Spencer

2011 Census All persons QuickStats
Geography type State Suburbs
Area code SSC12124
People 515
Male 267
Female 248
Median age 46
Families 106
Average children per family 1.8
All private dwellings 379
Average people per household 2.1
Median weekly household income $734
Median monthly mortgage repayments $1,400
Median weekly rent $150
Average motor vehicles per dwelling 1.6

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People

demographics & education | cultural & language diversity | employment

Demographics & education

People Spencer % Spencer New South Wales % New South Wales Australia % Australia
Total 515 -- 6,917,658 -- 21,507,717 --
Male 267 51.8 3,408,878 49.3 10,634,013 49.4
Female 248 48.2 3,508,780 50.7 10,873,704 50.6
 null  null  null  null  null  null  null
Aboriginal and/or Torres Strait Islander people 11 2.1 172,621 2.5 548,369 2.5

In the 2011 Census, there were 515 people in Spencer of these 51.8% were male and 48.2% were female. Aboriginal and/or Torres Strait Islander people made up 2.1% of the population.

Age
People
Spencer % Spencer New South Wales % New South Wales Australia % Australia
0-4 years 25 4.8 458,736 6.6 1,421,050 6.6
5-9 years 28 5.4 434,608 6.3 1,351,921 6.3
10-14 years 36 7.0 439,168 6.3 1,371,054 6.4
15-19 years 21 4.1 443,416 6.4 1,405,798 6.5
20-24 years 24 4.7 449,685 6.5 1,460,673 6.8
25-29 years 18 3.5 473,160 6.8 1,513,236 7.0
30-34 years 21 4.1 468,336 6.8 1,453,775 6.8
35-39 years 38 7.4 488,124 7.1 1,520,138 7.1
40-44 years 44 8.5 483,502 7.0 1,542,879 7.2
45-49 years 41 7.9 481,428 7.0 1,504,142 7.0
50-54 years 52 10.1 469,024 6.8 1,447,404 6.7
55-59 years 51 9.9 419,612 6.1 1,297,244 6.0
60-64 years 35 6.8 390,678 5.6 1,206,116 5.6
65-69 years 33 6.4 304,327 4.4 919,319 4.3
70-74 years 15 2.9 237,362 3.4 708,090 3.3
75-79 years 18 3.5 186,032 2.7 545,263 2.5
80-84 years 8 1.6 150,724 2.2 436,936 2.0
85 years and over 8 1.6 139,735 2.0 402,681 1.9
Median age 46 -- 38 -- 37 --

The median age of people in Spencer was 46 years. Children aged 0 - 14 years made up 17.2% of the population and people aged 65 years and over made up 15.9% of the population.

Registered marital status
People aged 15 years and over
Spencer % Spencer New South Wales % New South Wales Australia % Australia
Married 142 33.3 2,758,854 49.4 8,461,114 48.7
Separated 29 6.8 170,428 3.1 529,280 3.0
Divorced 66 15.5 461,145 8.3 1,460,899 8.4
Widowed 28 6.6 324,518 5.8 949,634 5.5
Never married 161 37.8 1,870,203 33.5 5,962,769 34.3

Of people in Spencer aged 15 years and over, 33.3% were married and 22.5% were either divorced or separated.

Median age by registered marital status
People aged 15 years and over
Spencer % Spencer New South Wales % New South Wales Australia % Australia
Married 52 -- 50 -- 50 --
Separated 51 -- 49 -- 49 --
Divorced 62 -- 54 -- 54 --
Widowed 72 -- 78 -- 78 --
Never married 37 -- 26 -- 25 --

The median age of married people in Spencer was 52 years and the median age of people never married was 37 years.

Social marital status
People aged 15 years and over
Spencer % Spencer New South Wales % New South Wales Australia % Australia
Registered marriage 112 33.6 2,514,378 50.0 7,647,042 49.2
De facto marriage 50 15.0 418,721 8.3 1,476,369 9.5
Not married 171 51.4 2,096,245 41.7 6,413,399 41.3

In Spencer, of people aged 15 years and over, 33.6% of people were in a registered marriage and 15.0% were in a de facto marriage.

