Presence of mortgage payments of owner household

Status: This standard was approved as a departmental standard on March 24, 2016.


Presence of mortgage payments refers to whether an owner household makes regular mortgage or loan payments for their dwelling.

Owner household refers to a private household where some member of the household owns the dwelling, even if it is still being paid for.


Presence of mortgage payments is typically measured for the dwelling that is the household's usual place of residence. If an alternate place of residence is used, this should be specified in the data presentation.

Conformity to relevant internationally recognized standards

This standard is compatible with the recommendations for censuses contained in the United Nations' "Principles and Recommendations for Population and Housing Censuses, Revision 2", 2008. The United Nations recommends obtaining information to show if the housing units are fully paid for or being purchased in installments or mortgaged. The United Nations makes no specific instruction on the inclusion of mortgaged dwellings in which no payments are made (such as 'reverse mortgages').

The "Conference of European Statisticians Recommendations for the 2010 Censuses of Population and Housing", 2006 also recommends collecting information to identify households that are in the process of paying off a mortgage on the housing unit. They also specifically instruct that the household be in the process of paying off the mortgage, which is consistent with this standard which requires mortgage payments.


Relation to previous version

  • Presence of mortgage payments of owner household March 24, 2016 to current

    This is the current standard.

Date modified: