Annual Housing Statistics
Bulletin 2006
© Government of Ireland 2007
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2
FOREWORD BY MINISTER OF STATE
I am pleased to present the Annual Housing Statistics Bulletin for 2006 as my first
publication as Minister for Housing, Urban Renewal and Developing Areas. The
Annual Housing Statistics Bulletin reports on the outcomes from a wide range of
housing activity carried out during the course of the past year. It describes key policy
developments and indicates the outputs achieved through the various social and
affordable housing schemes. These outputs reflect the significant investment directed
at assisting less well off households.
Progress in the Irish housing sector, has seen the delivery of more than one-third of
homes over the last ten years at one of the fastest rates in Europe. The Programme for
Government reiterates the strong emphasis on creating sustainable places for people
to live. It commits to responding to individual household needs, by expansion of the
range of social and affordable housing options. The new policy statement launched
earlier this year Delivering Homes, Sustaining Communities outlines a range of actions
designed to support the building of sustainable communities, improved quality of
housing and neighbourhoods and more effective delivery.
This is bolstered by the substantial rise in resources under the new National
Development Plan (NDP) 2007-2013. €18 billion has been provided under the NDP
for housing programmes to meet the accommodation needs of some 140,000
households over the period of the plan.
In addition to providing information on the progress of housing programmes,the
Annual Housing Statistics Bulletin provides data on wider housing market indicators.
I hope that this Bulletin will prove to be useful to all readers. The full historic series
of statistics are also available on the Department’s website at www.environ.ie.
Batt O’Keeffe T.D.
Minister for Housing, Urban Renewal and
Developing Areas
3
4
CONTENTS
Part 1 - Overview
7
Part 2 - Housing Market Indicators
12
Appendix I - Statistical Tables
37
Section 1 - Housing Activity
House completions - by sector
Total house completions - by area for 2006
Total and private house completions - by area
New houses completed - by type for 2006
New houses completed percentages- by type
New house guarantee registrations
Commencement notices
Supply of housing land
37-44
Section 2 - House Prices
New house prices by area
New house prices (excl apartments) by area
New apartment prices by area
Second-hand house prices by area
Second-hand house prices (excl apartments) by area
Second-hand apartment prices by area
Ranges of house prices - Whole country
Ranges of house prices - Dublin
House building cost index
45-53
Section 3 - Housing Loans
Loan approvals
Loan payments
Ranges of loans paid - Whole country
Ranges of loans paid - Dublin
54-57
Section 4 - Profile of Borrowers
Ranges of income of borrowers - Whole country
Ranges of income of borrowers - Dublin
Ownership status of borrowers - Whole country and Dublin
58-60
Section 5 - Housing Supports
Total social and affordable housing provision - 2006
61-64
5
Section 6 - Paths to Home Ownership including Part V Activity
Part V, Planning and Development Acts 2000 - 2006 - Total Output
Shared ownership and Affordable housing (1999 scheme) - by area
Shared ownership and affordable housing - sales completed
Mortgage allowance - by area
Sale of local authority houses
65-70
Section 7 - Social Housing Supports
Local authority housing output new build and acquisitions - by area
Local authority housing output new build and acqusitions - by Council
Improvement works in lieu of re-housing and extensions - by area
First-time lettings by local authorities
Number of local authority houses let at 31 December
Local Authority Management and Maintenance expenditure
Voluntary and Co-operative housing output - by area
Rental Accommodation Scheme (RAS)
71-79
Section 8 - Traveller Accommodation
Traveller Families in all categories of accommodation at 24 November 2006
80-83
Section 9 - Disabled persons and essential repairs grants paid
Disabled persons and essential repairs grants paid by local authorities
Disabled persons and essential repairs grants paid - by area
84-85
Section 10 - Private Rented Housing
Enforcement of requirements for standards and rent books in 2006
Private rented housing - Registrations at 31 December 2006
86-87
Section 11 - Capital investment in housing
Public capital expenditure on housing
Capital formation in housing
Appendix II - Summary of Social and Affordable Housing Schemes
6
88
89-93
Part 1
Overview
The key housing objective is to enable every household to have available an
affordable dwelling of good quality, suited to its needs, in a good environment
and, as far as possible, at the tenure of its choice.
