Liverpool City CouncilCommunity profile
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Liverpool City

Housing loan quartiles

In Liverpool City, the 'medium highest group' was the largest quartile, comprising of 32% of households with mortgages in 2011.

Mortgage repayments in Liverpool 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
Liverpool City - Households (Enumerated)20112006Change
Loan repayment quartile groupNumber%Greater Sydney %Number%Greater Sydney %2006 to 2011
Lowest group3,97518.719.03,15516.717.9+821
Medium lowest5,26624.821.84,60124.421.7+665
Medium highest6,80532.027.35,71430.227.9+1,091
Highest group5,20624.531.85,42428.732.5-218

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, Liverpool City: 24.5% Medium highest, Liverpool City: 32.0% Medium lowest, Liverpool City: 24.8% Lowest group, Liverpool City: 18.7%
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, Liverpool City: -218 Medium highest, Liverpool City: +1,091 Medium lowest, Liverpool City: +665 Lowest group, Liverpool City: +821
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 Liverpool City compared to Greater Sydney shows that there was a smaller proportion of households in the highest repayment quartile, and a similar proportion in the lowest repayment quartile.

Emerging groups

The total number of households with a mortgage in Liverpool City increased by 2,358 between 2006 and 2011. The most significant change in Liverpool City during this period was in the medium highest quartile which showed an increase of 1,091 households.

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