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Dharruk

Housing loan quartiles

In 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.

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
Dharruk - Households (Enumerated)20212016Change
Loan repayment quartile groupNumber%WSROC Region %Number%WSROC Region %2016 to 2021
Lowest group10034.520.39631.520.8+4
Medium lowest10235.425.411437.425.3-12
Medium highest7024.431.76922.830.9+1
Highest group165.722.6258.323.0-9

Source: Australian Bureau of Statistics, Census of Population and Housing 2016 and 2021. Compiled and presented by .id (informed decisions).

Housing loan - Quartile group dollar ranges
Calculated from loan repayment data for [theQBMQuartile] 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

Housing loan quartiles, 2021
Housing loan quartiles, 2021 Highest group, WSROC Region: 22.6% Medium highest, WSROC Region: 31.7% Medium lowest, WSROC Region: 25.4% Lowest group, WSROC Region: 20.3% Highest group, Dharruk: 5.7% Medium highest, Dharruk: 24.4% Medium lowest, Dharruk: 35.4% Lowest group, Dharruk: 34.5%
Source: Australian Bureau of Statistics, Census of Population and Housing, 2021 (Enumerated data)
Compiled and presented in profile.id by .id (informed decisions).
Change in housing loan quartiles, 2016 to 2021
Change in housing loan quartiles, 2016 to 2021 Highest group, Dharruk: -9 Medium highest, Dharruk: +1 Medium lowest, Dharruk: -12 Lowest group, Dharruk: +4
Source: Australian Bureau of Statistics, Census of Population and Housing, 2016 and 2021 (Enumerated data)
Compiled and presented in profile.id by .id (informed decisions).

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.

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