Rapid economic growth and significant demographic changes have resulted in
unprecedented levels of demand for housing. This demand has put very significant
pressures on house prices. However, as housing supply has expanded, the increase
in house prices has moderated from the high levels seen in 1998. Prices in Dublin
have been particularly affected by the need to supply housing demand in the capital.
Problems of affordability have resulted due to these price increases although other
factors such as lower tax levels and increased disposable income have had a positive
impact on addressing affordability. House prices have eased since the last quarter of
2006. This was the result of reductions in affordability due to interest rate increases
and very steep price escalation in the previous eighteen months in the context of very
strong housing demand and mortgage lending. Despite these pressures, over 600,000
new houses and apartments have been built since 1997, with a significant number
bought by first-time buyers.
2006 was yet another record year for house building with over 93,400 houses and
apartments being built. We are providing new homes at a rate of over 21 per 1,000
people, faster than other countries in Europe, in order to meet the increasing demand
from rapid population growth and economic prosperity.
There has also been a targeted investment to address the housing neeeds of the less
well off in Irish society. Some €8.2 billion of Exchequer capital has been invested in
social housing schemes and affordable housing schemes, combined, since 1997. As a
result of these efforts, some 113,000 households have benefited from various social
and affordable housing programmes. The focus will remain on supporting the
delivery of the required levels of supply and on providing targeted support to those
who cannot meet their accommodation needs fully from their own resources or by
purchasing on the open market.
A total of 14,686 households were assisted in 2006. Just under 7,700 social housing
units were commenced, and with other measures 11,249 households in need of social
housing were assisted and 3,216 households benefited from affordable housing
measures.
Detailed statistical tables are provided in Appendix I.
7
Key Policy Developments in 2006
New Housing Policy Statement
2006 saw the agreement of significant housing commitments in the new social
partnership agreement Towards 2016. Specifically, the Government committed to: •
The commencement/acquisition of 27,000 new units of social housing through
a variety of mechanisms over the period 2007 to 2009;
•
Full implementation of the Rental Accommodation Scheme; and
•
The delivery of 17,000 affordable homes in the period 2007 to 2009.
Substantial progress was made in developing the new NDP and the new housing
policy statement (Delivering Homes, Sustaining Communities) during 2006. Both were
published in early 2007 and reaffirm the targets in Toward 2016.
Work was progressed in 2006 on the development of the social housing reform
agenda set out in the Housing Policy Framework: Building Sustainable Communities
(and in more detail in the new housing policy statement Delivering Homes, Sustaining
Communities). This included consultation with stakeholders through the Housing
Forum and the Housing Committee of the City and County Manager’s Association.
Work was progressed on the development of new social housing legislation, with
Government agreement secured towards year-end on the drafting of legislation by
the parliamentary counsel.
Building Societies (Amendment) Act 2006
A number of specific actions advanced in 2006 relate specifically to the operation of
the private housing market, and included the enactment of the Building Societies
(Amendment) Act 2006 in July 2006. This Act, which commenced on 1 August 2006,
extends certain provisions of the Building Societies Act 1989 in relation to the demutualisation of the building societies and updated certain other provisions of the
legislation. Arrangements were initiated with a view to consolidating building
societies legislation with general financial services legislation.
Phasing out of Stage Payments
Discussions with the Department and the Irish Home Builders Association (IHBA)
led to an agreement to pursue the voluntary phasing out of stage payments and
substantial progress was made towards finalising arrangements for the ending of the
practice at an early date.
8
Private Rented Accommodation Standards
An Action Programme on ‘Private Rented Accommodation Standards’ was launched
in September 2006 involving a range of measures to promote further improvement in
private rented accommodation standards, including a review of the regulations and
more effective enforcement. Work on the Action Programme is progressing.
Supporting delivery of housing programmes
Action Plans for Social and Affordable Housing
Local Authorities developed multi-annual action plans in 2004 covering the five-year
period to 2008. These plans are an important planning tool, providing a practical
implementation to the social and affordable housing segment of local authority
Housing Strategies.
