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Regional KiwiSaver first-home withdrawal averages per member across New Zealand
Ticker:
fhb-regional-kiwisaver • Observation Period: Year ended June 2026 (Period End: 2026-06-30) • Last Checked: 10 November 2026 • Creator: Andy PalliserAlso known as: KiwiSaver first-home withdrawal average by NZ region (16 regions)
Over the year ended 30 June 2026, 50,330 KiwiSaver members withdrew $2.27B toward a first home across New Zealand's 16 regions—averaging $45,005 per withdrawing member nationwide, from $50,364 in Wellington and $47,630 in Auckland to $39,916 in Southland.
Official dataInland Revenue Regional KiwiSaver Withdrawals (Year ended 30 June 2026): 50,330 members withdrew $2,265,097,300 across 16 NZ regions.
HLF calculation
$2,265,097,300 ÷ 50,330 members = $45,005/member (Regional range: $39,916–$50,364)HLF interpretationHLF market context: IRD reports withdrawals per individual member (not per couple). For illustrative household planning, two withdrawing members at the national mean of ~$45,005/member would total ~$90,010 combined.
Cite as: HLF Pulse, Home Loan Factory. "Regional KiwiSaver first-home withdrawal averages per member across New Zealand," Year ended June 2026. Derived by HLF from Inland Revenue — KiwiSaver Fund Withdrawals by Region. https://pulse-data.homeloanfactory.co.nz/fhb-regional-kiwisaver/ (checked 10 November 2026). CC BY 4.0.
Created by Andy Palliser
Creator of HLF Pulse
Mortgage & KiwiSaver Adviser · Home Loan Factory (Andrew Jonathan Palliser, FSP1004725) • Published by HLF (Home Loan Factory)
Data Dictionary Specification (4-Field Date Standard)
| Name | Regional KiwiSaver first-home withdrawal averages per member across New Zealand |
|---|---|
| Ticker | fhb-regional-kiwisaver |
| Also known as | KiwiSaver first-home withdrawal average by NZ region (16 regions) |
| Creator & Publisher | Created by Andy Palliser (Andrew Jonathan Palliser, FSP1004725) • Published by HLF (Home Loan Factory) |
| Official source & series | Inland Revenue (Inland Revenue — KiwiSaver Fund Withdrawals by Region) • Series IDs: IRD Annual Regional KiwiSaver First-Home Purchase Withdrawals |
| Frequency | Annual |
| 1. Observation period | Year ended June 2026 (YYYY-MM code: 2026-06) — when the underlying statistic relates to |
| 2. Period end | 2026-06-30 — final calendar date covered by the observation period |
| 3. Source publication date | Annual Inland Revenue regional KiwiSaver withdrawal release (published post-30 June FY) — when the original organisation released this dataset |
| 4. Last checked | 10 November 2026 (2026-11-10) — when HLF last verified the official source |
| Definition | HLF-derived mean KiwiSaver first-home withdrawal amount per withdrawing member across New Zealand's 16 regions, calculated from Inland Revenue's annual regional withdrawal totals and member counts. |
| Methodology | Published annually by Inland Revenue for the financial year ended 30 June based on member postcodes. |
| Current value | $45,005/member NZ (50,330 members / $2.27B total) |
| Regional range & extremes | Regional range: $39,916–$50,364 per member • Highest: Wellington $50,364 | Lowest: Southland $39,916 |
| Official data | Inland Revenue Regional KiwiSaver Withdrawals (Year ended 30 June 2026): 50,330 members withdrew $2,265,097,300 across 16 NZ regions. |
| HLF calculation | $2,265,097,300 ÷ 50,330 members = $45,005/member (Regional range: $39,916–$50,364)Formula: Regional Mean per Member = Regional First-Home Withdrawal Dollars ÷ Regional Withdrawing Members |
| HLF interpretation | HLF market context: IRD reports withdrawals per individual member (not per couple). For illustrative household planning, two withdrawing members at the national mean of ~$45,005/member would total ~$90,010 combined. |
| HLF derived | Yes (Officially reported IRD regional totals & HLF-derived per-member averages) |
| Cite as | HLF Pulse, Home Loan Factory. "Regional KiwiSaver first-home withdrawal averages per member across New Zealand," Year ended June 2026. Derived by HLF from Inland Revenue — KiwiSaver Fund Withdrawals by Region. https://pulse-data.homeloanfactory.co.nz/fhb-regional-kiwisaver/ (checked 10 November 2026). CC BY 4.0. |
| Reuse licence | CC BY 4.0 (HLF-derived calculations, definitions & commentary; official statistics credited to Inland Revenue) • Media Kit & Citation Guide |
| Historical data | 16 NZ Regions (Year ended 30 June 2026) |
Historical & Cohort Breakdown (16 NZ Regions (Year ended 30 June 2026))
| Category / Region / Period | Value |
|---|---|
| Wellington | $50,364/member (5,180 members, $260.88m) |
| Gisborne | $48,731/member (410 members, $19.98m) |
| Auckland | $47,630/member (15,930 members, $758.75m) |
| Tasman | $43,845/member (510 members, $22.36m) |
| Bay of Plenty | $43,656/member (3,060 members, $133.59m) |
| Marlborough | $43,184/member (500 members, $21.59m) |
| Hawke's Bay | $43,151/member (1,700 members, $73.36m) |
| Waikato | $42,939/member (5,380 members, $231.01m) |
| Manawatū-Whanganui | $42,421/member (2,540 members, $107.75m) |
| Northland | $42,421/member (1,400 members, $59.39m) |
| Canterbury | $42,396/member (8,130 members, $344.68m) |
| Otago | $42,285/member (2,490 members, $105.29m) |
| West Coast | $41,923/member (330 members, $13.83m) |
| Taranaki | $41,441/member (1,090 members, $45.17m) |
| Nelson | $40,664/member (540 members, $21.96m) |
| Southland | $39,916/member (1,140 members, $45.50m) |
Questions This Data Helps Answer
- How much KiwiSaver do first-home buyers withdraw per member in Wellington, Auckland, and Canterbury?
