Powered by .id (informed decisions) for Blacktown City Council
.id community is an evidence base for over 250 local government areas in Australia and New Zealand, helping you make informed decisions.
LEARN MORE ABOUT .idIn Dharruk, the 'medium lowest group' was the largest quartile, comprising of 35% of households with mortgages in 2021.
Mortgage repayments in Dharruk 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 | |||||||
|---|---|---|---|---|---|---|---|
| Dharruk - Households (Enumerated) | 2021 | 2016 | Change | ||||
| Loan repayment quartile group | Number | % | WSROC Region % | Number | % | WSROC Region % | 2016 to 2021 |
| Lowest group | 100 | 34.5 | 20.3 | 96 | 31.5 | 20.8 | +4 |
| Medium lowest | 102 | 35.4 | 25.4 | 114 | 37.4 | 25.3 | -12 |
| Medium highest | 70 | 24.4 | 31.7 | 69 | 22.8 | 30.9 | +1 |
| Highest group | 16 | 5.7 | 22.6 | 25 | 8.3 | 23.0 | -9 |
| Total households with stated mortgage repayments | 289 | 100.0 | 100.0 | 306 | 100.0 | 100.0 | -16 |
| Housing loan - Quartile group dollar ranges | |||||
|---|---|---|---|---|---|
| Calculated from loan repayment data for New South Wales | Monthly housing loan repayments by Census year | ||||
| Housing loan repayment ranges | 2021 | 2016 | 2011 | 2006 | 2001 |
| 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 Dharruk compared to WSROC Region shows that there was a smaller proportion of households in the highest repayment quartile, and a larger proportion in the lowest repayment quartile.
Emerging groups
The total number of households with a mortgage in Dharruk decreased by 306 between 2016 and 2021. The most significant change in Dharruk during this period was in the medium lowest quartile which showed a slight decrease of -12 households.
DISCLAIMER: While all due care has been taken to ensure that the content of this website is accurate and current, there may be errors or omissions in it and no legal responsibility is accepted for the information and opinions in this website.
Please view our Privacy Policy, Terms of use and Legal notices.
ABS Data and the copyright in the ABS Data remains the property of the Australian Bureau of Statistics. The copyright in the way .id has modified, transformed or reconfigured the ABS Data as published on this website remains the property of .id. ABS Data can be accessed from the Australian Bureau of Statistics at www.abs.gov.au. ABS data can be used under license - terms published on ABS website. intermediary.management@abs.gov.au if you have any queries or wish to distribute any ABS data.