A mid-term review of these action plans was carried out in 2006. The review
examined how targets were met in the first two years of the plans and facilitated the
incorporation of adjustments for the remaining years of the plans, in light of outcomes
and the results of the 2005 Housing Needs Assessment. Nationally, good progress
was made on meeting the targets set in action plans for local authority social housing,
but difficulties emerged over the period in meeting targets for the voluntary and cooperative housing sector. Specific actions to address the issues arising have been set
out in Towards 2016 and Delivering Homes, Sustaining Communities.
Active land management strategies
The National Economic and Social Council Report Housing in Ireland: Performance and
Policy, published in late 2004, highlighted the importance of active land management
as one of the key elements of the policy framework required to respond to the
challenges arising in the housing area, while indicating that a significant element of
active land management already existed in practice. In their initial response to the
NESC report, the Government acknowledged the crucial role of active land
management and indicated that all local authorities would be asked to review their
strategies in this regard.
The approach to this review was outlined by circular to local authorities and the
results were integrated into the review of five-year housing action plans undertaken
in 2006. It is intended that land management strategies will be rolled forward on an
annual basis to ensure that local authorities continue to pursue a planned and
strategic approach towards meeting the land requirements for their social and
affordable housing programmes.
9
Special housing needs
The Independent Review of the Implementation of the Government’s Integrated and
Preventative Homeless Strategies, prepared by Fitzpatrick Associates, Economic
Consultants, was published on 9 February 2006. The Review noted the significant
increase in homeless sector current funding in the period 2000 – 2005: €230 million on
accommodation (through this Department) and over €80 million on care (through the
Department of Health and Children and the Health Service Executive). The Review
concluded that the Integrated and Preventative Homeless Strategies should be
amalgamated and revised. The Government have accepted this recommendation and
work has commenced on a revised and updated Strategy on Homelessness, having
regard to the recommendations of the Independent Review.
Regeneration
The Department seeks to encourage improved quality in social housing, both in new
build and through the renewal of older homes. The Department provided in excess
of €150 million in financial assistance to local authorities to support regeneration and
social housing improvement measures in 2006. The largest regeneration programme
in the State, if not Europe, continues to progress. The 1,000th family to be re-housed
under the Ballymun Regeneration social housing programme were allocated their
accommodation in October 2006. Almost two-thirds of the new housing in Ballymun
is now either complete or in construction.
2006 also saw the completion of the first phase of a regeneration project using a public
private partnership approach. The Fatima Mansions project consists of the provision
of 150 local authority homes, 70 affordable homes and 395 private homes. The target
date for the completion of the project is mid-2008. In addition to Fatima Mansions,
Dublin City Council made significant progress on finalising contracts in relation to
PPP regeneration projects for St Michael’s Estate and O’Devaney Gardens.
A specific initiative, involving the appointment of a special representative, was put in
place by the Government last year to address social exclusion in Moyross, Limerick.
Part of his brief will be to bring forward suggestions for the regeneration of Moyross
and other disadvantaged areas of Limerick.
Traveller Accommodation
The most significant recent development concerning the delivery of accommodation
for Travellers was the publication, in March 2006, of the report of the High Level
Group on Traveller Issues. The Group was set up in December 2003 under the aegis
of the Department of Justice, Equality and Law Reform, to address the lack of
significant outcomes for Travellers from national and local programmes. It was
formed to give impetus to the implementation of existing policy in relation to
Traveller issues, and to ensure the more effective co-ordination of service delivery at
local level. Its membership includes representation at senior official level from the
10
relevant national and local agencies involved in policy formulation and delivery of
services to Travellers. It reports to the Cabinet Committee on Social Inclusion, which
is chaired by An Taoiseach. The Group examined the provision of services to
Travellers in a number of key areas, including education, health, employment,
accommodation, and law enforcement.
The Group’s report, which has been accepted by the Government, contains a number
of accommodation-related recommendations. These include a request for the
establishment of a pilot scheme involving local authorities, the Irish Council for Social
Housing, and Traveller organisations, regarding the development of a Voluntary
Housing model for Travellers. By adopting the recommended coordinated interagency approach to the provision of services, it is expected that there will be an
improvement in the provision of accommodation services for Traveller families.
