National Growth Areas AllianceCommunity profile
census-message-logo

We’re continuing to update these pages with data from the 2016 Census. Read more about our updates.

Skip to content

National Growth Areas Alliance (NGAA)

Housing loan quartiles

census-message-logo

This topic has been updated with 2016 Census data for all areas. What's this?

In the National Growth Areas Alliance (NGAA), the 'medium highest group' was the largest quartile, comprising of 30% of households with mortgages in 2016.

Mortgage repayments in the National Growth Areas Alliance (NGAA) 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
National Growth Areas Alliance (NGAA) - Households (Enumerated)20162011Change
Loan repayment quartile groupNumber%Greater Sydney %Number%Greater Sydney %2011 to 2016
Lowest group123,52919.917.8111,83720.316.2+11,692
Medium lowest164,89526.517.5142,34625.819.0+22,548
Medium highest188,17430.324.6164,33629.826.7+23,838
Highest group145,11723.340.1132,87324.138.1+12,244

Source: Australian Bureau of Statistics, Census of Population and Housing 2011 and 2016. Compiled and presented by .id , the population experts.

Housing loan - Quartile group dollar ranges
Calculated from loan repayment data for [theQBM] Monthly housing loan repayments by Census year
Housing loan repayment ranges
2016
2011
2006
2001
1996
Lowest group $0 to $1,184 $0 to $1,159 $0 to $850 $0 to $613 $0 to $525
Medium lowest $1,185 to $1,784 $1,160 to $1,804 $851 to $1,305 $614 to $891 $526 to $787
Medium highest $1,785 to $2,518 $1,805 to $2,596 $1,306 to $1,931 $892 to $1,261 $788 to $1,103
Highest group $2,519 and over $2,597 and over $1,932 and over $1,262 and over $1,104 and over

Housing loan quartiles, 2016
Housing loan quartiles, 2016 Highest group, Greater Sydney: 40.1% Medium highest, Greater Sydney: 24.6% Medium lowest, Greater Sydney: 17.5% Lowest group, Greater Sydney: 17.8% Highest group, National Growth Areas Alliance (NGAA): 23.3% Medium highest, National Growth Areas Alliance (NGAA): 30.3% Medium lowest, National Growth Areas Alliance (NGAA): 26.5% Lowest group, National Growth Areas Alliance (NGAA): 19.9%
Source: Australian Bureau of Statistics, Census of Population and Housing, 2016 (Enumerated data)
Compiled and presented in profile.id by .id, the population experts.
Change in housing loan quartiles, 2011 to 2016
Change in housing loan quartiles, 2011 to 2016 Highest group, National Growth Areas Alliance (NGAA): +12,244 Medium highest, National Growth Areas Alliance (NGAA): +23,838 Medium lowest, National Growth Areas Alliance (NGAA): +22,548 Lowest group, National Growth Areas Alliance (NGAA): +11,692
Source: Australian Bureau of Statistics, Census of Population and Housing, 2011 and 2016 (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 National Growth Areas Alliance (NGAA) 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 the National Growth Areas Alliance (NGAA) increased by 70,322 between 2011 and 2016. The most significant change in the National Growth Areas Alliance (NGAA) during this period was in the medium highest quartile which showed an increase of 23,838 households.

v17.12.12-1.0.0