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Australia

Housing loan quartiles

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This topic has been updated with 2016 Census data for all areas. What's this?

In Australia, the 'medium highest group' was the largest quartile, comprising of 25% of households with mortgages in 2016.

Mortgage repayments in Australia 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
Australia - Households (Enumerated)20162011Change
Loan repayment quartile groupNumber%Greater Capital Cities %Number%Greater Capital Cities %2011 to 2016
Lowest group687,38425.021.5645,09425.021.4+42,290
Medium lowest687,38425.023.0645,09425.023.3+42,290
Medium highest687,38525.026.3645,09425.026.5+42,291
Highest group687,38425.029.2645,09425.028.9+42,290

Source: Australian Bureau of Statistics, Census of Population and Housing 2011 and 2016. Compiled and presented by .id , the population experts.

Housing loan - Quartile group dollar ranges
Calculated from loan repayment data for New South Wales Monthly housing loan repayments by Census year
Housing loan repayment ranges
2016
2011
2006
2001
1996
Lowest group $0 to $1,184 $0 to $1,159 $0 to $850 $0 to $613 $0 to $525
Medium lowest $1,185 to $1,784 $1,160 to $1,804 $851 to $1,305 $614 to $891 $526 to $787
Medium highest $1,785 to $2,518 $1,805 to $2,596 $1,306 to $1,931 $892 to $1,261 $788 to $1,103
Highest group $2,519 and over $2,597 and over $1,932 and over $1,262 and over $1,104 and over

Housing loan quartiles, 2016
Housing loan quartiles, 2016 Highest group, Greater Capital Cities: 29.2% Medium highest, Greater Capital Cities: 26.3% Medium lowest, Greater Capital Cities: 23.0% Lowest group, Greater Capital Cities: 21.5% Highest group, Australia: 25.0% Medium highest, Australia: 25.0% Medium lowest, Australia: 25.0% Lowest group, Australia: 25.0%
Source: Australian Bureau of Statistics, Census of Population and Housing, 2016 (Enumerated data)
Compiled and presented in profile.id by .id, the population experts.
Change in housing loan quartiles, 2011 to 2016
Change in housing loan quartiles, 2011 to 2016 Highest group, Australia: +42,290 Medium highest, Australia: +42,291 Medium lowest, Australia: +42,290 Lowest group, Australia: +42,290
Source: Australian Bureau of Statistics, Census of Population and Housing, 2011 and 2016 (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 Australia compared to Greater Capital Cities shows that there was a smaller proportion of households in the highest repayment quartile, and a larger proportion in the lowest repayment quartile.

Emerging groups

The total number of households with a mortgage in Australia increased by 169,161 between 2011 and 2016. The most significant change in Australia during this period was in the medium highest quartile which showed an increase of 42,291 households.

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