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Western Australia

Housing loan quartiles

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

In Western Australia, the 'highest group' was the largest quartile, comprising of 29% of households with mortgages in 2016.

Mortgage repayments in Western 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
Western Australia - Households (Enumerated)20162011Change
Loan repayment quartile groupNumber%Australia %Number%Australia %2011 to 2016
Lowest group69,15720.825.066,13723.025.0+3,020
Medium lowest72,54921.825.064,02522.325.0+8,525
Medium highest95,24228.625.072,41925.225.0+22,823
Highest group96,10428.925.084,88829.525.0+11,216

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, Australia: 25.0% Medium highest, Australia: 25.0% Medium lowest, Australia: 25.0% Lowest group, Australia: 25.0% Highest group, Western Australia: 28.9% Medium highest, Western Australia: 28.6% Medium lowest, Western Australia: 21.8% Lowest group, Western Australia: 20.8%
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, Western Australia: +11,216 Medium highest, Western Australia: +22,823 Medium lowest, Western Australia: +8,525 Lowest group, Western Australia: +3,020
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 Western Australia compared to Australia shows that there was a larger proportion of households in the highest repayment quartile, and a smaller proportion in the lowest repayment quartile.

Emerging groups

The total number of households with a mortgage in Western Australia increased by 45,585 between 2011 and 2016. The most significant change in Western Australia during this period was in the medium highest quartile which showed an increase of 22,823 households.

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