South Gippsland Shire CouncilCommunity profile
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South Gippsland Shire

Housing loan quartiles

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This topic has been updated with 2016 Census data for all areas. What's this?

In South Gippsland Shire, the 'lowest group' was the largest quartile, comprising of 40% of households with mortgages in 2016.

Mortgage repayments in South Gippsland Shire 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
South Gippsland Shire - Households (Enumerated)20162011Change
Loan repayment quartile groupNumber%Regional VIC %Number%Regional VIC %2011 to 2016
Lowest group1,38039.637.11,30039.337.5+81
Medium lowest1,01729.231.294828.731.2+69
Medium highest64718.619.962518.919.9+22
Highest group43712.611.943613.211.5+2

Source: Australian Bureau of Statistics, Census of Population and Housing 2011 and 2016. Compiled and presented by .id , the population experts.

Housing loan - Quartile group dollar ranges
Calculated from loan repayment data for Victoria Monthly housing loan repayments by Census year
Housing loan repayment ranges
2016
2011
2006
2001
1996
Lowest group $0 to $1,133 $0 to $1,103 $0 to $831 $0 to $596 $0 to $502
Medium lowest $1,134 to $1,702 $1,104 to $1,695 $832 to $1,261 $597 to $866 $503 to $750
Medium highest $1,703 to $2,336 $1,696 to $2,351 $1,262 to $1,823 $867 to $1,208 $751 to $1,034
Highest group $2,337 and over $2,352 and over $1,824 and over $1,209 and over $1,035 and over

Housing loan quartiles, 2016
Housing loan quartiles, 2016 Highest group, Regional VIC: 11.9% Medium highest, Regional VIC: 19.9% Medium lowest, Regional VIC: 31.2% Lowest group, Regional VIC: 37.1% Highest group, South Gippsland Shire: 12.6% Medium highest, South Gippsland Shire: 18.6% Medium lowest, South Gippsland Shire: 29.2% Lowest group, South Gippsland Shire: 39.6%
Source: Australian Bureau of Statistics, Census of Population and Housing, 2016 (Enumerated data)
Compiled and presented in profile.id by .id, the population experts.
Change in housing loan quartiles, 2011 to 2016
Change in housing loan quartiles, 2011 to 2016 Highest group, South Gippsland Shire: +2 Medium highest, South Gippsland Shire: +22 Medium lowest, South Gippsland Shire: +69 Lowest group, South Gippsland Shire: +81
Source: Australian Bureau of Statistics, Census of Population and Housing, 2011 and 2016 (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 South Gippsland Shire compared to Regional VIC 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 South Gippsland Shire increased by 172 between 2011 and 2016. The most significant change in South Gippsland Shire during this period was in the lowest quartile which showed an increase of 81 households.

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