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In CAD West, the 'medium lowest group' was the largest quartile, comprising of 36% of households with mortgages in 2011.

Mortgage repayments in CAD West are directly related to house prices, length of occupancy and the level of equity of home owners. When viewed with Household Income data it may also indicate the level of housing stress in the community.

The quartile method is the most objective method of comparing change in the mortgage payment profile of a community over time.

A detailed explanation of how Housing Loan Repayment quartiles are calculated and interpreted is available in specific data notes.

Derived from the Census questions:

'How much does your household pay for this dwelling?' and 'Is this dwelling (owned outright, owned with a mortgage etc.)'

Households with a mortgage

Housing loan quartiles
CAD West20112006Change
Loan repayment quartile groupNumber%City of Adelaide %Number%City of Adelaide %2006 to 2011
Lowest group1312.617.234.911.7+10
Medium lowest3736.517.41016.114.9+27
Medium highest2121.323.01727.222.0+5
Highest group3029.742.43251.851.5-2

Source: Australian Bureau of Statistics, Census of Population and Housing 2006 and 2011. Compiled and presented by .id , the population experts.

Housing loan - Quartile group dollar ranges
Calculated from loan repayment data for South Australia Monthly housing loan repayments by Census year
Housing loan repayment ranges
2011
2006
2001
1996
Lowest group $0 to $936 $0 to $670 $0 to $488 $0 to $446
Medium lowest $937 to $1,478 $671 to $1,038 $489 to $701 $447 to $648
Medium highest $1,479 to $2,094 $1,039 to $1,477 $702 to $966 $649 to $889
Highest group $2,095 and over $1,478 and over $967 and over $890 and over

Housing loan quartiles, 2011
Housing loan quartiles, 2011 Highest group, City of Adelaide: 42.4% Medium highest, City of Adelaide: 23.0% Medium lowest, City of Adelaide: 17.4% Lowest group, City of Adelaide: 17.2% Highest group, CAD West: 29.7% Medium highest, CAD West: 21.3% Medium lowest, CAD West: 36.5% Lowest group, CAD West: 12.6%
Source: Australian Bureau of Statistics, Census of Population and Housing, 2011 (Enumerated data)
Compiled and presented in profile.id by .id, the population experts.
Change in housing loan quartiles, 2006 to 2011
Change in housing loan quartiles, 2006 to 2011 Highest group, CAD West: -2 Medium highest, CAD West: +5 Medium lowest, CAD West: +27 Lowest group, CAD West: +10
Source: Australian Bureau of Statistics, Census of Population and Housing, 2006 and 2011 (Enumerated data)
Compiled and presented in profile.id by .id, the population experts.

Dominant groups

Housing loan repayment quartiles allow us to compare relative repayment liabilities across time. Analysis of the distribution of households by housing loan repayment quartiles in CAD West compared to the City of Adelaide shows that there was a smaller proportion of households in the highest repayment quartile, as well as a smaller proportion in the lowest repayment quartile.

Emerging groups

The total number of households with a mortgage in CAD West increased by 39 between 2006 and 2011. The most significant change in CAD West during this period was in the medium lowest quartile which showed an increase of 27 households.