"Everyone deserves to live in a safe, warm, dry home, and these figures show that the very people who need to stay warm and dry the most are missing out.
"Accessible rentals are few and far between, especially in the current housing crisis, so all too often disabled people are forced to accept poor quality housing.
"Disabled people are also often on lower incomes and have higher health and disability expenses, which forces many into lower cost but cold and damp rentals."
Mathers said these living conditions are compounded as people on low incomes are forced into expensive pre-paid power plans, which cost them more to heat their homes.
Difficulty staying warm was less common for disabled people who live in an owner-occupied home, about 20 per cent.