Median age by social marital status
People aged 15 years and over
Spencer % Spencer New South Wales % New South Wales Australia % Australia
Registered marriage 51 -- 50 -- 50 --
De facto marriage 46 -- 36 -- 35 --
Not married 50 -- 34 -- 33 --

The median age of people in a registered marriage in Spencer was 51 years and the median age of people in a de facto marriage was 46 years.

Education Spencer % Spencer New South Wales % New South Wales Australia % Australia
Pre-school 7 4.2 126,605 5.9 332,844 5.1
Primary - Government 33 19.8 372,075 17.4 1,181,787 18.2
Primary - Catholic 0 0.0 115,727 5.4 359,062 5.5
Primary - Other Non Government 0 0.0 61,544 2.9 214,359 3.3
Secondary - Government 16 9.6 271,181 12.7 774,074 11.9
Secondary - Catholic 6 3.6 109,409 5.1 307,142 4.7
Secondary - Other Non Government 3 1.8 71,341 3.3 254,828 3.9
Technical or further education institution 11 6.6 168,004 7.9 473,606 7.3
University or tertiary institution 3 1.8 303,070 14.2 932,524 14.3
Other 0 0.0 50,619 2.4 161,660 2.5
Not Stated 88 52.7 486,539 22.8 1,511,694 23.2
Total 167 -- 2,136,114 -- 6,503,580 --

In Spencer 32.6% of people were attending an educational institution. Of these, 19.8% were in primary school, 14.4% in secondary school and 9.0% in a tertiary or technical institution.

Cultural & language diversity

Ancestry, top responses Spencer % Spencer New South Wales % New South Wales Australia % Australia
Australian 192 28.5 2,217,158 25.0 7,098,486 25.4
English 185 27.5 2,151,788 24.2 7,238,533 25.9
Irish 69 10.3 661,208 7.4 2,087,758 7.5
Scottish 55 8.2 528,510 6.0 1,792,622 6.4
Dutch 11 1.6 77,436 0.9 335,493 1.2

The most common ancestries in Spencer were Australian 28.5%, English 27.5%, Irish 10.3%, Scottish 8.2% and Dutch 1.6%.

Country of birth Spencer % Spencer New South Wales % New South Wales Australia % Australia
Australia 366 71.2 4,747,372 68.6 15,017,847 69.8
Other top responses:  null  null  null  null  null  null
England 25 4.9 227,524 3.3 911,593 4.2
New Zealand 21 4.1 114,232 1.7 483,398 2.2
Canada 5 1.0 11,947 0.2 38,871 0.2
Argentina 4 0.8 5,737 0.1 11,985 0.1
Hungary 4 0.8 7,078 0.1 19,091 0.1

In Spencer, 71.2% of people were born in Australia. The most common countries of birth were England 4.9%, New Zealand 4.1%, Canada 1.0%, Argentina 0.8% and Hungary 0.8%.

Birthplace of parents, stated responses Spencer % Spencer New South Wales % New South Wales Australia % Australia
Both parents born overseas 89 20.6 2,363,793 36.7 6,876,586 34.3
Father only born overseas 34 7.9 433,840 6.7 1,407,270 7.0
Mother only born overseas 21 4.8 294,595 4.6 989,220 4.9
Both parents born in Australia 289 66.7 3,342,215 51.9 10,757,087 53.7

In Spencer, 66.7% of people had both parents born in Australia and 20.6% of people had both parents born overseas.

Religious affiliation, top responses Spencer % Spencer New South Wales % New South Wales Australia % Australia
No Religion 144 27.9 1,240,531 17.9 4,796,787 22.3
Anglican 114 22.1 1,378,386 19.9 3,679,907 17.1
Catholic 95 18.4 1,902,393 27.5 5,439,268 25.3
Presbyterian and Reformed 20 3.9 211,979 3.1 599,515 2.8
Uniting Church 14 2.7 271,090 3.9 1,065,795 5.0

The most common responses for religion in Spencer were No Religion 27.9%, Anglican 22.1%, Catholic 18.4%, Presbyterian and Reformed 3.9% and Uniting Church 2.7%.

Language, top responses (other than English) Spencer % Spencer New South Wales % New South Wales Australia % Australia
Greek 4 0.8 86,602 1.3 252,217 1.2
Spanish 4 0.8 55,624 0.8 117,498 0.5
Macedonian 4 0.8 29,453 0.4 68,849 0.3
German 3 0.6 23,429 0.3 80,371 0.4
Czech 3 0.6 3,002 0.0 7,264 0.0
 null  null  null  null  null  null  null
English only spoken at home 426 82.7 5,013,343 72.5 16,509,291 76.8
Households where two or more languages are spoken 6 3.1 604,562 24.5 1,579,949 20.4

In Spencer 82.7% of people only spoke English at home. Other languages spoken at home included Greek 0.8%, Spanish 0.8%, Macedonian 0.8%, German 0.6% and Czech 0.6%.

Employment

Employment
People who reported being in the labour force, aged 15 years and over
Spencer % Spencer New South Wales % New South Wales Australia % Australia
Worked full-time 126 57.8 2,007,924 60.2 6,367,554 59.7
Worked part-time 60 27.5 939,465 28.2 3,062,976 28.7
Away from work 24 11.0 190,944 5.7 627,797 5.9
Unemployed 8 3.7 196,525 5.9 600,133 5.6
Total in labour force 218 -- 3,334,858 -- 10,658,460 --

There were 218 people who reported being in the labour force in the week before Census night in Spencer. Of these 57.8% were employed full time, 27.5% were employed part-time and 3.7% were unemployed.

View the labour force fact sheet
Employment - hours worked
Labour force, people aged 15 years and over
Spencer % Spencer New South Wales % New South Wales Australia % Australia
1-15 hours per week 18 8.8 326,514 10.4 1,087,799 10.8
16-24 hours per week 24 11.7 304,830 9.7 947,792 9.4
25-34 hours per week 19 9.3 308,122 9.8 1,027,380 10.2
35-39 hours per week 32 15.6 569,665 18.2 1,808,879 18.0
40 hours or more per week 94 45.9 1,438,260 45.8 4,558,678 45.3

Of employed people in Spencer, 8.8% worked 1 to 15 hours, 11.7% worked 16 to 24 hours and 45.9% worked 40 hours or more.

Median age by employment status
Labour force, people aged 15 years and over
Spencer % Spencer New South Wales % New South Wales Australia % Australia
Employed full-time 44 -- 41 -- 40 --
Employed part-time 50 -- 40 -- 40 --

The median age of people employed full-time in Spencer was 44 years and for people who were employed part-time was 50 years.

Occupation
Employed people aged 15 years and over
Spencer % Spencer New South Wales % New South Wales Australia % Australia
Managers 37 18.0 418,333 13.3 1,293,970 12.9
Labourers 36 17.6 273,129 8.7 947,608 9.4
Technicians and Trades Workers 34 16.6 414,668 13.2 1,425,146 14.2
Clerical and Administrative Workers 29 14.1 473,141 15.1 1,483,558 14.7
Professionals 28 13.7 713,548 22.7 2,145,442 21.3
Community and Personal Service Workers 17 8.3 297,667 9.5 971,897 9.7
Machinery Operators And Drivers 10 4.9 199,438 6.4 659,551 6.6
Sales Workers 7 3.4 290,496 9.3 942,140 9.4

The most common occupations in Spencer included Managers 18.0%, Labourers 17.6%, Technicians and Trades Workers 16.6%, Clerical and Administrative Workers 14.1%, Professionals 13.7%, Community and Personal Service Workers 8.3%, Machinery Operators And Drivers 4.9% and Sales Workers 3.4%.

