Cowes

2011 Census All persons QuickStats
Geography type State Suburbs
Area code SSC20341
People 4,053
Male 1,927
Female 2,126
Median age 51
Families 1,025
Average children per family 1.8
All private dwellings 4,521
Average people per household 2.1
Median weekly household income $735
Median monthly mortgage repayments $1,450
Median weekly rent $220
Average motor vehicles per dwelling 1.5

Search all persons QuickStats for another area

Map is loading.
Other 2011 Census products available for this area:
To view more QuickStats or Community Profiles for a different area, see Search Census data.

People

demographics & education | cultural & language diversity | employment

Demographics & education

People Cowes % Cowes Victoria % Victoria Australia % Australia
Total 4,053 -- 5,354,042 -- 21,507,717 --
Male 1,927 47.5 2,632,619 49.2 10,634,013 49.4
Female 2,126 52.5 2,721,423 50.8 10,873,704 50.6
 null  null  null  null  null  null  null
Aboriginal and/or Torres Strait Islander people 23 0.6 37,990 0.7 548,369 2.5

In the 2011 Census, there were 4,053 people in Cowes of these 47.5% were male and 52.5% were female. Aboriginal and/or Torres Strait Islander people made up 0.6% of the population.

Age
People
Cowes % Cowes Victoria % Victoria Australia % Australia
0-4 years 197 4.9 344,733 6.4 1,421,050 6.6
5-9 years 197 4.9 326,121 6.1 1,351,921 6.3
10-14 years 208 5.1 327,939 6.1 1,371,054 6.4
15-19 years 189 4.7 345,339 6.5 1,405,798 6.5
20-24 years 142 3.5 375,108 7.0 1,460,673 6.8
25-29 years 162 4.0 388,669 7.3 1,513,236 7.0
30-34 years 169 4.2 372,214 7.0 1,453,775 6.8
35-39 years 239 5.9 383,415 7.2 1,520,138 7.1
40-44 years 259 6.4 391,197 7.3 1,542,879 7.2
45-49 years 215 5.3 372,367 7.0 1,504,142 7.0
50-54 years 245 6.0 354,110 6.6 1,447,404 6.7
55-59 years 270 6.7 317,438 5.9 1,297,244 6.0
60-64 years 326 8.0 293,812 5.5 1,206,116 5.6
65-69 years 332 8.2 224,911 4.2 919,319 4.3
70-74 years 262 6.5 177,316 3.3 708,090 3.3
75-79 years 226 5.6 140,338 2.6 545,263 2.5
80-84 years 200 4.9 114,020 2.1 436,936 2.0
85 years and over 214 5.3 104,995 2.0 402,681 1.9
Median age 51 -- 37 -- 37 --

The median age of people in Cowes was 51 years. Children aged 0 - 14 years made up 14.9% of the population and people aged 65 years and over made up 30.7% of the population.

Registered marital status
People aged 15 years and over
Cowes % Cowes Victoria % Victoria Australia % Australia
Married 1,711 49.6 2,136,928 49.1 8,461,114 48.7
Separated 151 4.4 125,441 2.9 529,280 3.0
Divorced 358 10.4 339,497 7.8 1,460,899 8.4
Widowed 384 11.1 242,620 5.6 949,634 5.5
Never married 849 24.6 1,510,759 34.7 5,962,769 34.3

Of people in Cowes aged 15 years and over, 49.6% were married and 14.7% were either divorced or separated.

Median age by registered marital status
People aged 15 years and over
Cowes % Cowes Victoria % Victoria Australia % Australia
Married 61 -- 50 -- 50 --
Separated 54 -- 49 -- 49 --
Divorced 59 -- 54 -- 54 --
Widowed 82 -- 78 -- 78 --
Never married 28 -- 25 -- 25 --

The median age of married people in Cowes was 61 years and the median age of people never married was 28 years.

Social marital status
People aged 15 years and over
Cowes % Cowes Victoria % Victoria Australia % Australia
Registered marriage 1,408 49.2 1,948,522 49.4 7,647,042 49.2
De facto marriage 269 9.4 341,315 8.7 1,476,369 9.5
Not married 1,185 41.4 1,653,820 41.9 6,413,399 41.3

In Cowes, of people aged 15 years and over, 49.2% of people were in a registered marriage and 9.4% were in a de facto marriage.

