

Unpaid council rates have hit $2.4 billion nationally, growing faster than the rates base itself. Dailius Wilson and Vanessa Hood break down the state-by-state data, the five fixes that are working, and where your council ranks against 507 others.

8.3% of all rates are now unpaid nationally
Against a target benchmark of 4 to 5%, and the gap is widening rather than holding steady.

Regional councils are being hit harder than metro
Arrears growth in regional areas is running at 12.5%, well above the metro rate, a counterintuitive finding from the report.

Five practical fixes are already working
From bill smoothing to uniting the notice and the payment, councils like Whitehorse and Greater Dandenong are proving arrears growth is not inevitable.

Dailius Wilson is Chief Revenue Officer and Chief Economist at Payble, and has tracked council arrears across Australia for five years. Vanessa Hood is Payble's Payment Experience Lead, working directly with councils on their collections strategy.
Only 12–14% of Whitehorse's animals were registered under the old paper-based renewal process. See how self-service QR renewals, auto-reconciliation and set-and-forget payments turned that around in a single renewal cycle — and what it freed up for staff.

Hutt City managed rates the same way for 25+ years. Arrears hit 5%. Direct debit stalled at 44%. Then they went live with Payble - and processed $5.5M across 21,354 plans without staff loading a single one.

Rate caps are rising at half the pace of inflation, infrastructure costs haven't dropped since COVID, and arrears are compounding. In this roundtable, council leaders unpack the four federal budget measures squeezing local government and the four levers councils can act on now to protect cash flow and financial sustainability.
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