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The Hills Shire CouncilCommunity profile

The Hills Shire

Housing loan quartiles

In The Hills Shire, the 'highest group' was the largest quartile, comprising of 47% of households with mortgages in 2021.

Mortgage repayments in The Hills 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.

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
The Hills Shire - Households (Enumerated)20212016Change
Loan repayment quartile groupNumber%Greater Sydney %Number%Greater Sydney %2016 to 2021
Lowest group3,76214.618.93,57617.119.8+186
Medium lowest3,55913.821.12,99414.320.9+565
Medium highest6,29524.527.55,31125.427.1+984
Highest group12,12347.132.59,01243.132.2+3,112
Total households with stated mortgage repayments25,741100.0100.020,895100.0100.0+4,846
Source: Australian Bureau of Statistics, Census of Population and Housing 2016 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 New South WalesMonthly housing loan repayments by Census year
Housing loan repayment ranges20212016201120062001
Lowest group$0 to $1,381$0 to $1,263$0 to $1,266$0 to $993$0 to $723
Medium lowest$1,382 to $2,123$1,264 to $1,989$1,267 to $1,995$994 to $1,557$724 to $1,069
Medium highest$2,124 to $3,203$1,990 to $2,865$1,996 to $2,853$1,558 to $2,416$1,070 to $1,550
Highest group$3,204 and over$2,866 and over$2,854 and over$2,417 and over$1,551 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 Hills Shire compared to Greater Sydney shows that there was a larger proportion of households in the highest repayment quartile, and a smaller proportion in the lowest repayment quartile.

Emerging groups

The total number of households with a mortgage in The Hills Shire decreased by 20,895 between 2016 and 2021. The most significant change in The Hills Shire during this period was in the highest quartile which showed an increase of 3,112 households.

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