Delivering quality housing
The delivery of quality housing in quality neighbourhoods is an important
underpinning of policy reflected in recent housing policy statements. Actions to
improve standards in the private rented sector have already been referred to, and in
the general housing market the continuing development of building regulations seeks
to generally raise the standards. Given the significant level of residential construction
over the past decade, a substantial proportion of Irish housing is built to the highest
standards of insulation etc.
The Department, through its involvement in the issuing of Floor Area Compliance
Certificates (FACC’s), which are required by first-time buyers of new houses claiming
stamp duty relief, is continuing its role in the inspection of new houses as a means of
ensuring a measure of protection for first time buyers. Department officials inspected
some 43,000 properties last year for compliance with FACC standards.
In addition, the Department carried out a review of the design guidelines to assist in
the implementation of the new housing policy statement.1
Housing Forum
The Housing Forum continued to provide the social partners with an opportunity to
contribute to housing policy development during 2006. Independent evaluation of
the progress under the Sustaining Progress agreement, particularly pointed to the role
of the forum in driving the housing agenda. In the context of Towards 2016, the
Housing Forum will play an important role in inputting to policy development and
evaluating outcomes over the ten year framework.
1
The Department published “Best Practice Guidelines of Delivering Homes Sustaining Communities” in
March 2007.
11
Part 2
Housing Market Indicators
A number of indicators are available to assess the trends in the housing market.
These include house completions, house guarantee registrations, commencement
notices, planning permissions granted, serviced housing land availability, house
prices and affordability measures. These data are produced in Appendix I and where
possible, historical data is available on the Department’s website www.environ.ie
Section 1 - Housing Activity
House Completions
The total number of new houses completed in 2006 was 93,419. This represents
another record year for house completions, up 15.4% on the 2005 output. Annual
house completions are two and half times the number built ten years ago, with the
highest house building rate in Europe, at over 21 dwellings per 1,000 population.
New
New House
House Completions
100,000
90,000
80,000
70,000
60,000
50,000
40,000
30,000
20,000
10,000
0
Total completions
Dublin
GDA
There were 19,470 houses completed in Dublin, up by 8.1%, and 29,987 up 7.8% in the
Greater Dublin Area (GDA) in the same period. A breakdown of these figures by area
is at Pages 37 to 41.
94% of overall output was private housing, while 6% or 5,208 units, were completed
by the local authority and voluntary and co-operative sector.
(This does not
represent the total output of social housing provision by local authorities, as other
measures including acquisitions, vacancies in existing stock etc contribute to the level
of first time lettings by local authority - see pages 74 – 75.)
12
New House Guarantee registrations
Nationally, the number of new houses registered under guarantee schemes2 for 2006
were 66,649, up 7% compared with 2005 (see Page 42). Dublin showed a higher
increase in the number of registrations, over 10% in the year. Even though some
houses are not registered, particularly those that are self-built, this series serves as a
useful indicator of future building activity.
New
House
Registrations
and
total
House
Completions
New
House
Registrations
and
Total
House
Com
100,000
90,000
80,000
70,000
60,000
50,000
40,000
30,000
20,000
10,000
0
1998
1999
2000
2001
2002
New House registrations
2003
2004
2005
2006
Completions
Commencement Notices
Data available on ‘Residential Commencement Notices’ under the Building Control
Regulations, are available from all building control authorities since January 2004.
This survey (Page 43) provides details of the numbers of residential units started,
with numbers of single units available separately. Results for 2006 indicate some
76,000 residential dwellings were newly started, about 1,000 lower than each of the
previous two years. Of these, 23% were single dwellings.
Supply of Housing Land
The 8th housing land availability survey undertaken in June 2006 indicated that there
was almost 15,900 hectares of zoned serviced land nationally, with an estimated yield
of 492,000 housing units (Page 44). This equates to sufficient capacity nationally for
residential development for six years, based on average housing output.
At the end of June 2006 Dublin City and County had approximately 2,800 hectares of
zoned serviced land with an estimated yield of over 162,000 housing units. There
2
House registrations are made on a voluntary basis with either HomeBond or Premier Guarantee. (The
latter since 2002).
13
were 1,250 hectares of zoned serviced land in the Mid-East Region with an estimated
yield of about 36,000 units. In the other major urban areas, there was sufficient zoned
serviced land to yield about 40,000 units in Cork, 18,000 units in Galway, 12,000 units
in Limerick and 7,200 units in Waterford.
