Central Coast TASCommunity profile
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Central Coast Council area

Housing loan quartiles

In the Central Coast Council area, the 'lowest group' was the largest quartile, comprising of 28% of households with mortgages in 2011.

Mortgage repayments in the Central Coast Council area 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
Central Coast Council area - Households (Enumerated)20112006Change
Loan repayment quartile groupNumber%Regional TAS %Number%Regional TAS %2006 to 2011
Lowest group74327.528.168328.327.9+59
Medium lowest73727.327.369828.926.8+39
Medium highest67725.124.757023.624.5+107
Highest group54220.119.946119.120.8+80

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 Tasmania Monthly housing loan repayments by Census year
Housing loan repayment ranges
2011
2006
2001
1996
Lowest group $0 to $847 $0 to $580 $0 to $442 $0 to $412
Medium lowest $848 to $1,315 $581 to $898 $443 to $618 $413 to $592
Medium highest $1,316 to $1,844 $899 to $1,294 $619 to $850 $593 to $804
Highest group $1,845 and over $1,295 and over $851 and over $805 and over

Housing loan quartiles, 2011
Housing loan quartiles, 2011 Highest group, Regional TAS: 19.9% Medium highest, Regional TAS: 24.7% Medium lowest, Regional TAS: 27.3% Lowest group, Regional TAS: 28.1% Highest group, Central Coast Council area: 20.1% Medium highest, Central Coast Council area: 25.1% Medium lowest, Central Coast Council area: 27.3% Lowest group, Central Coast Council area: 27.5%
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, Central Coast Council area: +80 Medium highest, Central Coast Council area: +107 Medium lowest, Central Coast Council area: +39 Lowest group, Central Coast Council area: +59
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 the Central Coast Council area compared to Regional TAS shows that there was a similar 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 the Central Coast Council area increased by 286 between 2006 and 2011. The most significant change in the Central Coast Council area during this period was in the medium highest quartile which showed an increase of 107 households.

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