Powered by .id (informed decisions) for RDA Northern Territory
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LEARN MORE ABOUT .idIn 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) | 2021 | 2011 | Change | ||||
| Loan repayment quartile group | Number | % | Belyuen Community Government Council LGA % | Number | % | Belyuen Community Government Council LGA % | 2011 to 2021 |
| Lowest group | 5,141 | 25.0 | -- | 4,488 | 25.0 | -- | +653 |
| Medium lowest | 5,141 | 25.0 | -- | 4,487 | 25.0 | -- | +654 |
| Medium highest | 5,141 | 25.0 | -- | 4,488 | 25.0 | -- | +653 |
| Highest group | 5,141 | 25.0 | -- | 4,488 | 25.0 | -- | +653 |
| Total households with stated mortgage repayments | 20,566 | 100.0 | -- | 17,953 | 100.0 | -- | +2,613 |
| Housing loan - Quartile group dollar ranges | |||||
|---|---|---|---|---|---|
| Calculated from loan repayment data for Northern Territory | Monthly housing loan repayments by Census year | ||||
| Housing loan repayment ranges | 2021 | 2016 | 2011 | 2006 | 2001 |
| 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 Belyuen Community Government Council LGA shows that there was a larger proportion of households in the highest repayment quartile, as well as 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 17,953 between 2011 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 654 households.
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