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1301.0 - Year Book Australia, 2006  
Previous ISSUE Released at 11:30 AM (CANBERRA TIME) 20/01/2006   
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Contents >> Chapter 8 - Housing >> Housing costs and income

HOUSING COSTS AND INCOME

Housing costs cover different items for different types of tenure. For owners who have no mortgage, housing costs comprise the rates paid. For owners with a mortgage, housing costs consist of the value of the mortgage payments as well as property rates. For households renting their dwelling, housing costs comprise the regular rental amounts paid to landlords.

In the 2002-03 Survey of Income and Housing, owners with a mortgage reported average housing costs of $246 per week, somewhat higher than the average housing costs for other forms of tenure (table 8.7). Households renting from private landlords had average weekly housing costs of $189, compared with $81 for tenants of state or territory housing authorities. However, comparisons between the gross private rents paid and the rents paid by tenants of housing authorities do not account for those private renters receiving CRA. Whereas housing authority tenants pay a reduced rent, CRA recipients receive additional benefits from the Australian Government to enable higher private rents to be paid.

8.7 OWNER AND RENTER HOUSEHOLDS, Housing costs by household composition - 2002-03

Couple, one family

Tenure and landlord type
Couple
only
Couple with dependent
children only
Couple -
other
Total
couples,
one family
One parent
and dependents,
one family
Lone
person
Other
Total

AVERAGE WEEKLY HOUSING COSTS ($)

Owner without a mortgage
24
31
29
26
30
20
29
25
Owner with a mortgage
262
266
229
258
183
199
239
246
Renter -state/territory housing authority
93
125
146
119
84
59
101
81
Renter - private landlord
211
218
223
215
171
157
204
189
Total renters(a)
197
204
204
201
143
130
191
166
Total owner and renter households
121
209
135
158
136
96
152
140

AVERAGE GROSS WEEKLY INCOME ($)

Owner without a mortgage
807
1,352
1,613
1,083
880
437
1,105
901
Owner with a mortgage
1,514
1,455
1,997
1,570
853
810
1,562
1,439
Renter - state/territory housing authority
551
701
1,037
735
468
254
708
443
Renter - private landlord
1,223
1,111
1,611
1,216
618
606
1,248
950
Total renters(a)
1,162
1,078
1,492
1,167
570
518
1,189
854
Total owner and renter households
1,068
1,361
1,763
1,309
683
534
1,253
1,070

AVERAGE HOUSING COSTS AS A PROPORTION OF INCOME (%)

Owner without a mortgage
3
2
2
2
3
*5
3
3
Owner with a mortgage
17
18
11
16
21
*25
15
17
Renter - state/territory housing authority
17
18
14
16
18
23
14
18
Renter - private landlord
17
20
14
18
28
26
**16
20
Total renters(a)
17
19
14
17
25
25
**16
19
Total owner and renter households
11
15
8
12
20
17
*12
13

HOUSEHOLDS (’000)

Owner without a mortgage
1,033.8
321.4
376.4
1,731.6
74.3
768.6
205.9
2,780.4
Owner with a mortgage
531.8
1,044.5
350.1
1,926.4
123.7
315.6
159.3
2,525.0
Renter - state/territory housing authority
28.6
28.9
20.8
78.3
91.0
173.8
29.7
372.8
Renter - private landlord
303.9
294.7
73.0
671.6
212.5
536.4
259.7
1,680.2
Total renters(a)
348.8
338.0
96.3
783.1
315.6
758.0
296.4
2,153.2
Total owner and renter households
1,914.4
1,703.9
822.7
4,444.1
513.6
1,842.3
661.6
7,458.6

HOUSEHOLD AND DWELLING SIZE (no.)

Average persons in household
2.0
4.0
3.9
3.1
2.9
1.0
2.7
2.5
Average bedrooms in dwelling
3.0
3.4
3.5
3.2
3.1
2.4
3.0
3.0

(a) Includes other landlord types.

Source: ABS data available on request, Survey of Income and Housing, 2002-03.


For many households, weekly housing costs are a significant proportion of their gross weekly income. In 2002-03 housing costs represented 17% of gross weekly income for owners with a mortgage, 18% of gross weekly income for tenants of a state or territory housing authority and 20% of gross weekly income for tenants renting from a private landlord (table 8.7). Housing costs as a proportion of income differed depending on tenure type, landlord type and household composition (graph 8.8 and table 8.9). However, treating CRA as a rent subsidy rather than as a component of income would reduce the difference in rents between private renters and housing authority tenants.


See also
Housing costs - capital cities, which focuses on capital city households, drawing on results from the same survey.

Graph 8.8: AVERAGE HOUSING COSTS AS A PROPORTION OF INCOME, By tenure and landlord type, and household composition - 2002-03


8.9 OWNER AND RENTER HOUSEHOLDS, Housing costs as a proportion of income - 2002-03

Renter

Housing costs as a proportion of income
Units
Owner
without a
mortgage
Owner
with a
mortgage
State/territory
housing
authority
Private
landlord
Total(a)
Total

25% or less
%
96.8
71.1
78.5
57.0
61.4
77.9
More than 25-30%
%
*0.2
9.6
10.6
10.6
10.8
6.5
More than 30-50%
%
0.5
12.8
9.5
21.2
18.8
9.9
More than 50%(b)
%
2.5
6.5
*1.3
11.2
9.1
5.7
Total
%
100.0
100.0
100.0
100.0
100.0
100.0
Total households
'000
2,780.4
2,525.0
372.8
1,680.2
2,153.3
7,458.6

(a) Includes other landlord types.
(b) Includes households with nil or negative total income.

Source: ABS data available on request, Survey of Income and Housing, 2002-03.


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