
In the year to 28 June 2019, 1.29 million income units (a person or group of related persons in a household whose income is shared, see glossary) received Commonwealth Rent Assistance; about 25,200 income units fewer (or 2% less) than in 2018 (AIHW 2019a, 2020). Of the 12.9 million Australian individuals or couples (the reference person) receiving such assistance in 2019:
- just under one-quarter (25%) were aged 65 years and over
- 5.8% identified as Indigenous (see glossary) (AIHW 2020).
In 2018–19, there were about 91,800 unique households receiving private rent assistance; a decrease from 94,100 in 2013–14. Of these:
- nearly one-third (31%) were provided to households with the main applicant aged 25–34, and around one-fifth (18%) were aged 15–24
- 16% of instances were provided to Indigenous households
- 56% were earning a gross income of less than $700 per week (or around $36,400 per year) (AIHW 2020).
As at 30 April 2019, around 63,000 occupants lived in 33,300 dwellings accommodated under the National Rental Affordability Scheme. Of these:
- 56% were aged 18–54
- 5.2% identified as Indigenous
- 9.3% had disability
- 29% received rent assistance (DSS 2019c).
Social housing occupants
Across Australia in 2018–19, around 797,100 occupants were in Australia’s 3 main social housing programs (AIHW 2020):
- 72% were in public housing
- 21% were in community housing
- 6% were in SOMIH.
Most social housing occupants were female (56%) in 2018–19 (AIHW 2020). Factors such as domestic violence, relationship breakdown, financial difficulty and limited superannuation can put women at risk of homelessness (ABS 2018) and in need of social housing (AIHW 2018).
Of the households in social housing:
- more than 1 in 7 (14%) included an Indigenous member at 30 June 2019, compared with 12% at 30 June 2015
- almost 2 in 5 (37%) reported having an occupant with disability at 30 June 2019, compared with 42% of households at 30 June 2015
- more than 1 in 2 (56%) consisted of single adults at 30 June 2019, compared with 53% at 30 June 2015 (AIHW 2016, 2019a).
At 30 June 2019, around one-third (35%) of public housing and 31% of community housing occupants were aged 55 years or over. Almost 1 in 3 (31%) of those in public housing and 35% in community housing were aged 25–54. Also, 22% of public housing occupants and 20% of community housing occupants were children aged 0–14 (AIHW 2020).
Priority groups
Housing assistance has shifted to target specific vulnerable groups, such as people experiencing homelessness or those at imminent risk of homelessness. For example, public housing, SOMIH and community housing prioritise households by assessing applicants in greatest need (see glossary). Among all social housing programs, newly allocated dwellings provided to households in greatest need has been increasing since 2013–14. For:
- public housing, 76% (about 15,100) of newly allocated dwellings were provided to households in greatest need in 2018–19; up from 74% (about 15,300) in 2013–14
- community housing, 66% (about 14,000) of newly allocated dwellings were provided to households in greatest need in 2018–19; down from 75% (about 9,300) in 2013–14
- SOMIH, 60% (about 440) of newly allocated dwellings were provided to households in greatest need in 2018–19; up from 59% (about 440) in 2013–14 (AIHW 2020, Productivity Commission 2020).
Of all newly allocated greatest needs households in social housing, many were assisted because they were experiencing homelessness. For:
- public housing, half (48%, or 7,200) of newly allocated households were provided to households experiencing homelessness in 2018–19, down from a peak of 59% (9,100) in 2013–14
- SOMIH, 40% (180) of newly allocated households were provided to the homeless in 2018–19, a decrease from a peak of 52% (235) in 2015–16
- mainstream community housing, 39% (5,000) of newly allocated households were provided to the homeless in 2018–19, down from 43% (3,100) in 2013–14 (AIHW 2020).
Social housing dwellings
While the number of social housing dwellings has increased overall, it has not kept pace with population growth. Indeed, the number has decreased relative to the number of Australian households (AIHW 2020).
- At 30 June 2019, there were about 437,700 social housing dwellings, an increase from 408,800 at 30 June 2006.
- The number of public housing dwellings declined from around 341,400 in 2005–06 to 305,200 , at 30 June 2019. This was offset by an increase in community housing dwellings, from 32,300 to 100,200 over the same period.
- The number of ‘other’ types of social housing dwellings (SOMIH and Indigenous community housing) decreased from 35,100 to 32,300 over this period (Figure 1).