Mortgage affordability indicator (MAID)

Latest release
Census of Population and Housing: Census dictionary
Reference period
2026

Definition

This variable measures mortgage repayments relative to household income. It groups households into whether their mortgage repayments are: 

  • 30% or less of household income 
  • more than 30% of household income 

Scope

Occupied private dwellings owned with a mortgage or purchased under a shared equity scheme. 

Categories

CodeCategory
1 Households where mortgage repayments are less than or equal to 30% of household income 
2 Households where mortgage repayments are more than 30% of household income 
3 Unable to be determined 
@ Not applicable 

Number of categories: 4 

Not applicable (@) category comprises: 

  • unoccupied private dwellings 
  • visitor only households 
  • non-private dwellings 
  • migratory, offshore and shipping SA1s 
  • other non-classifiable dwellings 
  • tenure type (TEND) - 'Owned outright', 'Rented', 'Occupied rent-free', 'Occupied under a life tenure scheme', 'Other', 'Not stated', 'Not applicable' 

See Understanding supplementary codes for more information.  

Question(s) from the Census form

What is the total of all income the person usually receives?

Is this dwelling: (please open this section to view response categories)

How much does the household pay for this dwelling?

How this variable is created

The mortgage affordability indicator is calculated by dividing mortgage repayments (MRED) by an imputed household income, with both values expressed as single dollar amounts. This calculation classifies households into two groups: 

  • less than or equal to 30% of household income, or 
  • more than 30% of household income 

Household income is described as imputed because the Census collects income in ranges, rather than exact amounts. To create a household income value, a specific dollar amount is assigned to each person using the Person Level Integrated Data Asset (PLIDA). Further information is available in the total household weekly income (HIND) variable page.  

Mortgage repayments are collected directly as an exact monthly dollar amount. 

The mortgage affordability indicator is coded as ‘Unable to be determined’ when any of the following apply: 

  • MRED is not stated 
  • at least one household member aged 15 years or over was either not at home on Census night or did not state their total personal income (INCP) 
  • no household members aged 15 years or over who were at home on Census night stated their INCP

History and changes

This variable was first introduced in the 2021 Census.  

In 2026, the calculation of the imputed household income used PLIDA as the source of median values of a person’s income range. Previously, these were based on the Survey of Income and Housing. 

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