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This Fact indicates the percentage of households whose mortgage repayments are greater than 30 percent of household income (a phenomenon otherwise referred to as mortgage stress). The average percentage of Australian households spending more than 30 percent of household income on mortgage repayments is 9.9 percent. According to the 2011 ABS Census, the city with the highest percentage is Sydney at 12 percent. The city with the lowest is Canberra at 7.8 percent.