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City of Coffs HarbourCommunity profile

City of Coffs Harbour

Housing tenure

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In City of Coffs Harbour, 60.9% of low income households were purchasing or fully own their home, 23.0% were renting privately and 10.0% were in social housing in 2021.

City of Coffs Harbour's Housing Tenure data provides insights into its socio-economic status as well as the role it plays in the housing market.

This topic restricts the view of housing tenure to low income households in City of Coffs Harbour. This can differentiate between housing markets which may be unclear when looking at the overall picture. For instance, if there are a lot of renters in the private rental market among low income earners, it may be due to housing being unaffordable for those on below average incomes. In many areas, social housing plays a role in accommodation low income households. This topic can answer questions such as whether the housing market is changing and squeezing out those on low incomes.

To further build the story of low income housing in City of Coffs Harbour, tenure data should be viewed in conjunction with Dwelling Types, Age Structure and Household Type data.

Please note that the ABS definition of "Rented" in 2021 changed to exclude "Occupied Rent Free", which is now included under "Other tenure type". Looking at change from 2016, is likely to show an increase in this category - particularly for low income households, who are more likely to have this tenure type. It still represents a small proportion of all households and is expected to have a minimal effect on time series analysis.

Q:

Derived from the Census questions:

'Is this dwelling (owned outright, owned with a mortgage etc.)', and 'If this dwelling is being rented, who is it rented from?'

Housing tenure
City of Coffs Harbour - Low income households20212016Change
Tenure typeNumber%Regional NSWNumber%Regional NSW2016 to 2021
Fully owned3,27651.754.53,43445.047.9-158
Mortgage5829.29.487511.511.7-293
Renting - Total2,11833.430.32,95038.635.6-832
Renting - Social housing63410.010.785311.210.5-219
Renting - Private1,45923.019.22,04326.824.0-584
Renting - Not stated250.40.3590.81.0-34
Other tenure type2323.73.81572.11.6+75
Not stated1302.12.02122.83.2-82
Total low income households6,338100.0100.07,633100.0100.0-1,295
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

Dominant groups

Analysis of the housing tenure of low income households in City of Coffs Harbour in 2021 compared to Regional NSW shows that there was a smaller proportion low income households who owned their dwelling; a similar proportion purchasing their dwelling; and a larger proportion who were renters.

Overall, 51.7% of people in low income households were in fully owned dwellings; 9.2% had a mortgage, and 33.4% were renting, compared with 54.5%, 9.4% and 30.3% respectively for Regional NSW.

Emerging groups

The total number of low income households in City of Coffs Harbour decreased by 1,295 between 2016 and 2021.

The largest changes in housing tenure categories for low income households in the City of Coffs Harbour between 2016 and 2021 were:

  • Renting - Private (-584 households)
  • Mortgage (-293 households)
  • Renting - Social housing (-219 households)
  • Fully owned (-158 households)

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