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Perth Metropolitan Area

Housing loan quartiles

In the Perth Metropolitan Area, the 'highest group' was the largest quartile, comprising of 26% of households with mortgages in 2011.

Mortgage repayments in the Perth Metropolitan 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
Perth Metropolitan Area - Households (Enumerated)20112006Change
Loan repayment quartile groupNumber%Greater Perth %Number%Greater Perth %2006 to 2011
Lowest group55,10923.123.246,39223.023.0+8,717
Medium lowest58,70224.624.549,71124.624.6+8,991
Medium highest61,39025.825.852,12425.825.8+9,266
Highest group63,10826.526.553,90226.726.7+9,207

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 Western Australia Monthly housing loan repayments by Census year
Housing loan repayment ranges
2011
2006
2001
1996
Lowest group $0 to $1,221 $0 to $826 $0 to $605 $0 to $505
Medium lowest $1,222 to $1,969 $827 to $1,241 $606 to $855 $506 to $752
Medium highest $1,970 to $2,786 $1,242 to $1,791 $856 to $1,161 $753 to $1,019
Highest group $2,787 and over $1,792 and over $1,162 and over $1,020 and over

Housing loan quartiles, 2011
Housing loan quartiles, 2011 Highest group, Greater Perth: 26.5% Medium highest, Greater Perth: 25.8% Medium lowest, Greater Perth: 24.5% Lowest group, Greater Perth: 23.2% Highest group, Perth Metropolitan Area: 26.5% Medium highest, Perth Metropolitan Area: 25.8% Medium lowest, Perth Metropolitan Area: 24.6% Lowest group, Perth Metropolitan Area: 23.1%
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, Perth Metropolitan Area: +9,207 Medium highest, Perth Metropolitan Area: +9,266 Medium lowest, Perth Metropolitan Area: +8,991 Lowest group, Perth Metropolitan Area: +8,717
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 Perth Metropolitan Area compared to Greater Perth shows that there was a similar proportion of households in the highest repayment quartile, as well as a similar proportion in the lowest repayment quartile.

Emerging groups

The total number of households with a mortgage in the Perth Metropolitan Area increased by 36,182 between 2006 and 2011. The most significant change in the Perth Metropolitan Area during this period was in the medium highest quartile which showed an increase of 9,266 households.

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