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National Growth Areas Alliance (NGAA)

Housing loan quartiles

In the National Growth Areas Alliance (NGAA), the 'medium highest group' was the largest quartile, comprising of 30% of households with mortgages in 2011.

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)20112006Change
Loan repayment quartile groupNumber%Greater Sydney %Number%Greater Sydney %2006 to 2011
Lowest group86,64620.316.279,76921.613.5+6,877
Medium lowest113,68226.619.097,16026.316.2+16,522
Medium highest130,09830.426.7107,56129.224.2+22,536
Highest group96,93722.738.184,36722.946.2+12,569

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 [theQBM] Monthly housing loan repayments by Census year
Housing loan repayment ranges
2011
2006
2001
1996
Lowest group $0 to $1,159 $0 to $850 $0 to $613 $0 to $525
Medium lowest $1,160 to $1,804 $851 to $1,305 $614 to $891 $526 to $787
Medium highest $1,805 to $2,596 $1,306 to $1,931 $892 to $1,261 $788 to $1,103
Highest group $2,597 and over $1,932 and over $1,262 and over $1,104 and over

Housing loan quartiles, 2011
Housing loan quartiles, 2011 Highest group, Greater Sydney: 38.1% Medium highest, Greater Sydney: 26.7% Medium lowest, Greater Sydney: 19.0% Lowest group, Greater Sydney: 16.2% Highest group, National Growth Areas Alliance (NGAA): 22.7% Medium highest, National Growth Areas Alliance (NGAA): 30.4% Medium lowest, National Growth Areas Alliance (NGAA): 26.6% Lowest group, National Growth Areas Alliance (NGAA): 20.3%
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, National Growth Areas Alliance (NGAA): +12,569 Medium highest, National Growth Areas Alliance (NGAA): +22,536 Medium lowest, National Growth Areas Alliance (NGAA): +16,522 Lowest group, National Growth Areas Alliance (NGAA): +6,877
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 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 58,504 between 2006 and 2011. 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 22,536 households.

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