For journalists and researchers
Data & methodology
Every number on After the Fed comes from a public, official source that allows reuse. Here is what we use, how we calculate the city figures, and how to credit us.
How to cite us
Source: After the Fed, afterthefed.com
For the city repayment figures, a fuller credit: “Source: After the Fed (afterthefed.com) analysis of Reserve Bank of Australia and Australian Bureau of Statistics data”. Please link to the page you used. Questions: hello@afterthefed.com.
Downloads
- Australian capitals: median prices and repayments before and after the latest RBA decision (CSV)
- RBA cash rate target since 1990 (CSV)
Sources and licences
| Data | Publisher | Licence / terms |
|---|---|---|
| RBA cash rate target | Reserve Bank of Australia | © RBA, CC BY 4.0 (terms) |
| Lending rate on new owner-occupier variable loans | RBA Statistical Table F6, series FLRHOFVA | © RBA, CC BY 4.0 |
| Median house and attached dwelling prices (capital cities) | Australian Bureau of Statistics, RES_DWELL dataflow | © Commonwealth of Australia, CC BY 4.0 (terms) |
| Approximate visitor location (city picker default only) | IP Geolocation by DB-IP, IP to City Lite, October 2026 | CC BY 4.0; adapted (filtered to covered countries and matched to covered cities) |
Not used: Zillow and Cotality (CoreLogic) home value data, whose terms we could not confirm allow commercial republication; FRED, by choice: we go to the original publishers instead.
How the city figures are calculated
Australia (8 capital cities)
- Home price. ABS unstratified median price of established house transfers for the Greater Capital City area (ACT: whole territory), latest quarter (2026 Q2, preliminary). The tool also offers the median for attached dwellings (units, townhouses).
- Loan. Price minus a 20% deposit, 30-year principal-and-interest variable loan.
- Rates. “Before” is the RBA’s average rate on new owner-occupier variable loans for the last month before the decision took effect (August 2026: 6.20%), plus +0.25 pt for cash rate changes that took effect after that month and before this decision, assumed passed on in full, giving 6.45%. “After” adds the full change in the cash rate target (+0.25 pt), assuming the lender passes it on in full. Lenders don’t always do this.
- Repayment. Same formula; monthly uses 12 repayments a year, fortnightly uses 26 with interest charged each fortnight. Lenders charge interest daily, so their figures can differ by a few dollars.
Limits
- Metro and capital-city medians hide big differences between suburbs and neighbourhoods.
- ABS figures for the latest quarter are preliminary and get revised.
- Nothing here is a lender quote or financial advice.
Update schedule
RBA figures: after each decision. F6 lending rates: monthly. ABS medians: quarterly.