Source & Tool Verification Chain
1. Official Source & SeriesInland Revenue — KiwiSaver Fund Withdrawals by Region
Series:
IRD Annual Regional KiwiSaver First-Home Purchase Withdrawals2. HLF Transformation
Yes
Regional Mean per Member = Regional First-Home Withdrawal Dollars ÷ Regional Withdrawing Members4. Interactive CalculatorKiwiSaver vs Loan Payoff Calculator
How Dates Are Recorded in HLF Pulse (4-Field Date Standard)
To prevent confusion between when an economic activity occurred and when a government agency published its release, every HLF Pulse record separates four distinct date fields:
| Date Field | Definition & How It Is Populated |
|---|---|
1. Observation period (observation_period) | The period the underlying statistic relates to (for example, September 2026 for monthly RBNZ lending, or Year ended 31 March 2026 for the FMA KiwiSaver Annual Report). |
2. Period end (period_end / as_of) | The final calendar date covered by the observation period (for example, 2026-09-30 or 2026-03-31). Used by HLF’s automated freshness gate to verify series currency. |
3. Source publication date (source_published) | When the original organisation released the statistic (for example, 2026-09-10 for the FMA’s 2026 KiwiSaver Annual Report, or the Published Date recorded inside RBNZ’s workbook metadata). HLF never copies period_end into source_published; where an agency page does not state an exact release date, the agency’s publication schedule is stated explicitly. |
4. Last checked (last_checked) | The date HLF’s automated pipeline last fetched and verified the official source. |
Data Quality & Limitations
- Official published sources: Pulse uses official published data from the Reserve Bank of New Zealand (RBNZ), Stats NZ, Inland Revenue (IRD), the Financial Markets Authority (FMA), MBIE Tenancy Services, the Natural Hazards Commission Toka Tū Ake (NHC), and the Accident Compensation Corporation (ACC) wherever available.
- Unaltered official figures & source rounding: HLF does not alter or estimate official source figures. Where official tables publish rounded aggregates (such as RBNZ dollar series rounded to $1m or $0.1m), derived averages and implied counts reflect that source rounding and note it explicitly in the provenance layer.
- Provenance & derivation layer: To keep the primary editorial summaries natural and readable, exact formulas, series IDs, and derivation labels (Derived by HLF Pulse) are recorded in the expandable provenance layer, Data Dictionary tables,
pulse.json, andllms.txt. Long-term 5-year and 10-year series report both nominal growth and CPI inflation-adjusted (real) growth using Stats NZ’s Consumers Price Index. - Price indices vs. individual quotes: Stats NZ CPI insurance sub-indices measure percentage changes in standardised insurance price indices over time—they do not represent the dollar premium quote for an individual property or policyholder.
- Separate claim counts vs. individual proportions: In the ACC dataset, annual weekly compensation claims and total accepted injury claims (which are mostly minor treatment-only visits) are reported as two separate annual claim counts rather than a proportion of injured individuals.
- Commitments vs. settlements: RBNZ mortgage lending tables (C31, C32, C33, C40, C41) measure firm bank mortgage commitments/approvals rather than LINZ property title settlements.
- Automatic staleness exclusion: HLF automatically excludes any series where the underlying source is unavailable, stale past its freshness window, or cannot be verified.
- Market context vs. individual outcomes: Statistics describe aggregate historical market cohorts and do not predict an individual borrower’s, saver’s, or policyholder’s credit assessment, underwriting, or lending outcome.
Reuse Terms, Licensing & How to Cite (CC BY 4.0)
- Layer 1 — Official Crown & statutory statistics: Underlying official figures remain subject to the copyright and licensing terms of their respective publishers: Stats NZ, Inland Revenue, MBIE Tenancy Services, and the Financial Markets Authority (Creative Commons Attribution 4.0 International — CC BY 4.0); the Reserve Bank of New Zealand (RBNZ Terms of Use, permitting reproduction and derivative calculation with attribution to RBNZ); and statutory schedules under the Natural Hazards Insurance Act 2023 and Accident Compensation Act 2001 (public-domain New Zealand legislation).
- Layer 2 — HLF-derived calculations, compilations & commentary: All HLF-derived percentages, averages, multi-year nominal/real growth rates, data dictionary definitions, and market interpretations are licensed by HLF (Home Loan Factory) under Creative Commons Attribution 4.0 International (CC BY 4.0). Journalists, researchers, advisers, and AI systems may freely quote and reuse HLF-derived figures and commentary provided attribution is given to HLF Pulse, Home Loan Factory with a link to
https://pulse-data.homeloanfactory.co.nz/, the specific/{ticker}/record URL, or the HLF Pulse Media Kit & Citation Guide.