Between easy monetary policy and a Covid-induced inability to pay, the average home mortgage repayment fell over the 2020 calendar year, the 2022 Household, Income and Labour Dynamics in Australia Survey reveals. The average annual outlay on mortgage repayments in CY2020 was A$9382, a fall of two per cent on 2019. Outlays on rent fell by a similar percentage. Not that anywhere near as many people are on the hunt for mortgage finance, or even for rental liabilities. The proportion of young adults living in the parental home has grown since 2001.  In 2001, 47.3 per cent of men and 36.7 per cent of women aged 18 to 29 were living with their parents, while the proportions for 2020 were 55.1 per cent of men and 48.4 per cent  of women. Those with mortgages and rent to pay during the pandemic ran down savings to hang in there, while many were in need of lender forbearance. HILDA shows 10.3 per cent of homeowners with a mortgage suspended payments. Around six per cent suspended rent payments and almost as many tried, but failed, to do so. Nine per cent dipped into superannuation.