Spending on rent and mortgages

The main facts and figures show that:

  • 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)
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 only includes findings based on subgroups of at least 30 households to ensure that only reliable findings are reported. For this reason, estimates for the Gypsy or Irish Traveller, Mixed White and Black Caribbean, Mixed White and Black African, Mixed White and Asian, Other Mixed, Chinese, Other Black, and Arab ethnic groups have not been presented in some of the tables or charts.

The number of Gypsy or Irish Traveller households in the data is very small. To avoid disclosing personal information about individuals in those groups, information about them is not presented in some of the tables and charts.

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.

For example, EHS findings might include the percentage of households who get help from their family to buy their own home.

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 percentage of gross total household income (before tax and national insurance is taken off) spent by:

  • homeowners on mortgage payments
  • social and private renters on rent

For both homeowners and renters, the percentages are the averages for each ethnic group.

For households renting their home, the amount spent on rent is calculated as a percentage of weekly total gross household income, including Housing Benefit.

Homeowners who were buying their home through a shared ownership scheme were excluded from the analysis. This is because they pay both mortgage and rent.

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

This data uses the following 18 ethnic groups based on the 2011 Census.

White:

  • English/Welsh/Scottish/Northern Irish/British
  • Irish
  • Gypsy, Traveller or Irish Traveller
  • Any other White background

Mixed/Multiple ethnic groups:

  • White and Black Caribbean
  • White and Black African
  • White and Asian
  • Any other Mixed/Multiple ethnic background

Asian/Asian British:

  • Indian
  • Pakistani
  • Bangladeshi
  • Chinese
  • Any other Asian background

Black/African/Caribbean/Black British:

  • African
  • Caribbean
  • Any other Black/African/Caribbean background

Other ethnic group:

  • Arab
  • Any other ethnic group

Ethnic groups and how data on ethnicity is collected

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 (CSV) Source data (CSV)

Summary

This 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%

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 (CSV) Source data (CSV)

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%)

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

Download the data

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

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