Industry of employment, top responses
Employed people aged 15 years and over
Spencer % Spencer New South Wales % New South Wales Australia % Australia
Horse and Dog Racing Activities 11 5.4 2,491 0.1 8,952 0.1
Building Cleaning, Pest Control and Gardening Services 9 4.4 43,681 1.4 142,745 1.4
Adult, Community and Other Education 8 3.9 27,904 0.9 83,717 0.8
Land Development and Site Preparation Services 7 3.4 10,102 0.3 39,857 0.4
Building Installation Services 7 3.4 51,688 1.6 177,159 1.8

Of the employed people in Spencer, the most common responses for industry of employment included Horse and Dog Racing Activities 5.4%, Building Cleaning, Pest Control and Gardening Services 4.4%, Adult, Community and Other Education 3.9%, Land Development and Site Preparation Services 3.4% and Building Installation Services 3.4%.

Median weekly incomes
People aged 15 years and over
Spencer % Spencer New South Wales % New South Wales Australia % Australia
Personal 440 -- 561 -- 577 --
Family 1,062 -- 1,477 -- 1,481 --
Household 734 -- 1,237 -- 1,234 --

The median weekly personal income for people aged 15 years and over in Spencer was $440.

View the income fact sheet
Travel to work, top responses
Employed people aged 15 years and over
Spencer % Spencer New South Wales % New South Wales Australia % Australia
Car, as driver 126 61.5 1,807,358 57.6 6,059,972 60.2
Walked only 18 8.8 128,339 4.1 377,043 3.7
Car, as passenger 4 2.0 157,359 5.0 537,638 5.3
Truck 3 1.5 38,584 1.2 104,746 1.0
Motorbike/scooter 3 1.5 19,629 0.6 64,342 0.6
 null  null  null  null  null  null  null
People who travelled to work by public transport 4 2.0 433,016 13.8 1,046,721 10.4
People who travelled to work by car as driver or passenger 128 62.1 1,971,702 62.8 6,620,840 65.8

In Spencer, on the day of the Census, the most common methods of travel to work for employed people included Car, as driver 61.5%, Walked only 8.8%, Car, as passenger 2.0%, Truck 1.5% and Motorbike/scooter 1.5%. On the day, 2.0% of employed people used public transport (train, bus, ferry, tram/light rail) as at least one of their methods of travel to work and 62.1% used car (either as driver or as passenger).

Unpaid work
People aged 15 years and over
Spencer % Spencer New South Wales % New South Wales Australia % Australia
Did unpaid domestic work (last week) 289 68.0 3,839,135 68.7 12,149,347 70.0
Cared for child/children (last two weeks) 84 19.8 1,537,775 27.5 4,827,808 27.8
Provided unpaid assistance to a person with a disability (last two weeks) 58 13.6 638,615 11.4 1,896,957 10.9
Did voluntary work through an organisation or group (last 12 months) 84 19.7 942,085 16.9 3,090,874 17.8

In Spencer, 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, 19.8% provided care for children and 13.6% assisted family members or others due to a disability, long term illness or problems related to old age. In the year before the Census, 19.7% of people did voluntary work through an organisation or a group.

Unpaid domestic work, number of hours
People aged 15 years and over
Spencer % Spencer New South Wales % New South Wales Australia % Australia
Less than 5 hours per week 64 15.1 1,226,912 22.0 3,883,357 22.4
5 to 14 hours per week 110 25.9 1,391,598 24.9 4,444,640 25.6
15 to 29 hours per week 63 14.8 660,872 11.8 2,075,154 12.0
30 hours or more per week 50 11.8 559,753 10.0 1,746,196 10.1

Of people who did unpaid domestic work in the week before the Census in Spencer, 25.9% worked 5 to 14 hours, 14.8% worked 15 to 29 hours and 11.8% worked 30 hours or more.

