--- title: "24114 – Fiscal Stress & Debt" url: https://australianproperty.network/apn-codex/series-20000/series-24000/series-24100/series-24110/series-24114/ date: 2026-01-16 modified: 2026-10-06 lang: en author: "" description: "APN Codex Node 2411424100 Series — Social Capital, Bedrock BranchCertified Fiscal Stress & Debt Localities (N) 6,633 National Mean 49.99 Std Dev 28.87 Range 0.00–100.00 1What It Measures One of..." word_count: 477 --- # 24114 – Fiscal Stress & Debt APN Codex Node 2411424100 Series — Social Capital, Bedrock BranchCertified ### Fiscal Stress & Debt Localities (N)6,633 National Mean49.99 Std Dev28.87 Range0.00–100.00 1What It Measures One of five Bedrock components. Measures mortgage repayment as a share of household income by locality — an inverse percentile rank, so a lower repayment burden scores higher. **Formula:** `Median mortgage repayment ($/month) ÷ (median household income ($/week) × 4.33)` — **Source:** ABS Census 2021 General Community Profile, Table G02, by Suburbs and Localities. The underlying ratio averages 24.4% across scored localities, ranging from 0.24% to 107.6%. Where no dwelling in a locality is owned with a mortgage, the median repayment does not measure a burden and the component returns NIL RETURN; 149 of the 6,782 Bedrock localities have no reading here for that reason. 2National Distribution N6,633 Mean49.99 Std Dev28.87 Min0.00 Max100.00 Distribution 24114 Score — All 6,633 Scored Localities Each ten-point band holds close to one tenth of the 6,633 scored localities (660 to 666): the score is a percentile rank within the scored localities, so its distribution is flat by construction. The variation between localities lies in the underlying figure above. 3Pillar Alignment and Geography **Alignment with the pillar.** Across the 6,633 localities scored on both, this component and APN Bedrock™ (Socio-Economic Position) (24110) have a correlation of **0.57**, on a scale where 1 means the two scores move together exactly and 0 means they are unrelated. The two are loosely aligned: a locality’s score on this component says only a little about its overall Bedrock score, and the component carries information the pillar’s other inputs do not. By State and Territory Average 24114 Score by State and Territory Each bar is the average locality score in that jurisdiction, with every locality counted equally regardless of population; the dashed line marks the national mean of 49.99. The Australian Capital Territory averages highest at 75.8 (100 localities) and New South Wales lowest at 38.3 (2,080). The Northern Territory averages 63.9, Tasmania 63.6, South Australia 55.5, Victoria 54.4, Queensland 54.0 and Western Australia 51.5. 4Other Components The other four components of APN Bedrock™ (Socio-Economic Position) (24110). [Node 24111 →Income Velocity & WealthReads median household income by locality.](https://australianproperty.network/apn-codex/series-20000/series-24000/series-24100/series-24110/series-24111/) [Node 24112 →Tenure Stability & HousingReads the share of occupied dwellings owned outright or with a mortgage.](https://australianproperty.network/apn-codex/series-20000/series-24000/series-24100/series-24110/series-24112/) [Node 24113 →Labour Resilience & JobsReads the unemployment rate of the local labour force.](https://australianproperty.network/apn-codex/series-20000/series-24000/series-24100/series-24110/series-24113/) [Node 24115 →Socio-Economic AdvantageReads relative socio-economic advantage and disadvantage from the ABS SEIFA index.](https://australianproperty.network/apn-codex/series-20000/series-24000/series-24100/series-24110/series-24115/) [Parent branch →24110 — APN Bedrock™ (Socio-Economic Position)](https://australianproperty.network/apn-codex/series-20000/series-24000/series-24100/series-24110/) 5Certification APN Codex Node 24114 — Certified, v1.1 - Inverse percentile rank of the ABS 2021 Census mortgage-repayment-to-income ratio - Methodology v1.1 (October 2026): every Census and SEIFA figure is joined to its locality by the ABS 2021 Suburbs and Localities code, readings of zero are retained, and the percentile is ranked against the localities of more than 200 residents that carry a reading