Median age by social marital status
People aged 15 years and over
Cowes % Cowes Victoria % Victoria Australia % Australia
Registered marriage 61 -- 50 -- 50 --
De facto marriage 39 -- 35 -- 35 --
Not married 50 -- 32 -- 33 --

The median age of people in a registered marriage in Cowes was 61 years and the median age of people in a de facto marriage was 39 years.

Education Cowes % Cowes Victoria % Victoria Australia % Australia
Pre-school 57 6.1 89,819 5.6 332,844 5.1
Primary - Government 235 25.2 271,996 16.8 1,181,787 18.2
Primary - Catholic 4 0.4 93,173 5.8 359,062 5.5
Primary - Other Non Government 15 1.6 45,848 2.8 214,359 3.3
Secondary - Government 91 9.8 193,776 12.0 774,074 11.9
Secondary - Catholic 6 0.6 82,226 5.1 307,142 4.7
Secondary - Other Non Government 103 11.1 69,464 4.3 254,828 3.9
Technical or further education institution 66 7.1 117,953 7.3 473,606 7.3
University or tertiary institution 38 4.1 246,550 15.2 932,524 14.3
Other 35 3.8 50,269 3.1 161,660 2.5
Not Stated 282 30.3 356,483 22.0 1,511,694 23.2
Total 932 -- 1,617,557 -- 6,503,580 --

In Cowes 23.0% of people were attending an educational institution. Of these, 27.1% were in primary school, 21.5% in secondary school and 11.2% in a tertiary or technical institution.

Cultural & language diversity

Ancestry, top responses Cowes % Cowes Victoria % Victoria Australia % Australia
English 1,730 32.1 1,614,911 23.5 7,238,533 25.9
Australian 1,482 27.5 1,606,233 23.3 7,098,486 25.4
Irish 521 9.7 522,025 7.6 2,087,758 7.5
Scottish 451 8.4 436,976 6.4 1,792,622 6.4
Italian 160 3.0 327,954 4.8 916,121 3.3

The most common ancestries in Cowes were English 32.1%, Australian 27.5%, Irish 9.7%, Scottish 8.4% and Italian 3.0%.

Country of birth Cowes % Cowes Victoria % Victoria Australia % Australia
Australia 3,062 75.6 3,670,933 68.6 15,017,847 69.8
Other top responses:  null  null  null  null  null  null
England 279 6.9 172,070 3.2 911,593 4.2
New Zealand 81 2.0 80,237 1.5 483,398 2.2
Italy 40 1.0 76,908 1.4 185,402 0.9
Scotland 37 0.9 29,804 0.6 133,432 0.6
Netherlands 30 0.7 21,635 0.4 76,046 0.4

In Cowes, 75.6% of people were born in Australia. The most common countries of birth were England 6.9%, New Zealand 2.0%, Italy 1.0%, Scotland 0.9% and Netherlands 0.7%.

Birthplace of parents, stated responses Cowes % Cowes Victoria % Victoria Australia % Australia
Both parents born overseas 944 24.9 1,911,658 38.1 6,876,586 34.3
Father only born overseas 289 7.6 343,515 6.9 1,407,270 7.0
Mother only born overseas 186 4.9 230,297 4.6 989,220 4.9
Both parents born in Australia 2,365 62.5 2,528,189 50.4 10,757,087 53.7

In Cowes, 62.5% of people had both parents born in Australia and 24.9% of people had both parents born overseas.

Religious affiliation, top responses Cowes % Cowes Victoria % Victoria Australia % Australia
No Religion 1,145 28.3 1,283,881 24.0 4,796,787 22.3
Catholic 847 20.9 1,428,758 26.7 5,439,268 25.3
Anglican 784 19.3 656,706 12.3 3,679,907 17.1
Uniting Church 252 6.2 250,938 4.7 1,065,795 5.0
Presbyterian and Reformed 162 4.0 142,217 2.7 599,515 2.8

The most common responses for religion in Cowes were No Religion 28.3%, Catholic 20.9%, Anglican 19.3%, Uniting Church 6.2% and Presbyterian and Reformed 4.0%.