Families

family composition | weekly incomes | employment status of couple families

Family composition

Family composition Spencer % Spencer New South Wales % New South Wales Australia % Australia
Couple family without children 49 45.8 669,019 36.6 2,150,301 37.8
Couple family with children 36 33.6 831,850 45.5 2,534,399 44.6
One parent family 22 20.6 297,904 16.3 901,637 15.9
Other family 0 0.0 30,780 1.7 97,722 1.7

Of the families in Spencer, 33.6% were couple families with children, 45.8% were couple families without children and 20.6% were one parent families.

Single (or lone) parents
Proportion of the total single (or lone) parent population
Spencer % Spencer New South Wales % New South Wales Australia % Australia
Male -- 31.8 -- 17.0 -- 17.6
Female -- 68.2 -- 83.0 -- 82.4

In Spencer 31.8% of single parents were male and 68.2% were female.

Weekly incomes

Median family income, couple families with two incomes Spencer % Spencer New South Wales % New South Wales Australia % Australia
Families without children 2,062 -- 2,120 -- 2,081 --
Families with children 1,375 -- 2,370 -- 2,310 --

In Spencer, for couple families with two incomes, the median income for those with children was $1,375 and those without children was $2,062.

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
Spencer % Spencer New South Wales % New South Wales Australia % Australia
Both employed, worked full-time 13 15.5 327,626 21.8 1,015,165 21.7
Both employed, worked part-time 6 7.1 54,280 3.6 174,795 3.7
One employed full-time, one part-time 12 14.3 306,829 20.4 1,001,907 21.4
One employed full-time, other not working 15 17.9 239,315 15.9 736,322 15.7
One employed part-time, other not working 10 11.9 83,287 5.5 251,191 5.4
Both not working 16 19.0 308,233 20.5 899,598 19.2
Other 6 7.1 89,812 6.0 291,196 6.2
Labour force status not stated 6 7.1 91,486 6.1 314,529 6.7

In Spencer, of couple families with children, 15.5% had both partners employed full-time, 7.1% had both employed part-time and 14.3% 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 Spencer % Spencer New South Wales % New South Wales Australia % Australia
Occupied private dwellings 195 56.7 2,471,299 90.3 7,760,320 89.3
Unoccupied private dwellings 149 43.3 265,338 9.7 934,470 10.7

In Spencer, 56.7% of private dwellings were occupied and 43.3% were unoccupied.

Dwelling structure
Occupied private dwellings
Spencer % Spencer New South Wales % New South Wales Australia % Australia
Separate house 184 94.4 1,717,699 69.5 5,864,574 75.6
Semi-detached, row or terrace house, townhouse etc 3 1.5 263,926 10.7 765,980 9.9
Flat, unit or apartment 0 0.0 465,189 18.8 1,056,237 13.6
Other dwelling 8 4.1 21,140 0.9 66,666 0.9

Of occupied private dwellings in Spencer, 94.4% were separate houses, 1.5% were semi-detached, row or terrace houses, townhouses etc, 0.0% were flats, units or apartments and 4.1% were other dwellings.

Number of bedrooms
Occupied private dwellings
Spencer % Spencer New South Wales % New South Wales Australia % Australia
None (includes bedsitters) 3 1.5 18,042 0.7 42,160 0.5
1 bedroom 26 13.3 137,467 5.6 363,129 4.7
2 bedrooms 61 31.3 555,253 22.5 1,481,577 19.1
3 bedrooms 74 37.9 986,995 39.9 3,379,930 43.6
4 or more bedrooms 28 14.4 726,049 29.4 2,350,132 30.3
Number of bedrooms not stated 3 1.5 47,491 1.9 143,394 1.8
Average number of bedrooms per dwelling 2.5 -- 3 -- 3.1 --
Average number of people per household 2.1 -- 2.6 -- 2.6 --

In Spencer, of occupied private dwellings 13.3% had 1 bedroom, 31.3% had 2 bedrooms and 37.9% had 3 bedrooms. The average number of bedrooms per occupied private dwelling was 2.5. The average household size was 2.1 people.

