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RDA Northern TerritoryCommunity profile

RDA Northern Territory

Housing loan quartiles

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In the RDA Northern Territory, the 'lowest group' was the largest quartile, comprising of 25% of households with mortgages in 2021.

Mortgage repayments in the RDA Northern Territory 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
RDA Northern Territory - Households (Enumerated)20211996Change
Loan repayment quartile groupNumber%Greater Darwin %Number%Greater Darwin %1996 to 2021
Lowest group5,14125.022.73,07825.024.8+2,063
Medium lowest5,14125.023.53,07725.024.8+2,064
Medium highest5,14125.026.33,07825.024.9+2,063
Highest group5,14125.027.53,07825.025.5+2,063
Total households with stated mortgage repayments20,566100.0100.012,313100.0100.0+8,253
Source: Australian Bureau of Statistics, Census of Population and Housing 1996 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 Northern TerritoryMonthly housing loan repayments by Census year
Housing loan repayment ranges20212016201120062001
Lowest group$0 to $1,402$0 to $1,467$0 to $1,352$0 to $951$0 to $733
Medium lowest$1,403 to $2,007$1,468 to $2,126$1,353 to $2,040$952 to $1,322$734 to $1,000
Medium highest$2,008 to $2,721$2,127 to $2,976$2,041 to $2,890$1,323 to $1,826$1,001 to $1,312
Highest group$2,722 and over$2,977 and over$2,891 and over$1,827 and over$1,313 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 the RDA Northern Territory compared to Greater Darwin 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 Northern Territory decreased by 12,313 between 1996 and 2021. The most significant change in the RDA Northern Territory during this period was in the medium lowest quartile which showed an increase of 2,064 households.

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