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Water Gully Ward

Housing loan quartiles

In Water Gully Ward, the 'highest group' was the largest quartile, comprising of 29% of households with mortgages in 2011.

Mortgage repayments in Water Gully Ward 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
Water Gully Ward20112006Change
Loan repayment quartile groupNumber%City of Tea Tree Gully %Number%City of Tea Tree Gully %2006 to 2011
Lowest group50521.922.250923.421.5-4
Medium lowest53023.024.653624.625.3-6
Medium highest59325.728.459227.228.4+1
Highest group67629.324.754124.924.8+135

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 South Australia Monthly housing loan repayments by Census year
Housing loan repayment ranges
2011
2006
2001
1996
Lowest group $0 to $936 $0 to $670 $0 to $488 $0 to $446
Medium lowest $937 to $1,478 $671 to $1,038 $489 to $701 $447 to $648
Medium highest $1,479 to $2,094 $1,039 to $1,477 $702 to $966 $649 to $889
Highest group $2,095 and over $1,478 and over $967 and over $890 and over

Housing loan quartiles, 2011
Housing loan quartiles, 2011 Highest group, City of Tea Tree Gully: 24.7% Medium highest, City of Tea Tree Gully: 28.4% Medium lowest, City of Tea Tree Gully: 24.6% Lowest group, City of Tea Tree Gully: 22.2% Highest group, Water Gully Ward: 29.3% Medium highest, Water Gully Ward: 25.7% Medium lowest, Water Gully Ward: 23.0% Lowest group, Water Gully Ward: 21.9%
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, Water Gully Ward: +135 Medium highest, Water Gully Ward: +1 Medium lowest, Water Gully Ward: -6 Lowest group, Water Gully Ward: -4
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 Water Gully Ward compared to the City of Tea Tree Gully shows that there was a larger proportion of households in the highest repayment quartile, and a similar proportion in the lowest repayment quartile.

Emerging groups

The total number of households with a mortgage in Water Gully Ward increased by 126 between 2006 and 2011. The most significant change in Water Gully Ward during this period was in the highest quartile which showed an increase of 135 households.