The Productivity Commission has begun an inquiry into housing affordability in New Zealand.
Commission chairman Murray Sherwin says house prices are significantly higher than a decade ago and there are concerns homes have become unaffordable.
Mr Sherwin says the commission will examine the factors that influence whether people can afford houses and find ways to improve it.
It has released a discussion paper on Wednesday and is calling for public submissions about the rental and owner-occupied housing markets, the upfront costs to get into a home, and the ongoing costs of maintaining one.
Public submissions are due in early August.