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City of OnkaparingaCommunity profile

O'Sullivan Beach - Lonsdale

Housing loan quartiles

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In O'Sullivan Beach - Lonsdale, the 'medium lowest group' was the largest quartile, comprising of 42% of households with mortgages in 2021.

Mortgage repayments in O'Sullivan Beach - Lonsdale 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
O'Sullivan Beach - Lonsdale - Households (Enumerated)20212016Change
Loan repayment quartile groupNumber%City of Onkaparinga %Number%City of Onkaparinga %2016 to 2021
Lowest group9235.523.310440.223.8-11
Medium lowest11042.229.98834.027.5+22
Medium highest4517.428.94919.229.6-4
Highest group124.917.9176.719.1-5
Total households with stated mortgage repayments262100.0100.0260100.0100.0+2
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 O'Sullivan Beach - Lonsdale compared to the City of Onkaparinga 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 O'Sullivan Beach - Lonsdale decreased by 260 between 2016 and 2021. The most significant change in O'Sullivan Beach - Lonsdale during this period was in the medium lowest quartile which showed an increase of 22 households.

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