Language, top responses (other than English) Cowes % Cowes Victoria % Victoria Australia % Australia
Italian 44 1.1 124,856 2.3 299,834 1.4
German 21 0.5 20,083 0.4 80,371 0.4
Greek 16 0.4 116,802 2.2 252,217 1.2
Cantonese 15 0.4 72,903 1.4 263,673 1.2
Japanese 14 0.3 8,551 0.2 43,691 0.2
 null  null  null  null  null  null  null
English only spoken at home 3,618 89.3 3,874,861 72.4 16,509,291 76.8
Households where two or more languages are spoken 135 8.0 500,123 25.7 1,579,949 20.4

In Cowes 89.3% of people only spoke English at home. Other languages spoken at home included Italian 1.1%, German 0.5%, Greek 0.4%, Cantonese 0.4% and Japanese 0.3%.

Employment

Employment
People who reported being in the labour force, aged 15 years and over
Cowes % Cowes Victoria % Victoria Australia % Australia
Worked full-time 828 51.8 1,583,266 59.2 6,367,554 59.7
Worked part-time 571 35.7 791,836 29.6 3,062,976 28.7
Away from work 102 6.4 155,530 5.8 627,797 5.9
Unemployed 99 6.2 144,844 5.4 600,133 5.6
Total in labour force 1,600 -- 2,675,476 -- 10,658,460 --

There were 1,600 people who reported being in the labour force in the week before Census night in Cowes. Of these 51.8% were employed full time, 35.7% were employed part-time and 6.2% were unemployed.

View the labour force fact sheet
Employment - hours worked
Labour force, people aged 15 years and over
Cowes % Cowes Victoria % Victoria Australia % Australia
1-15 hours per week 218 14.6 289,746 11.4 1,087,799 10.8
16-24 hours per week 151 10.1 245,456 9.7 947,792 9.4
25-34 hours per week 200 13.4 256,634 10.1 1,027,380 10.2
35-39 hours per week 185 12.4 445,919 17.6 1,808,879 18.0
40 hours or more per week 641 42.8 1,137,351 44.9 4,558,678 45.3

Of employed people in Cowes, 14.6% worked 1 to 15 hours, 10.1% worked 16 to 24 hours and 42.8% worked 40 hours or more.

Median age by employment status
Labour force, people aged 15 years and over
Cowes % Cowes Victoria % Victoria Australia % Australia
Employed full-time 42 -- 40 -- 40 --
Employed part-time 47 -- 40 -- 40 --

The median age of people employed full-time in Cowes was 42 years and for people who were employed part-time was 47 years.

Occupation
Employed people aged 15 years and over
Cowes % Cowes Victoria % Victoria Australia % Australia
Technicians and Trades Workers 308 20.6 350,758 13.9 1,425,146 14.2
Labourers 200 13.4 227,185 9.0 947,608 9.4
Managers 195 13.0 332,929 13.2 1,293,970 12.9
Professionals 194 13.0 564,781 22.3 2,145,442 21.3
Sales Workers 185 12.4 245,334 9.7 942,140 9.4
Community and Personal Service Workers 165 11.0 234,381 9.3 971,897 9.7
Clerical and Administrative Workers 146 9.8 364,498 14.4 1,483,558 14.7
Machinery Operators And Drivers 72 4.8 154,543 6.1 659,551 6.6

The most common occupations in Cowes included Technicians and Trades Workers 20.6%, Labourers 13.4%, Managers 13.0%, Professionals 13.0%, Sales Workers 12.4%, Community and Personal Service Workers 11.0%, Clerical and Administrative Workers 9.8% and Machinery Operators And Drivers 4.8%.

Industry of employment, top responses
Employed people aged 15 years and over
Cowes % Cowes Victoria % Victoria Australia % Australia
Accommodation 110 7.3 23,124 0.9 120,813 1.2
Cafes, Restaurants and Takeaway Food Services 105 7.0 106,394 4.2 412,804 4.1
Supermarket and Grocery Stores 55 3.7 59,698 2.4 235,773 2.3
Residential Building Construction 50 3.3 47,623 1.9 171,395 1.7
Building Completion Services 48 3.2 35,769 1.4 131,844 1.3

Of the employed people in Cowes, the most common responses for industry of employment included Accommodation 7.3%, Cafes, Restaurants and Takeaway Food Services 7.0%, Supermarket and Grocery Stores 3.7%, Residential Building Construction 3.3% and Building Completion Services 3.2%.

