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Mount Barker District CouncilCommunity profile

Mount Barker District Council

Housing loan quartiles

In the Mount Barker District Council, the 'medium highest group' was the largest quartile, comprising of 30% of households with mortgages in 2021.

Mortgage repayments in the Mount Barker District Council 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.

Please note, interest rates at the 2021 Census were at a record low in Australia. The first interest rate rises by the Reserve Bank began an upward cycle from May 2022. Please use mortgage payment data with caution as data from the 2021 Census pre-dates all official rate rises in the current cycle.

Q:

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.)'

Housing loan quartiles
Mount Barker District Council - Households (Enumerated)20212016Change
Loan repayment quartile groupNumber%Mount Barker - Wistow and District %Number%Mount Barker - Wistow and District %2016 to 2021
Lowest group1,17718.216.51,02119.417.8+155
Medium lowest1,59424.625.21,17022.222.9+424
Medium highest1,96430.332.81,54829.330.0+415
Highest group1,74126.925.41,53829.129.2+203
Total households with stated mortgage repayments6,478100.0100.05,280100.0100.0+1,198
Source: Australian Bureau of Statistics, Census of Population and Housing 2016 and 2021. Compiled and presented by .id (informed decisions).
Please refer to specific data notes for more information
Housing loan - Quartile group dollar ranges
Calculated from loan repayment data for South AustraliaMonthly housing loan repayments by Census year
Housing loan repayment ranges20212016201120062001
Lowest group$0 to $1,023$0 to $964$0 to $936$0 to $670$0 to $488
Medium lowest$1,024 to $1,499$965 to $1,470$937 to $1,478$671 to $1,038$489 to $701
Medium highest$1,500 to $2,073$1,471 to $2,051$1,479 to $2,094$1,039 to $1,477$702 to $966
Highest group$2,074 and over$2,052 and over$2,095 and over$1,478 and over$967 and over

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 Mount Barker District Council compared to Mount Barker - Wistow and District shows that there was a larger proportion of households in the highest repayment quartile, as well as a larger proportion in the lowest repayment quartile.

Emerging groups

The total number of households with a mortgage in the Mount Barker District Council decreased by 5,280 between 2016 and 2021. The most significant change in the Mount Barker District Council during this period was in the medium lowest quartile which showed an increase of 424 households.

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