Housing older Australians: Loss of homeownership and pathways into housing assistance
In Australia and other ‘homeownership societies’ it has been conventional to think of housing pathways in terms of a smooth linear progression, leading to outright ownership in middle age and a retirement buffered by low housing costs. This vision of the welfare role of homeownership is an important...
| Main Authors: | , , |
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| Format: | Journal Article |
| Published: |
2015
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| Online Access: | http://hdl.handle.net/20.500.11937/23580 |
| _version_ | 1848751190369632256 |
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| author | Ong, Rachel Wood, Gavin Colic-Peisker, V. |
| author_facet | Ong, Rachel Wood, Gavin Colic-Peisker, V. |
| author_sort | Ong, Rachel |
| building | Curtin Institutional Repository |
| collection | Online Access |
| description | In Australia and other ‘homeownership societies’ it has been conventional to think of housing pathways in terms of a smooth linear progression, leading to outright ownership in middle age and a retirement buffered by low housing costs. This vision of the welfare role of homeownership is an important buttress of Australian retirement incomes policy. However, this vision has been challenged in recent years as growing numbers of older Australians lose home ownership and consequently transition onto housing assistance programmes. Using Household, Income and Labour Dynamics in Australia (HILDA) survey data we analyse pathways into housing assistance. A transition model is estimated that specifies older Australians’ pathway to housing assistance status as a function of key socioeconomic and demographic determinants such as wealth and debt, health, marital status, tenure and employment history programmes. We find that those losing home ownership have a higher chance of becoming users of housing assistance programmes than similarly positioned longer-term renters, a result that is particularly evident among ex-owners that are exposed to adverse biographical events. The theoretical implications of our findings for the scholarship on housing pathways are discussed. |
| first_indexed | 2025-11-14T07:48:47Z |
| format | Journal Article |
| id | curtin-20.500.11937-23580 |
| institution | Curtin University Malaysia |
| institution_category | Local University |
| last_indexed | 2025-11-14T07:48:47Z |
| publishDate | 2015 |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | curtin-20.500.11937-235802019-04-30T04:00:06Z Housing older Australians: Loss of homeownership and pathways into housing assistance Ong, Rachel Wood, Gavin Colic-Peisker, V. In Australia and other ‘homeownership societies’ it has been conventional to think of housing pathways in terms of a smooth linear progression, leading to outright ownership in middle age and a retirement buffered by low housing costs. This vision of the welfare role of homeownership is an important buttress of Australian retirement incomes policy. However, this vision has been challenged in recent years as growing numbers of older Australians lose home ownership and consequently transition onto housing assistance programmes. Using Household, Income and Labour Dynamics in Australia (HILDA) survey data we analyse pathways into housing assistance. A transition model is estimated that specifies older Australians’ pathway to housing assistance status as a function of key socioeconomic and demographic determinants such as wealth and debt, health, marital status, tenure and employment history programmes. We find that those losing home ownership have a higher chance of becoming users of housing assistance programmes than similarly positioned longer-term renters, a result that is particularly evident among ex-owners that are exposed to adverse biographical events. The theoretical implications of our findings for the scholarship on housing pathways are discussed. 2015 Journal Article http://hdl.handle.net/20.500.11937/23580 10.1177/0042098014550955 restricted |
| spellingShingle | Ong, Rachel Wood, Gavin Colic-Peisker, V. Housing older Australians: Loss of homeownership and pathways into housing assistance |
| title | Housing older Australians: Loss of homeownership and pathways into housing assistance |
| title_full | Housing older Australians: Loss of homeownership and pathways into housing assistance |
| title_fullStr | Housing older Australians: Loss of homeownership and pathways into housing assistance |
| title_full_unstemmed | Housing older Australians: Loss of homeownership and pathways into housing assistance |
| title_short | Housing older Australians: Loss of homeownership and pathways into housing assistance |
| title_sort | housing older australians: loss of homeownership and pathways into housing assistance |
| url | http://hdl.handle.net/20.500.11937/23580 |