Deposits paid by first-time buyers

The main facts and figures show that:

  • between 2015 and 2017,White British first-time buyers paid a smaller deposit for a home on average compared with first-time buyers from all other ethnic groups combined – however, the number of households surveyed was too small to draw firm conclusions
  • among people working in routine and manual occupations, White British first-time buyers paid a larger deposit than first-time buyers from all other ethnic groups combined
  • among those working in higher managerial, administrative and professional occupations, White British first-time buyers paid a smaller deposit than first-time buyers from all other ethnic groups combined
Things you need to know

Compared with White British households, ethnic minority households tend to:

To ensure that there is a large enough number of ethnic minority households to produce reliable findings, the data is drawn from the English Housing Survey (EHS) for 2 years combined: 2015/16 and 2016/17.

You should avoid comparing these findings with those from last year. This is because last year’s findings were based on EHS data from 2014/15 and 2015/16, so the source for last year’s and this year’s findings overlap.

Information published in the EHS headline report and other annual reports is usually based on a 12-month period, rather than the 2 years’ combined data used here. As a result, the statistics shown here may not match those in the EHS reports.

The commentary has focused on findings based on subgroups of at least 30 households to ensure that only reliable findings are reported.

The English Housing Survey (EHS) is a ‘sample survey’: it collects information from a random sample of the population to make generalisations (reach 'findings’) about the total population.

The commentary for this data only includes reliable, or ‘statistically significant’, findings.

Findings are statistically significant when we can be confident that they can be repeated, and are reflective of the total population rather than just the survey sample.

Specifically, the statistical tests used mean we can be confident that if we carried out the same survey on different random samples of the population, 19 times out of 20 we would get similar findings.

What the data measures

This data measures the average deposit paid by first-time buyers when buying a home in England, broken down by ethnicity.

First-time buyers are home buyers who, when surveyed in 2015/16 or 2016/17, had bought a home for the first time in the previous 3 years.

The figures are drawn from the 2015/16 and 2016/17 English Housing Survey (EHS). The survey involves face-to-face interviews with about 13,300 randomly-selected households every year.

These are used to make estimates for the 23 million households in England as a whole.

The EHS is a national survey of people's housing circumstances and the condition and energy efficiency of homes.

The information relates to households. A household is one person or a group of people (not necessarily related) who have the accommodation as their only or main residence. If it is a group, they must share cooking facilities and also share a living room, sitting room or dining area.

Some households contain people from different ethnic backgrounds. In these circumstances, the ethnic background of the ‘household reference person’ (usually the person in whose name the home is owned) is used to define the ethnic background of the household.

Nearly all the household reference persons – more than 99.8% interviewed – gave information on their ethnicity.

The ethnic categories used in this data

For this data, the number of people surveyed (the ‘sample size’) was too small to draw any firm conclusions about specific or broad ethnic categories. Therefore, the data is broken down into the following 2 broad categories:

  • White British
  • Other – all other ethnic groups (including White ethnic minorities and all other ethnic minorities)

Ethnic groups and how data on ethnicity is collected

Deposits paid by first-time buyers by ethnicity

Average deposit paid by first-time buyers, by ethnicity

Ethnicity £
White British 45,121
Other than White British 63,074

Download table data (CSV) Source data (CSV)

Summary

This data shows that:

  • White British first-time buyers paid a smaller deposit on average (£45,121) compared with first-time buyers from all other ethnic groups combined (£63,074) – however, the number of households surveyed was too small to draw firm conclusions

Deposits paid by first-time buyers by ethnicity and socio-economic group

Average deposit paid by first-time buyers, by ethnicity and socio-economic group

Ethnicity Higher managerial, administrative and professional occupations Intermediate occupations Routine and manual occupations
£ £ £
White British 48,443 42,541 37,130
Other than White British 82,161 41,728 15,234

Download table data (CSV) Source data (CSV)

Summary

This data shows that:

  • among people working in routine and manual occupations, White British first-time buyers paid a larger deposit (around £37,000) than first-time buyers from all other ethnic groups combined (around £15,000)
  • White British first-time buyers in higher managerial, administrative and professional occupations paid a smaller deposit on average (around £48,000) than those from all other ethnic groups combined (around £82,000)

Methodology

Methodology

The English Housing Survey involves face-to-face interviews with a random sample of about 13,300 households a year.

The dwellings of about 6,000 of the interviewed households are randomly selected to take part in the physical survey element carried out by a qualified surveyor. In addition, a random sample of around 200 of the dwellings identified by the interviewer as vacant are also included in the physical survey element.

Weighting:

Weights are applied to the sample to produce estimates for the 23 million households in England as a whole.

Suppression rules and disclosure control

Estimates based on fewer than 30 households have not been included in these statistics, because small numbers of households make it impossible to draw meaningful conclusions.

More detailed data, including some potentially disclosive data, is protected by a range of disclosure controls. See the guidance on English Housing Survey datasets for information accessing this data.

Rounding

Percentages shown in the charts and tables are rounded to the nearest whole number. Download the data to see figures rounded to 1 decimal place.

Figures for the numerator and denominator are weighted and rounded to the nearest whole number in the download files. Therefore, calculations of the percentages using these values may differ to the percentage figures shown on this page, which have been calculated using unrounded figures.

Related publications

English Housing Survey information and publications.

Quality and methodology information

Data sources

Source

Type of data

Survey data

Type of statistic

National Statistics

Publisher

Ministry of Housing, Communities and Local Government

Publication frequency

Yearly

Purpose of data source

The English Housing Survey is a continuous national survey commissioned by the Ministry of Housing, Communities and Local Government (MHCLG). It collects information about people’s housing circumstances and the condition and energy efficiency of housing in England.

Download the data

Deposits paid by first-time buyers - Spreadsheet (csv) 1 KB

This files contains: ethnicity, time, NS-SEC, value, sample size