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Harvester Ward

Housing loan quartiles

In Harvester Ward, the 'medium highest group' was the largest quartile, comprising of 29% of households with mortgages in 2011.

Mortgage repayments in Harvester Ward 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
Harvester Ward20112006Change
Loan repayment quartile groupNumber%City of Brimbank %Number%City of Brimbank %2006 to 2011
Lowest group1,22824.426.01,13428.726.2+94
Medium lowest1,32026.228.51,11428.228.4+206
Medium highest1,44328.727.299725.226.6+445
Highest group1,04320.718.371018.018.8+332

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 Victoria Monthly housing loan repayments by Census year
Housing loan repayment ranges
2011
2006
2001
1996
Lowest group $0 to $1,103 $0 to $831 $0 to $596 $0 to $502
Medium lowest $1,104 to $1,695 $832 to $1,261 $597 to $866 $503 to $750
Medium highest $1,696 to $2,351 $1,262 to $1,823 $867 to $1,208 $751 to $1,034
Highest group $2,352 and over $1,824 and over $1,209 and over $1,035 and over

Housing loan quartiles, 2011
Housing loan quartiles, 2011 Highest group, City of Brimbank: 18.3% Medium highest, City of Brimbank: 27.2% Medium lowest, City of Brimbank: 28.5% Lowest group, City of Brimbank: 26.0% Highest group, Harvester Ward: 20.7% Medium highest, Harvester Ward: 28.7% Medium lowest, Harvester Ward: 26.2% Lowest group, Harvester Ward: 24.4%
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, Harvester Ward: +332 Medium highest, Harvester Ward: +445 Medium lowest, Harvester Ward: +206 Lowest group, Harvester Ward: +94
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 Harvester Ward compared to City of Brimbank 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 Harvester Ward increased by 1,078 between 2006 and 2011. The most significant change in Harvester Ward during this period was in the medium highest quartile which showed an increase of 445 households.