Planning Permissions granted
Another useful indicator of future housing activity is the level of planning
permissions granted. These data are published by the Central Statistics Office, and
available on its website at www.cso.ie. It shows that nationally 78,755 units received
a final grant of planning permission in 2006, representing a decrease of 20.7% on 2005,
which followed a decrease of –2.3% in the previous year. At a more local level,
planning permissions were down 17.5% in the Greater Dublin Area and down 8.5%
in Dublin in 2006. While, Limerick and Cork both reported decreases of 34.3% and
28.9% respectively.
Housing Stock
There are estimated to be about 1.8 million units of housing stock3 in 2006. This
estimate is based on the number of dwellings surveyed for the Census of Population
2006, including both vacant and occupied dwellings. This represents about 420 units
- for every 1,000 persons, which compares favourably with the EU norms where the
average is approximately 450 per 1,000 persons.
Over one third of the existing housing stock has been built in the past 10 years, a
result of the record levels of housing construction activity in this period. The 2006
Census results reveal that:
14
•
Irish housing stock is dominated by detached houses - 43% of the stock are
detached houses, semi-detached houses account for 27%, terraced houses for
18% and apartments represent 10% of the total stock; 4
•
Close to one third of housing stock is made up of one-off housing, that is,
detached housing in open countryside.
•
75% of the occupied housing stock is owner occupied. 7% rented from a local
authority, while 13% rented privately.
•
While 10% of the stock is currently made up of apartments, apartment building
has been a particular feature of recent completions. In fact apartment building
made up 21% of all housing units built in 2006, or 59% of the Dublin region.
3
housing stock includes both permanent occupied and unoccupied habitable residential dwellings.
4
Based on the 2006 Census of Population results.
In 2006, 54% of housing units were built in estates (schemes), and individual houses
accounted for the remaining 25%.
Houses built in 2006 - by type
Apartment
21%
Scheme
House
54%
Single
House
25%
Section 2 - House Prices
Average House Prices
House prices remained strong for the nine months of 2006, despite the substantial
growth in housing supply. Strong demographic and economic factors continued to
play a significant part in this trend. However, in the later part of the year affordability
factors deriving from increases in the ECB lending rates and the sustained rate of
increase in house prices in recent times resulted in a softening in the final quarter of
2006. These effects saw some price falls being recorded in Dublin and Cork in the
final quarter of 2006. There were also price increases in the second-hand housing
market during 2006, but price falls were recorded nationally in the final quarter.
In quarter 4 2006, the average price of all new homes (including apartments)
nationally was €313,087, an increase of 9% compared with the corresponding quarter
in 2005. The average price of a second-hand house was €375,577, an increase of 6.8%
over the same period. The average price for a new house in Dublin was €419,330 in
quarter 4 2006, an increase of 16.1% compared with the corresponding quarter in
2005. The average price of a second-hand house in Dublin was €517,865, an increase
of 8.9% over the same period.
15
House Type
Average Price Q4 2006/Q4 2005 Average Price Year on Year
Q4 2006/Q4 2005 % Change
Year 2006*
Change %
New:
Nationally
Dublin
€313,087
€419,330
9%
16.1%
€305,637
€405,957
10.6%
15.7%
€375,577
€517,865
6.8%
8.9%
€371,447
€512,461
12.4%
16.8%
Second hand:
Nationally
Dublin
* These values are not adjusted for changes in the mix of dwellings being approved
for sale in any given period.
Prices are shown for the whole country, and the five main urban areas (Cork, Dublin,
Limerick, Waterford, and Galway). (Pages 45 to 52).
New House Prices
25.0%
20.0%
15.0%
10.0%
5.0%
0.0%
-5.0%
National
Dublin
Affordability
The Department maintains an index of housing affordability measured by reference
to the costs of servicing a mortgage.
Due to trends in family and work situations, with the steady increase in female
participation in the workforce in the last few years, it is relevant to examine trends in
16
affordability for two-earner (married) households5. The index assumes a loan period
of 20 years, as this has been the traditional loan period. The availability of longerterm loans has meant that first-time buyers have been able to make lower monthly
repayments but this has increased their overall cost of borrowing in the long run.
