ByteMind Indices
Evidence-based indicators built from official data — housing markets, tax efficiency, New Zealand SME resilience, and selected research indicators — with the full analytical reports behind the numbers.
Sources: BIS (real HPI), OECD (price-to-income), RBNZ (mortgage rates & DTI), Stats NZ (consents & migration). See "About the Data" for methodology.
Real House Price Indices
Comparable long-run series from the Bank for International Settlements (BIS), base year 2010=100, adjusted for inflation. Available from 1970 for both New Zealand and Australia.
Source: BIS Residential Property Price Statistics, Q3 2025 release.
Price-to-Income Ratio
OECD indicator, seasonally adjusted, 2015=100. It tracks house prices relative to disposable income per person. The long-run median (1986-2025) is 88.9.
Source: OECD Affordable Housing Database, Indicator HM1.2.
Real HPI Deviation from Trend
How far real house prices sit above or below their long-run trend. Positive values mean prices are above trend.
Mortgage Rates & Household DTI
1-year fixed mortgage rates from the RBNZ B20 series. Household debt relative to disposable income from RBNZ key statistics.
Source: RBNZ B20, C40, and household debt statistics.
Building Consents & Net Migration
Annual building consents (dwellings, thousands) and net international migration (thousands) from Stats NZ/Tatauranga Aotearoa.
Source: Stats NZ Building Consents Issued and International Migration releases.
NZ & Australia Real House Price Indices (BIS, 2010=100)
Real prices, adjusted for inflation. Both countries show a clear break around 2000.
NZ Price-to-Income Ratio (OECD, 2015=100)
The dashed line is the long-run median (88.9). At 105.8 in 2025, the ratio is high but down 26% from its 2021 peak of 142.9.
Real HPI Deviation from Long-Run Trend
Above zero means prices are above trend. The gap has fallen from +38% at the 2021 peak to about +8%.
Mortgage Rates & Household Debt-to-Income
1-year fixed mortgage rate (left axis) and household debt-to-disposable-income ratio (right axis).
Building Consents & Net Migration (1995-2025)
Building consents (bars, thousands of dwellings) and net international migration (line, thousands of people). Source: Stats NZ.
Real House Price Declines: Peak to Trough
Selected housing corrections in advanced economies. New Zealand and Australia were mild by historical standards.
Tax Efficiency & Friction Index
How much friction do businesses face from corporate tax rates and tax compliance? The score runs from 0 (least friction) to 100 (most). New Zealand scores 65.4 — mid-pack among the ten economies compared.
What it measures
The friction businesses face from two things: the corporate tax rate and the time spent on tax compliance. Higher scores mean more friction.
How the score is built
Each country's tax rate and estimated compliance hours are combined into a single score from 0 (best) to 100 (worst). Formula: normalised [(tax rate × 1.5) + (compliance hours ÷ 5)].
Sources
OECD Corporate Tax Statistics (2025); World Bank Doing Business (historical) and PwC Paying Taxes for compliance hours.
NZ SME Resilience Index
A plain-language health check for New Zealand small businesses, built from the latest official Stats NZ data. The index scores resilience from 0 (weak) to 100 (strong).
A score of 37.1 means moderate pressure on small businesses: spending is down and employment is falling, while the number of businesses is still growing slightly.
What it measures
The economic health of New Zealand small and medium enterprises, using the latest official data.
Components
Retail spending trend (monthly change in electronic card transactions, seasonally adjusted), enterprise growth (year-on-year), and employment growth (year-on-year).
Sources
Stats NZ Electronic Card Transactions (Jan 2026) and Business Demography (Feb 2025) releases.
Research Indicators
Selected indicators drawn from ByteMind's analytical reports. Full methodology, sources, and downloadable data live with each report.
Sources: OECD; CoinMarketCap/CoinGecko; IBM Cost of a Data Breach; Stats NZ International Travel. See each report for full methodology.
AI Adoption: OECD Firms vs McKinsey Survey
OECD firms with 10+ employees use a strict adoption definition; McKinsey's global survey counts any functional use. The gap highlights how measurement choices shape the picture.
Digital Asset Market Capitalisation
Total cryptocurrency market capitalisation (bars) and the AI token segment (line, right axis). Crypto data are annual year-end; AI token data are Q4 snapshots from 2020 to 2025 and a Q2 2026 snapshot.
Global Average Data Breach Cost
Average total cost of a data breach, global and US, in USD millions. Source: IBM Cost of a Data Breach (2015-2025).
NZ International Visitor Arrivals
Annual overseas visitor arrivals from Stats NZ. The 2026 figure is a partial year (January-April only).
Read the Full Reports
These indicators are supported by longer analytical briefs with full methodology, references, and downloadable data.
NZ & Australia Property Markets
Long-run house price trends, valuation metrics, credit conditions, and what history suggests about the next five years.
Read the report →NZ First-Home Buyers
Who is buying, what really drives prices, and how overseas buyers, interest rates, migration, and supply fit in.
Read the report →Tax Optimisation for NZ SMEs
Entity choice, deductions, provisional tax, and the incentives Parliament has deliberately provided.
Read the report →