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Housing affordability stress occurs when a household in the bottom 40 per cent of Australia's income distribution levels (i.e. in the bottom two quintiles) pays 30 per cent or more of its income in housing costs.

Rachel was awarded a Postdoctoral Fellowship from Curtin University before being appointed as a senior lecturer and, is now Deputy Director at the Bankwest Curtin Economics Centre. Much of her work is on the economics of housing, and she has a strong interest in the intersection of housing and ageing issues.