Debt-to-income ratio

noundebt-to-in·come ra·tiopronounced DET-too-IN-kum RAY-shee-oh

Last updated 21 April 2026

What does the noun Debt-to-income ratio mean?

Your total debt divided by your gross annual income. A DTI of 6 means you owe six times what you earn in a year. APRA considers a DTI of 6 or above to be high-risk.

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MLA citation: "Debt-to-income ratio." How to Property, 21 Apr. 2026, https://howtoproperty.com.au/definitions/debt-to-income-ratio. Accessed 7 June 2026.

Chicago citation: How to Property. "Debt-to-income ratio." Last modified April 21, 2026. https://howtoproperty.com.au/definitions/debt-to-income-ratio.

APA citation: How to Property. (2026, April 21). Debt-to-income ratio. https://howtoproperty.com.au/definitions/debt-to-income-ratio