Median weekly incomes
People aged 15 years and over
Cowes % Cowes Victoria % Victoria Australia % Australia
Personal 445 -- 561 -- 577 --
Family 961 -- 1,460 -- 1,481 --
Household 735 -- 1,216 -- 1,234 --

The median weekly personal income for people aged 15 years and over in Cowes was $445.

View the income fact sheet
Travel to work, top responses
Employed people aged 15 years and over
Cowes % Cowes Victoria % Victoria Australia % Australia
Car, as driver 907 60.6 1,554,490 61.4 6,059,972 60.2
Walked only 107 7.2 83,524 3.3 377,043 3.7
Car, as passenger 74 4.9 116,098 4.6 537,638 5.3
Bicycle 25 1.7 30,912 1.2 103,914 1.0
Truck 13 0.9 20,121 0.8 104,746 1.0
 null  null  null  null  null  null  null
People who travelled to work by public transport 14 0.9 281,130 11.1 1,046,721 10.4
People who travelled to work by car as driver or passenger 978 65.3 1,675,663 66.2 6,620,840 65.8

In Cowes, on the day of the Census, the most common methods of travel to work for employed people included Car, as driver 60.6%, Walked only 7.2%, Car, as passenger 4.9%, Bicycle 1.7% and Truck 0.9%. On the day, 0.9% of employed people used public transport (train, bus, ferry, tram/light rail) as at least one of their methods of travel to work and 65.3% used car (either as driver or as passenger).

Unpaid work
People aged 15 years and over
Cowes % Cowes Victoria % Victoria Australia % Australia
Did unpaid domestic work (last week) 2,345 68.0 3,017,919 69.3 12,149,347 70.0
Cared for child/children (last two weeks) 808 23.4 1,187,433 27.3 4,827,808 27.8
Provided unpaid assistance to a person with a disability (last two weeks) 435 12.6 490,097 11.3 1,896,957 10.9
Did voluntary work through an organisation or group (last 12 months) 767 22.2 772,444 17.7 3,090,874 17.8

In Cowes, of people aged 15 years and over, 68.0% did unpaid domestic work in the week before the Census. During the two weeks before the Census, 23.4% provided care for children and 12.6% assisted family members or others due to a disability, long term illness or problems related to old age. In the year before the Census, 22.2% of people did voluntary work through an organisation or a group.

Unpaid domestic work, number of hours
People aged 15 years and over
Cowes % Cowes Victoria % Victoria Australia % Australia
Less than 5 hours per week 621 18.0 1,007,118 23.1 3,883,357 22.4
5 to 14 hours per week 864 25.0 1,085,136 24.9 4,444,640 25.6
15 to 29 hours per week 475 13.8 501,575 11.5 2,075,154 12.0
30 hours or more per week 386 11.2 424,094 9.7 1,746,196 10.1

Of people who did unpaid domestic work in the week before the Census in Cowes, 25.0% worked 5 to 14 hours, 13.8% worked 15 to 29 hours and 11.2% worked 30 hours or more.

Families

family composition | weekly incomes | employment status of couple families

Family composition

Family composition Cowes % Cowes Victoria % Victoria Australia % Australia
Couple family without children 535 52.2 518,535 36.7 2,150,301 37.8
Couple family with children 321 31.3 651,071 46.0 2,534,399 44.6
One parent family 159 15.5 218,930 15.5 901,637 15.9
Other family 10 1.0 26,027 1.8 97,722 1.7

Of the families in Cowes, 31.3% were couple families with children, 52.2% were couple families without children and 15.5% were one parent families.

Single (or lone) parents
Proportion of the total single (or lone) parent population
Cowes % Cowes Victoria % Victoria Australia % Australia
Male -- 19.0 -- 17.2 -- 17.6
Female -- 81.0 -- 82.8 -- 82.4

In Cowes 19.0% of single parents were male and 81.0% were female.

Weekly incomes

Median family income, couple families with two incomes Cowes % Cowes Victoria % Victoria Australia % Australia
Families without children 1,532 -- 2,046 -- 2,081 --
Families with children 1,772 -- 2,242 -- 2,310 --

In Cowes, for couple families with two incomes, the median income for those with children was $1,772 and those without children was $1,532.

