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HOME OWNERSHIPS AND RENTING
Of the 7.6 million households in Australia in 2002-03, 69% were living in their own home, and 27% were renting their dwelling from a private landlord or a state or territory housing authority (table 8.4).In 2002-03, 36% of households owned their homes outright. In addition, 33% of households were paying off a mortgage or loan secured against their dwelling.
Of the nearly 2.2 million households renting their dwellings, 78% were renting from a private landlord (although some of the renters were receiving Commonwealth Rent Assistance (CRA)), 17% were renting from a state or territory housing authority and the remaining 5% from other landlords such as the owner/manager of a caravan park, an employer (including a government authority) or a community or church group.
8.4 ALL HOUSEHOLDS, By dwelling structure and tenure and landlord type - 2002-03
|
 | | Separate
house | Semi-detached/row
or terrace house/townhouse | Flat/unit/apartment | All
households(a) |
| Tenure and landlord type | ’000 | ’000 | ’000 | ’000 |
|
| Owner without a mortgage | 2,450.2 | 181.3 | 124.3 | 2,780.4 |
| Owner with a mortgage | 2,260.1 | 151.3 | 107.2 | 2,525.0 |
| Renter | | | | |
| State/territory housing authority | 173.5 | 120.9 | 78.4 | 372.8 |
| Private landlord | 875.9 | 285.1 | 512.6 | 1,680.2 |
| Total(b) | 1,097.3 | 426.8 | 611.4 | 2,153.2 |
| Other tenure(c) | 129.5 | 19.6 | 29.9 | 179.6 |
| Total | 5,937.1 | 778.9 | 872.7 | 7,638.2 |
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(a) Includes other dwelling structures.
(b) Includes other landlord types.
(c) Includes rent free and life tenure.
Source: ABS data available on request, Survey of Income and Housing, 2002-03. |
Almost 89% of owners lived in separate houses in 2002-03. Of renter households, 51% lived in separate houses and 28% lived in flats, units or apartments.
Over a third of households (37%) owning their own home outright were couples with no children. One-parent households accounted for 8% of outright owners, and lone-person households made up 28% (table 8.5).
For couple households with dependent children only, the majority (79%) were owners, while 20% were renting. Of one-parent families, 48% were home owners, 35% were renting from a private landlord and 13% were renting from a state or territory housing authority.
8.5 ALL HOUSEHOLDS, By tenure and landlord type and household composition - 2002-03
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| | Owner | Renter | | |
| |
|
| | |
| | Without a mortgage | With a mortgage | State/territory housing authority | Private
landlord | Total(a) | Other
tenure(b) | All
households |
| | ’000 | ’000 | ’000 | ’000 | ’000 | ’000 | ’000 |
|
| Couple, one family | | | | | | | |
| Couple only | 1,033.8 | 531.8 | 28.6 | 303.9 | 348.8 | 28.8 | 1,943.2 |
| Couple with dependent children only | 321.4 | 1,044.5 | 28.9 | 294.7 | 338.0 | 25.5 | 1,729.4 |
| Couple - other(c) | 376.4 | 350.1 | 20.8 | 73.0 | 96.3 | *3.5 | 826.2 |
| Total | 1,731.6 | 1,926.4 | 78.3 | 671.6 | 783.1 | 57.7 | 4,498.8 |
| One parent, one family(d) | 222.0 | 196.3 | 113.6 | 302.7 | 429.7 | 23.3 | 871.3 |
| Lone person | 768.6 | 315.6 | 173.8 | 536.4 | 758.0 | 85.0 | 1,927.3 |
| Other | 58.2 | 86.7 | *7.2 | 169.5 | 182.4 | *13.7 | 340.9 |
| Total | 2,780.4 | 2,525.0 | 372.8 | 1,680.2 | 2,153.2 | 179.6 | 7,638.2 |
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(a) Includes other landlord types.
(b) Includes rent free and life tenure.
(c) Includes couples with non-dependent children and may include other family members.
(d) Includes one-parent families with dependants or non-dependent children and may include other family members.
Source: ABS data available on request, Survey of Income and Housing, 2002-03. |
Tenure patterns vary across states and territories. Victoria and Tasmania had a high proportion of overall home ownership, each having 74% of dwellings either owned outright or owned with a mortgage (table 8.6). The lowest proportion of overall home ownership (56%) was in the Northern Territory. The Australian Capital Territory, Northern Territory and Western Australia had the highest proportion of households with a mortgage on their home (41%, 40% and 37% respectively).
The Northern Territory had the highest proportion of renters at 43%. This was considerably higher than the national rate of 28%. The proportion of households renting from private landlords ranged from 16% in South Australia to 28% in the Northern Territory.
The differences in tenure partly reflect differences in the age and life cycle and family structures across states and territories (see Housing and life cycle).
8.6 ALL HOUSEHOLDS, By tenure and landlord type and state/territory - 2002-03
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| Owner | Renter | | | |
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| | | |
| Without a mortgage | With a mortgage | State/territory housing authority | Private
landlord | Total(a) | Other
tenure(b) | Total | All
households |
| % | % | % | % | % | % | % | ’000 |
|
| New South Wales | 37.5 | 29.8 | 5.5 | 23.4 | 29.7 | 3.1 | 100.0 | 2,537.7 |
| Victoria | 39.6 | 34.4 | 3.5 | 19.9 | 24.5 | 1.5 | 100.0 | 1,883.3 |
| Queensland | 32.7 | 33.2 | 3.6 | 26.5 | 32.0 | 2.2 | 100.0 | 1,471.6 |
| South Australia | 35.9 | 35.1 | 8.2 | 15.5 | 26.3 | 2.7 | 100.0 | 612.9 |
| Western Australia | 34.1 | 37.1 | 4.7 | 20.1 | 26.4 | 2.5 | 100.0 | 763.9 |
| Tasmania | 41.1 | 32.9 | 6.3 | 16.3 | 23.8 | 2.3 | 100.0 | 192.7 |
| Northern Territory(c) | 16.0 | 39.8 | *9.6 | 28.2 | 43.3 | **1.0 | 100.0 | 53.2 |
| Australian Capital Territory | 28.2 | 40.8 | 9.2 | 20.4 | 29.6 | *1.4 | 100.0 | 122.9 |
| Australia | 36.4 | 33.1 | 4.9 | 22.0 | 28.2 | 2.4 | 100.0 | 7,638.2 |
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(a) Includes other landlord type.
(b) Includes rent free and life tenure.
(c) Excludes remote and sparsely settled areas.
Source: ABS data available on request, Survey of Income and Housing, 2002-03. |
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