The affordability ratio indicates that there has been a decrease in affordability since
1994. In 2006, the mortgage outgoings of a two income household represents about
31% of their disposable income, compared to 22% in 1995 and 29% in the early
nineties on a national basis. In recognition of this, the Minister for Finance in his 2006
Budget doubled the amount of mortgage relief available.
%
35
33
31
29
27
25
23
21
19
17
15
Mortgage repayments as % of net income (2 earners)
1988 1990 1992 1994 1996 1998 2000 2002 2004 2006
Section 3 - Housing Loans
Information supplied by the lending institutions indicates that over 111,000 housing
loans were paid out in 2006 for the house purchase purposes. Of these, almost 56,000
were for the acquisition of new houses (including apartments). A comparison of the
number of new private house completions with the number of new loans paid out
suggests that about 63% were funded by a mortgage in 2006. Details of the number
and value of loans approved and paid out since 2002 are set out in pages 54 to 55.
These data demonstrate the extent of growth in lending, with the value of loans paid
and approved in 2006 50% higher than in 2004, while the volume of lending grew by
13%. The rate of growth in lending peaked at 39% in the first quarter 2006, reducing
to 7% in the fourth quarter. There was a clear decline in loan approvals from the third
quarter of 2006, which in turn has been reflected in a fall in actual lending especially
from quarter 4 2006.
5
This index is based on assumptions contained in the Bacon report and is based on a two earner household
– one person earning the average non-industrial wage and the other earning the average industrial wage.
The 2006 mortgage outgoings are based on a 20-year mortgage, 4.2% interest rate and an average national
house price of €306,000.
17
2006
Numbers
Annual increase
Value
of Loans
in numbers of loans
million
New
53, 895
-7.2%
€13,995m
Second Hand
60,698
-2%
€17,388m
New
55,737
3.7%
€11,001m
Second Hand
55,516
3%
€14,494m
Approved
Paid
Indicative data from a large sample of mortgages indicate that 63% of mortgages paid
out in the whole country were for less than €250,000.
Section 4 - Profile of Borrowers
Data from the House Price Statistics System (HPSS)6, is now used to present statistics
relating to the borrower price. This replaces the previous voluntary sample survey
based only on loans paid. These data are therefore more comprehensive and provide
useful indicative statistics in relation to borrowers, including: ranges of loans paid
and gross incomes, loan to value ratios, loan terms and average ages. These data also
provide an indication of the purpose for which a dwelling is being acquired. For
instance, in 2006 some 80% of new house mortgages were for the purchase of a home,
while less than 20% were for investment properties and only 1% bought as second or
holiday home.
Table: Purpose of Loan Approval - 2006
Principal Residence
Investment
Holiday Home
New houses
Second hand houses
80%
19%
1%
78%
20%
1%
First-Time Buyers
6
The House Price Statistics System (HPSS) has been developed through the support of the mortgage
lending institutions. It has a two-fold purpose, firstly to provide data for the calculation of alternative
house price indices, (still under development) and secondly to provide a wider analysis of borrowers, in
particular on first-time buyers, which has not been possible from previous sample surveys. The analysis
in this bulletin is based on returns covering over 110,000 mortgage transactions.
18
Data supplied by the financial institutions on mortgages paid in the year show that
first-time buyers continue to remain a significant force in the housing market in 2006.
It is estimated that 47% of all new house purchase loans were by first-time buyers.
(Table on page 60)
The general profile of the first-time buyer in 2006 was as follows:
•
On average, the first-time buyer was aged 30 (with 60% of all first-time buyers
aged under 30);
•
A significant proportion of mortgages taken out by first-time buyers were 100%
loan to value (36% nationally and 32% in Dublin);
•
The most frequent mortgage terms were in the range 31-35 years, accounting for
58% of first-time buyer loans nationally, and 66% in Dublin. Only 15% of these
loans were for 25 years or less. 55% of first-time buyers borrowed jointly with
45% being sole borrowers;
•
The majority of first-time buyers pay on average 13% less than the average price
for a new house, with two-thirds of houses nationally (one-third in Dublin)
being under €300,000.