View the income fact sheet

Employment status of couple families

Employment status of couple families
Labour force, parents or partners aged 15 years and over
Cowes % Cowes Victoria % Victoria Australia % Australia
Both employed, worked full-time 127 14.9 245,136 21.0 1,015,165 21.7
Both employed, worked part-time 42 4.9 44,125 3.8 174,795 3.7
One employed full-time, one part-time 143 16.7 262,686 22.5 1,001,907 21.4
One employed full-time, other not working 98 11.5 191,291 16.4 736,322 15.7
One employed part-time, other not working 64 7.5 64,087 5.5 251,191 5.4
Both not working 297 34.7 222,472 19.0 899,598 19.2
Other 37 4.3 71,967 6.2 291,196 6.2
Labour force status not stated 47 5.5 67,841 5.8 314,529 6.7

In Cowes, of couple families with children, 14.9% had both partners employed full-time, 4.9% had both employed part-time and 16.7% had one employed full-time and the other part-time.

Dwellings

dwelling structure | household composition | mortgage & rent | number of motor vehicles

Dwelling structure

Dwelling tables exclude visitor only and other non-classifiable households

Dwelling type Cowes % Cowes Victoria % Victoria Australia % Australia
Occupied private dwellings 1,676 38.3 1,944,690 88.7 7,760,320 89.3
Unoccupied private dwellings 2,700 61.7 246,742 11.3 934,470 10.7

In Cowes, 38.3% of private dwellings were occupied and 61.7% were unoccupied.

Dwelling structure
Occupied private dwellings
Cowes % Cowes Victoria % Victoria Australia % Australia
Separate house 1,434 85.5 1,495,970 76.9 5,864,574 75.6
Semi-detached, row or terrace house, townhouse etc 153 9.1 185,737 9.6 765,980 9.9
Flat, unit or apartment 71 4.2 250,493 12.9 1,056,237 13.6
Other dwelling 13 0.8 11,692 0.6 66,666 0.9

Of occupied private dwellings in Cowes, 85.5% were separate houses, 9.1% were semi-detached, row or terrace houses, townhouses etc, 4.2% were flats, units or apartments and 0.8% were other dwellings.

Number of bedrooms
Occupied private dwellings
Cowes % Cowes Victoria % Victoria Australia % Australia
None (includes bedsitters) 5 0.3 8,768 0.5 42,160 0.5
1 bedroom 79 4.7 89,807 4.6 363,129 4.7
2 bedrooms 386 23.0 370,995 19.1 1,481,577 19.1
3 bedrooms 818 48.8 917,911 47.2 3,379,930 43.6
4 or more bedrooms 341 20.4 521,664 26.8 2,350,132 30.3
Number of bedrooms not stated 46 2.7 35,543 1.8 143,394 1.8
Average number of bedrooms per dwelling 2.9 -- 3 -- 3.1 --
Average number of people per household 2.1 -- 2.6 -- 2.6 --

In Cowes, of occupied private dwellings 4.7% had 1 bedroom, 23.0% had 2 bedrooms and 48.8% had 3 bedrooms. The average number of bedrooms per occupied private dwelling was 2.9. The average household size was 2.1 people.

Tenure
Occupied private dwellings
Cowes % Cowes Victoria % Victoria Australia % Australia
Owned outright 714 42.6 665,416 34.2 2,488,149 32.1
Owned with a mortgage 354 21.1 697,533 35.9 2,709,433 34.9
Rented 528 31.5 515,586 26.5 2,297,458 29.6
Other tenure type 22 1.3 14,619 0.8 70,069 0.9
Tenure type not stated 59 3.5 51,535 2.7 195,213 2.5

Of occupied private dwellings in Cowes, 42.6% were owned outright, 21.1% were owned with a mortgage and 31.5% were rented.

Household composition

Household composition Cowes % Cowes Victoria % Victoria Australia % Australia
Family households 1,018 60.7 1,385,188 71.2 5,550,614 71.5
Single (or lone) person households 607 36.2 476,869 24.5 1,888,698 24.3
Group households 53 3.2 82,630 4.2 321,007 4.1

In Cowes, of all households, 60.7% were family households, 36.2% were single person households and 3.2% were group households.

Household income Cowes % Cowes Victoria % Victoria Australia % Australia
Less than $600 gross weekly income -- 40.7 -- 23.8 -- 23.7
More than $3,000 gross weekly income -- 2.8 -- 10.4 -- 11.2

In Cowes, 40.7% of households had a weekly household income of less than $600 and 2.8% of households had a weekly income of more than $3,000.

