Spending on rent and mortgages

Published

Last updated 4 March 2021 - see all updates

1. Main facts and figures

  • in 2015 to 2017, among households that owned their own home, those from the Other Asian ethnic group spent 24% of their weekly income on mortgage payments, while White British households spent 17%
  • among those renting their homes, White British households spent 30% of their weekly income on rent payments (the lowest percentage out of all ethnic groups)

2. Things you need to know

What the data measures

The data shows the percentage of total household income spent on mortgages and rent, by ethnicity.

Percentages are based on total household income before tax and National Insurance is deducted (‘gross’ income). For households renting their home, income includes Housing Benefit.

The information relates to households of either one person or a group of people sharing cooking facilities and a living room or dining area. It must be their main or only home.

Percentages are rounded to the nearest whole number but have been worked out using unrounded numbers.

Not included in the data

The data does not include households buying their home through a shared ownership scheme. This is because they pay both mortgage and rent.

Estimates based on fewer than 30 households have not been included. This is because it is harder to make reliable generalisations from smaller numbers of survey respondents.

The ethnic groups used in the data

Data is shown for the 18 ethnic groups used in the 2011 Census.

Each household’s ethnic group is the ethnicity of the ‘household reference person’ (usually the person responsible for paying the rent or mortgage). There may be people of different ethnicities in the same household.

The ethnicity was known for 99.8% of households.

Methodology

Read the detailed methodology document for the data on this page.

The data is an average for the 2 years from April 2015 to March 2017. This is to make sure there are enough households to be able to make reliable generalisations. You can read more about combining multiple years of data and some of the issues involved.

The figures on this page are based on survey data. Find out more about:

In the data file

See Download the data for:

  • figures rounded to 1 decimal place
  • sample sizes
  • weighted figures for the numerator and denominator

3. Spending on mortgages by ethnicity

Percentage of gross household income spent on mortgage payments by ethnicity
Ethnicity %
Asian
Bangladeshi 19
Chinese withheld because a small sample size makes it unreliable
Indian 19
Pakistani 20
Asian other 24
Black
Black African 23
Black Caribbean 22
Black other withheld because a small sample size makes it unreliable
Mixed
Mixed White/Asian withheld because a small sample size makes it unreliable
Mixed White/Black African withheld because a small sample size makes it unreliable
Mixed White/Black Caribbean withheld because a small sample size makes it unreliable
Mixed other withheld because a small sample size makes it unreliable
White
White British 17
White Irish 21
White Gypsy/Traveller withheld because a small sample size makes it unreliable
White other 20
Other
Arab withheld because a small sample size makes it unreliable
Any other 30

Download table data for ‘Spending on mortgages by ethnicity’ (CSV) Source data for ‘Spending on mortgages by ethnicity’ (CSV)

Summary of Spending on rent and mortgages Spending on mortgages by ethnicity Summary

The data shows that:

  • on average, White British homeowners spent 17% of their weekly income on mortgage payments, while those from the Other Asian ethnic group spent 24%

4. Spending on rent by ethnicity

Percentage of gross household income (including housing benefits) spent on rent by ethnicity
Ethnicity %
Asian
Bangladeshi 30
Chinese 72
Indian 33
Pakistani 33
Asian other 37
Black
Black African 39
Black Caribbean 34
Black other withheld because a small sample size makes it unreliable
Mixed
Mixed White/Asian withheld because a small sample size makes it unreliable
Mixed White/Black African 30
Mixed White/Black Caribbean 40
Mixed other 32
White
White British 30
White Irish 31
White Gypsy/Traveller withheld because a small sample size makes it unreliable
White other 32
Other
Arab 46
Any other 37

Download table data for ‘Spending on rent by ethnicity’ (CSV) Source data for ‘Spending on rent by ethnicity’ (CSV)

Summary of Spending on rent and mortgages Spending on rent by ethnicity Summary

The data shows that:

  • on average, White British households that rented their home spent 30% of their weekly income on rent payments
  • households spending a higher percentage of income on rent than White British households include those from the following ethnic groups: Chinese (72% of weekly income), Arab (46%), Other Asian (38%), Other ethnic group (37%), Mixed White and Black Caribbean (40%), Black African (39%), Other White (32%) and Black Caribbean (34%)

5. Data sources

Source

Type of data

Survey data

Type of statistic

National Statistics

Publisher

Ministry of Housing, Communities and Local Government

Note on corrections or updates

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.

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. It collects information about people’s housing circumstances and the condition and energy efficiency of housing in England.

6. Download the data

Spending on rent and mortgages - Spreadsheet (csv) 7 KB

This file contains: time, ethnicity, tenure, value, sample size