Tenure
Occupied private dwellings
Spencer % Spencer New South Wales % New South Wales Australia % Australia
Owned outright 73 37.6 820,006 33.2 2,488,149 32.1
Owned with a mortgage 72 37.1 824,292 33.4 2,709,433 34.9
Rented 36 18.6 743,050 30.1 2,297,458 29.6
Other tenure type 6 3.1 20,418 0.8 70,069 0.9
Tenure type not stated 7 3.6 63,530 2.6 195,213 2.5

Of occupied private dwellings in Spencer, 37.6% were owned outright, 37.1% were owned with a mortgage and 18.6% were rented.

Household composition

Household composition Spencer % Spencer New South Wales % New South Wales Australia % Australia
Family households 100 51.8 1,777,400 71.9 5,550,614 71.5
Single (or lone) person households 90 46.6 599,149 24.2 1,888,698 24.3
Group households 3 1.6 94,746 3.8 321,007 4.1

In Spencer, of all households, 51.8% were family households, 46.6% were single person households and 1.6% were group households.

Household income Spencer % Spencer New South Wales % New South Wales Australia % Australia
Less than $600 gross weekly income -- 43.6 -- 24.2 -- 23.7
More than $3,000 gross weekly income -- 4.5 -- 12.3 -- 11.2

In Spencer, 43.6% of households had a weekly household income of less than $600 and 4.5% 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 Spencer % Spencer New South Wales % New South Wales Australia % Australia
Median rent 150 -- 300 -- 285 --
Households where rent payments are less than 30% of household income -- 93.2 -- 88.4 -- 89.6
Households where rent payments are 30%, or greater, of household income -- 6.8 -- 11.6 -- 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 Spencer % Spencer New South Wales % New South Wales Australia % Australia
Median mortgage repayments 1,400 -- 1,993 -- 1,800 --
Households where mortgage payments are less than 30% of household income -- 84.0 -- 89.5 -- 90.1
Households where mortgage payments are 30%, or greater, of household income -- 16.0 -- 10.5 -- 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 Spencer % Spencer New South Wales % New South Wales Australia % Australia
None 14 7.1 258,153 10.4 665,852 8.6
1 motor vehicle 87 44.4 933,953 37.8 2,778,576 35.8
2 motor vehicles 64 32.7 840,655 34.0 2,802,468 36.1
3 or more vehicles 24 12.2 360,074 14.6 1,279,134 16.5
Number of motor vehicles not stated 7 3.6 78,462 3.2 234,292 3.0

In Spencer, 44.4% of occupied private dwellings had one registered motor vehicle garaged or parked at their address, 32.7% had two registered motor vehicles and 12.2% had three or more registered motor vehicles.

Aboriginal and/or Torres Strait Islander people

selected people & dwelling characteristics

People characteristics

People characteristics Spencer % Spencer New South Wales % New South Wales Australia % Australia
Aboriginal and/or Torres Strait Islander 17 -- 172,620 -- 548,368 --
 null  null  null  null  null  null  null
Male 7 41.2 85,080 49.3 270,331 49.3
Female 10 58.8 87,540 50.7 278,037 50.7
 null  null  null  null  null  null  null
Median age 24 -- 21 -- 21 --

In Spencer, there were 17 Aboriginal and/or Torres Strait Islander people. Of these, 7 (or 41.2%) were male and 10 (or 58.8%) were female. The median age was 24 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 Spencer % Spencer New South Wales % New South Wales Australia % Australia
Average number of people per household 3.6 -- 3.1 -- 3.3 --
Average number of people per bedroom 1.5 -- 1.2 -- 1.2 --
Median household income 700 -- 941 -- 991 --

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

In Spencer, for dwellings occupied by Aboriginal and/or Torres Strait Islander people, the average household size was 3.6, with 1.5 persons per bedroom. The median household income was $700.

Mortgage and rent Spencer % Spencer New South Wales % New South Wales Australia % Australia
Median weekly rent 220 -- 200 -- 195 --
Median monthly mortgage repayments 0 -- 1,673 -- 1,647 --

In Spencer, for dwellings occupied by Aboriginal and/or Torres Strait Islander people, the median weekly rent was $220 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.