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Gosford City

Housing loan quartiles

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

Mortgage repayments in Gosford City 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
Gosford City - Households (Enumerated)20112006Change
Loan repayment quartile groupNumber%Greater Sydney %Number%Greater Sydney %2006 to 2011
Lowest group4,95824.519.04,20223.117.9+756
Medium lowest5,65428.021.84,89927.021.7+754
Medium highest5,85629.027.35,22928.827.9+627
Highest group3,73218.531.83,84421.232.5-113

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 New South Wales Monthly housing loan repayments by Census year
Housing loan repayment ranges
2011
2006
2001
1996
Lowest group $0 to $1,266 $0 to $993 $0 to $723 $0 to $605
Medium lowest $1,267 to $1,995 $994 to $1,557 $724 to $1,069 $606 to $905
Medium highest $1,996 to $2,853 $1,558 to $2,416 $1,070 to $1,550 $906 to $1,268
Highest group $2,854 and over $2,417 and over $1,551 and over $1,269 and over

Housing loan quartiles, 2011
Housing loan quartiles, 2011 Highest group, Greater Sydney: 31.8% Medium highest, Greater Sydney: 27.3% Medium lowest, Greater Sydney: 21.8% Lowest group, Greater Sydney: 19.0% Highest group, Gosford City: 18.5% Medium highest, Gosford City: 29.0% Medium lowest, Gosford City: 28.0% Lowest group, Gosford City: 24.5%
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, Gosford City: -113 Medium highest, Gosford City: +627 Medium lowest, Gosford City: +754 Lowest group, Gosford City: +756
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 Gosford City compared to Greater Sydney 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 Gosford City increased by 2,025 between 2006 and 2011. The most significant change in Gosford City during this period was in the lowest quartile which showed an increase of 756 households.

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