Home ownership

Published

1. Main facts and figures

  • 63% of households in England owned their own homes in the 2 years from 2016 to 2018
  • 68% of White British households owned their own homes, compared with 74% of Indian households
  • households in the Black African (20%) and Arab (17%) ethnic groups had the lowest rates of home ownership
  • in every, socio-economic group and age group, White British households were more likely to own their own homes than all ethnic minority households combined
Things you need to know

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

The data for this analysis comes from the English Housing Survey (EHS). The EHS surveys a random sample of people to make generalisations about the whole population.

The commentary for this data includes only reliable findings. Findings are reliable when we can be confident they reflect the total population. This means we would get similar findings 19 times out of 20 if we carried out the same survey on different random people.

Every year, 2 years' worth of data is combined and an average is worked out. For example, the data for the most recent period (2017/18) is an average of the data for the years 2017 and 2018. This makes the data more reliable.

You should avoid comparing these findings with those from last year. This is because last year’s findings were based on data from 2015/16 and 2016/17, so the source for last year’s and this year’s findings overlap.

Information published in the headline report and other annual reports is based on a single year rather than 2 years' data. As a result, the figures shown here may not match those in the English Housing Survey reports.

The number of Gypsy or Irish Traveller households surveyed was very small. This page doesn't include estimates for this group, partly to protect respondents’ confidentiality. The number is also too small to make reliable generalisations.

What the data measures

This data measures the number and percentage of households whose occupants either:

  • own their home outright
  • have a mortgage to buy their home

The data is broken down by ethnicity, socioeconomic group, age group, income, and area.

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 home. 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 this data, the household's ethnicity is that of the ‘household reference person’ (the person in whose name the home is owned or rented).

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

Data is shown for the following 9 regions:

  • North East
  • North West
  • Yorkshire and the Humber
  • East Midlands
  • West Midlands
  • East of England
  • London
  • South East
  • South West
The ethnic categories used in this data

For national estimates, this data uses the 18 ethnic groups from the 2011 Census.

Analysis by ethnicity and other factors

Estimates are shown for 2 broad ethnic groups where data is broken down by an additional factor (socio-economic group, income, area and age):

  • White British
  • Other than White British – all ethnic minorities (including White minorities)

This is because the number of respondents is too small to make reliable generalisations when broken down by ethnicity and another factor. So data is grouped to a size where estimates are reliable.

2. By ethnicity

Percentage and number of households (in thousands) that owned their own home, by ethnicity
Ethnicity % Homeowners ('000s) All households ('000s)
All 63 14,604 23,160
Asian
Bangladeshi 46 69 152
Chinese 45 50 111
Indian 74 406 550
Pakistani 58 207 358
Asian other 39 74 190
Black
Black African 20 88 431
Black Caribbean 40 124 308
Black other 37 12 32
Mixed
Mixed White/Asian 70 36 52
Mixed White/Black African 34 29 85
Mixed White/Black Caribbean 32 30 93
Mixed other 42 31 73
White
White British 68 12,851 18,863
White Irish 56 120 213
White Gypsy/Traveller withheld because a small sample size makes it unreliable withheld because a small sample size makes it unreliable withheld because a small sample size makes it unreliable
White other 30 388 1,307
Other
Arab 17 14 83
Any other 29 71 250

Download table data for ‘By ethnicity’ (CSV) Source data for ‘By ethnicity’ (CSV)

Summary of Home ownership By ethnicity Summary

This data shows that:

  • 63% of households in England were homeowners (around 14.6 million households)
  • 68% of White British households were homeowners
  • White British households had a higher rate of home ownership than most ethnic minority households
  • however, 74% of Indian households were homeowners, a higher rate than White British households
  • Mixed White and Asian households had a similar rate of home ownership to White British households (at 70%)
  • households in the Black African (20%) and Arab (17%) ethnic groups had the lowest rates of home ownership

3. By ethnicity and area

Percentage and number of households (in thousands) that owned their own home, by ethnicity and area
White British Other than White British
Region White British % White British Homeowners ('000s) White British All households ('000s) Other than White British % Other than White British Homeowners ('000s) Other than White British All households ('000s)
East 70 1,541 2,186 46 168 367
East Midlands 71 1,200 1,688 42 121 289
London 62 1,026 1,660 35 621 1,778
North East 62 673 1,090 50 34 68
North West 67 1,834 2,757 43 166 384
South East 72 2,327 3,244 45 236 522
South West 71 1,602 2,269 40 70 175
West Midlands 68 1,344 1,978 50 207 415
Yorkshire and the Humber 66 1,305 1,992 44 131 299

Download table data for ‘By ethnicity and area’ (CSV) Source data for ‘By ethnicity and area’ (CSV)

Summary of Home ownership By ethnicity and area Summary

This data shows that:

  • in every region in England except the North East, White British households were more likely to be homeowners than all ethnic minority households combined
  • although a higher percentage of White British households in the North East own their home than all ethnic minority households combined, these figures may not be reliable because of the small number of households surveyed

4. By ethnicity and weekly income

Percentage and number of households (in thousands) that owned their own home, by ethnicity and weekly income
White British Other than White British
Income_band White British % White British Homeowners ('000s) White British All households ('000s) Other than White British % Other than White British Homeowners ('000s) Other than White British All households ('000s)
Up to £99 21 37 179 20 8 40
£100 to £199 40 598 1,501 21 65 311
£200 to £299 50 1,007 2,008 28 122 430
£300 to £399 57 1,147 2,028 31 137 447
£400 to £499 64 1,123 1,767 33 120 362
£500 to £599 67 1,110 1,668 31 134 432
£600 to £699 71 1,119 1,576 38 143 373
£700 to £799 75 962 1,282 46 128 279
£800 to £899 79 903 1,148 38 108 281
£900 to £999 80 747 936 56 107 190
£1000 and above 86 4,005 4,636 60 668 1,117

Download table data for ‘By ethnicity and weekly income’ (CSV) Source data for ‘By ethnicity and weekly income’ (CSV)

Summary of Home ownership By ethnicity and weekly income Summary

This data shows that:

  • in every income band except for the lowest, White British households were more likely to be homeowners than all ethnic minority households combined

5. By ethnicity and age group

Percentage and number of households (in thousands) that owned their own home, by ethnicity and age group
White British Other than White British
Age_group White British % White British Homeowners ('000s) White British All households ('000s) Other than White British % Other than White British Homeowners ('000s) Other than White British All households ('000s)
16 - 24 12 71 580 6 12 202
25 - 34 44 1,009 2,297 23 231 1,009
35 - 44 61 1,700 2,773 39 472 1,218
45 - 54 71 2,645 3,705 47 394 844
55 - 64 77 2,586 3,373 57 283 499
65 or over 79 4,841 6,136 69 362 526

Download table data for ‘By ethnicity and age group’ (CSV) Source data for ‘By ethnicity and age group’ (CSV)

Summary of Home ownership By ethnicity and age group Summary

The age group assigned to the household is that of the ‘household reference person’ (the person in whose name the home is owned or rented).

This data shows that:

  • in every age group, White British households were more likely to be homeowners than all ethnic minority households combined

6. By ethnicity and socio-economic group

Percentage and number of households (in thousands) that owned their own home, by ethnicity and socio-economic group
White British Other than White British
NS-SEC White British % White British Homeowners ('000s) White British All households ('000s) Other than White British % Other than White British Homeowners ('000s) Other than White British All households ('000s)
Higher managerial, administrative and professional occupations 81 6,213 7,684 53 868 1,629
Intermediate occupations 71 2,816 3,958 42 329 792
Routine and manual occupations 53 3,161 6,010 30 428 1,427

Download table data for ‘By ethnicity and socio-economic group’ (CSV) Source data for ‘By ethnicity and socio-economic group’ (CSV)

Summary of Home ownership By ethnicity and socio-economic group Summary

This data shows that:

  • in every socio-economic group, White British households were more likely to be homeowners than all ethnic minority households combined

7. Methodology

Around 13,300 households a year take part in face-to-face interviews for the English Housing Survey.

Of these, around 6,000 households are surveyed by a qualified surveyor. These are chosen at random. Another 200 empty properties are surveyed.

Weighting:

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

Weighting adjusts the results of a survey to make them representative of the population and make them more reliable.

For example, a survey of 25 women and 75 men will not accurately reflect the views of the general population, which is around 50% male and 50% female.

Suppression rules and disclosure control

These figures don't include estimates based on fewer than 30 households. This is because it's hard to make reliable generalisations based on a small number of respondents.

Where data is analysed by ethnicity and another factor (like socio-economic group), 2 ethnic groups are shown. This avoids the potential for individuals to be identified.

See the guidance on English Housing Survey datasets for information on accessing other, more detailed, data.

Rounding

Percentages shown in the charts and tables are rounded to the nearest whole number. They were worked out using unrounded figures.

Download the data to see unrounded percentages.

Figures for the numerator and denominator are weighted and rounded to the nearest whole number in the download files. If you use these figures to work out the percentages, they may differ to the percentages shown on this page.

Quality and methodology information

8. 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 collects information about:

  • people’s housing circumstances
  • the condition and energy efficiency of housing in England

9. Download the data

Home ownership spreadsheet - Spreadsheet (csv) 19 KB

This file contains the following: ethnicity, year, geography, age group, NS-SEC (socio-economic group), income, region, value, denominator, numerator and sample size -- Please note, the overall percentage of people owning their own home differs when other variables are included in the analysis. This is because there were different response rates for questions about age, income, regions and socio-economic status (NS-SEC). This has resulted in 4 different percentages, sample sizes etc.