View the income fact sheet

Mortgage & rent

Proportions are calculated using all tenure types for occupied private dwellings. This excludes visitor only and other non-classifiable households.

Rent weekly payments Cowes % Cowes Victoria % Victoria Australia % Australia
Median rent 220 -- 277 -- 285 --
Households where rent payments are less than 30% of household income -- 86.5 -- 90.9 -- 89.6
Households where rent payments are 30%, or greater, of household income -- 13.5 -- 9.1 -- 10.4

Proportions in this table are calculated by taking the number of households whose rent payments were 30% or more of an imputed income measure and expressing this number as a proportion of the total number of households in an area, including those households which are not renting their dwelling (excluding the small proportion of visitor only and other non-classifiable households). The nature of the income imputation means that the reported proportion may significantly overstate the true proportion. Further information on the method to impute income is available in the income fact sheet.

View the income fact sheet
Mortgage monthly repayments Cowes % Cowes Victoria % Victoria Australia % Australia
Median mortgage repayments 1,450 -- 1,700 -- 1,800 --
Households where mortgage payments are less than 30% of household income -- 93.4 -- 89.9 -- 90.1
Households where mortgage payments are 30%, or greater, of household income -- 6.6 -- 10.1 -- 9.9

Proportions in this table are calculated by taking the number of households who own their dwelling, and whose mortgage payments were 30% or more of an imputed income measure and expressing this number as a proportion of the total number of households in an area, including those households which were renting their dwelling (excluding the small proportion of visitor only and other non-classifiable households). The nature of the income imputation means that the reported proportion may significantly overstate the true proportion. Further information on the method to impute income is available in the income fact sheet.

View the income fact sheet

Number of motor vehicles

Number of registered motor vehicles Cowes % Cowes Victoria % Victoria Australia % Australia
None 159 9.5 164,030 8.4 665,852 8.6
1 motor vehicle 764 45.5 673,937 34.7 2,778,576 35.8
2 motor vehicles 526 31.3 720,287 37.0 2,802,468 36.1
3 or more vehicles 157 9.4 327,268 16.8 1,279,134 16.5
Number of motor vehicles not stated 72 4.3 59,167 3.0 234,292 3.0

In Cowes, 45.5% of occupied private dwellings had one registered motor vehicle garaged or parked at their address, 31.3% had two registered motor vehicles and 9.4% had three or more registered motor vehicles.

Aboriginal and/or Torres Strait Islander people

selected people & dwelling characteristics

People characteristics

People characteristics Cowes % Cowes Victoria % Victoria Australia % Australia
Aboriginal and/or Torres Strait Islander 23 -- 37,990 -- 548,368 --
 null  null  null  null  null  null  null
Male 10 43.5 18,675 49.2 270,331 49.3
Female 13 56.5 19,315 50.8 278,037 50.7
 null  null  null  null  null  null  null
Median age 19 -- 22 -- 21 --

In Cowes, there were 23 Aboriginal and/or Torres Strait Islander people. Of these, 10 (or 43.5%) were male and 13 (or 56.5%) were female. The median age was 19 years.

Dwelling characteristics

Dwelling tables exclude visitor only and other non-classifiable households. These tables represent occupied private dwellings where at least one Aboriginal and/or Torres Strait islander person was present.

Dwelling characteristics Cowes % Cowes Victoria % Victoria Australia % Australia
Average number of people per household 2.6 -- 3 -- 3.3 --
Average number of people per bedroom 1.4 -- 1.2 -- 1.2 --
Median household income 433 -- 962 -- 991 --

Average number of people per bedroom includes a miscalculation. For more information see the persons per bedroom correction page.

In Cowes, for dwellings occupied by Aboriginal and/or Torres Strait Islander people, the average household size was 2.6, with 1.4 persons per bedroom. The median household income was $433.

Mortgage and rent Cowes % Cowes Victoria % Victoria Australia % Australia
Median weekly rent 155 -- 200 -- 195 --
Median monthly mortgage repayments 0 -- 1,500 -- 1,647 --

In Cowes, for dwellings occupied by Aboriginal and/or Torres Strait Islander people, the median weekly rent was $155 and the median monthly mortgage repayment was $0.

Some values may have been adjusted to avoid release of confidential data. This may have a significant impact on the calculated percentages.