The average Irish disposable household income increased by 2.2% in 2008 while social welfare and other State benefits accounted for more than 22% of household income, according to the CSO's Survey on Income and Living Conditions 2008. For the 10% of households in the lowest income bracket, State benefits accounted for 88% of the gross household income while they accounted for just seven per cent of income for the 10% of households with the highest earnings. The survey also found that more than 20% of households were in arrears on payments such as bank accounts, mortgages, rent, credit cards and utility bills. Almost eight per cent of households had arrears of two or more types.