RDA Darling Downs and South West RegionCommunity profile
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RDA Darling Downs and South West Region

Housing loan quartiles

In the RDA Darling Downs and South West Region, the 'lowest group' was the largest quartile, comprising of 37% of households with mortgages in 2011.

Mortgage repayments in the RDA Darling Downs and South West Region 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
RDA Darling Downs and South West Region - Households (Enumerated)20112006Change
Loan repayment quartile groupNumber%Regional QLD %Number%Regional QLD %2006 to 2011
Lowest group10,16137.427.88,76937.427.9+1,392
Medium lowest8,75232.226.26,93429.626.0+1,818
Medium highest5,00918.423.64,68220.023.5+327
Highest group3,26012.022.43,05413.022.6+205

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 Queensland Monthly housing loan repayments by Census year
Housing loan repayment ranges
2011
2006
2001
1996
Lowest group $0 to $1,205 $0 to $852 $0 to $616 $0 to $550
Medium lowest $1,206 to $1,861 $853 to $1,279 $617 to $863 $551 to $810
Medium highest $1,862 to $2,610 $1,280 to $1,840 $864 to $1,160 $811 to $1,095
Highest group $2,611 and over $1,841 and over $1,161 and over $1,096 and over

Housing loan quartiles, 2011
Housing loan quartiles, 2011 Highest group, Regional QLD: 22.4% Medium highest, Regional QLD: 23.6% Medium lowest, Regional QLD: 26.2% Lowest group, Regional QLD: 27.8% Highest group, RDA Darling Downs and South West Region: 12.0% Medium highest, RDA Darling Downs and South West Region: 18.4% Medium lowest, RDA Darling Downs and South West Region: 32.2% Lowest group, RDA Darling Downs and South West Region: 37.4%
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, RDA Darling Downs and South West Region: +205 Medium highest, RDA Darling Downs and South West Region: +327 Medium lowest, RDA Darling Downs and South West Region: +1,818 Lowest group, RDA Darling Downs and South West Region: +1,392
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 RDA Darling Downs and South West Region compared to Regional QLD 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 RDA Darling Downs and South West Region increased by 3,743 between 2006 and 2011. The most significant change in the RDA Darling Downs and South West Region during this period was in the medium lowest quartile which showed an increase of 1,818 households.

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