Commonwealth of Australia 2021. The term “social and affordable housing” has achieved common parlance without any real consensus on what the term means. The NHFIC Act refers to “social or affordable housing” but does not specifically define what types of housing the term covers. For many, “affordable housing” encompasses a range of housing types that seek to reduce or eliminate housing stress for low to moderate income households, where housing stress is generally defined as spending more than 30 per cent of household income on housing costs . “Social housing” is the most well recognised form of affordable housing in Australia and is itself an umbrella term that includes community housing – housing that is owned and/or managed by private CHPs – and public housing owned by state and territory governments. Social housing tenants are typically charged rents set at between 20 and 30 per cent of total household income. Other housing types within the “social housing” umbrella cater to tenant cohorts. Indigenous community housing (ICH) and state-owned and managed Indigenous housing (SOMIH) are dwellings owned and/or managed by CHPs and state and territory governments, respectively, for Aboriginal and Torres Strait Islander tenants.