Some of these data, for the year 2006, are presented in the following tables (all refer
to first-time buyers):
Table: Age range of First-Time Buyer
National
Dublin
Up to age 25
26 to 30
31 to 35
19%
17%
40%
41%
23%
25%
36 to 40
10%
10%
41 +
8%
7%
Table: Range of Average Loan to Value ratios by First -Time Buyers
Up to 70% 71% to 80% 81% to 90% 91% to 95% 96% +98% 100%
National
Dublin
14%
9%
6%
6%
11%
13%
28%
32%
5%
8%
36%
32%
Table: Range of Average Loan Terms for First -Time Buyers
National
Dublin
Up to 20 yrs
21 to 25
26 to 30
31 to 35
36 +
5%
3%
10%
6%
24%
21%
58%
66%
3%
4%
19
Table: Range of average houses price (new and second hand) purchased by
First –Time Buyers
Up to €1150K €1150K to
€2200K
National
Dublin
5%
1%
19%
5%
€2200K to €2250K to
€2250K
€3300K
22%
21%
8%
20%
€3300K to
€3350K
16%
28%
€3350K +
17%
38%
Table: Average house loan taken out by First –Time Buyers
National
Dublin
Up to €1150K
€1150K to
€2200K
€2200K to
€2250K
€2250K to
€3300K
Over €3300K
14%
10%
24%
9%
23%
14%
19%
20%
20%
47%
Table: Percentage Joint or Single buyers
Joint purchasers
Single purchasers
55%
45%
With effect from 2nd December 2004, Section 126 of the Finance Act 2005 introduced
a relief from stamp duty for first-time buyers of second hand residential properties
under €317,501 (previously €190,501) and a reduction in the stamp duty rates for
such properties up to €635,000. Indicative evidence suggests that this had the effect
of increasing the participation of first-time buyers in the second hand market to 30%
in 2005, from an average of 26% a year earlier. (Table on page 60)
Section 5 - Housing Support
It is recognised that even at a high level of supply, the market will not address the full
spectrum of housing needs. Specific measures are required to aid households who
cannot afford to meet their own housing needs. Local authorities have a broad and
important role in responding to these needs. This involves both direct provision and
enabling needs to be met through interaction with both the voluntary and cooperative housing and private housing sector.
The nature of support varies, ranging from those with little support can be assisted
on paths to home ownership through to households facing a range of difficulties,
which require multiple interventions.
20
SPECTRUM OF HOUSING SUPPORT
SPECIAL
HOUSING
OPTIONS
HOUSING
ADVICE
PATHWAYS
TO HOME
OWNERSHIP
SPECIAL
HOUSING
SUPPORTS
Support is provided through a range of options, namely:•
Paths to Home Ownership:
-
•
Social rented accommodation:
-
•
Affordable housing – purchase of house at discounted price;
Shared ownership – purchase of a home through purchase of initial stake
and the balance is rented from the housing authority;
Tenant purchase of local authority dwellings at discounted prices.
Housing provided at a rent related to income.
Housing support for those with special accommodation needs:
-
Homeless accommodation and supports;
Traveller-specific accommodation;
Grants to adapt housing for the needs of older people and people with
disability;
Schemes to exchange private housing for sheltered accommodation for
older people;
Sheltered accommodation for older people;
Sheltered accommodation for people with a disability;
Adapted social housing for people with special needs.
In 2006, total exchequer and non-exchequer funding of these housing measures
amounted to some €1.7 billion which is almost four times that provided in 1997 and
represented an increase of 4.5% on the 2005 out-turn.
21
To ensure maximum output from multi-annual capital expenditure on social and
affordable housing measures over the coming years through a coherent and coordinated response across all housing services, the five-year Action Plans referred to
in Part 1 were introduced. In preparing these plans, local authorities had to assess
their social and affordable housing needs taking account of their existing housing
stock. The resultant plans set out their proposed response to these needs for 20042008 across the range of housing programmes including local authority housing
construction, regeneration and remedial works, voluntary housing, traveller
accommodation, housing needs of older persons and people with disabilities,
homelessness, affordable housing, and management and maintenance of the stock.
As a result of this investment, the housing needs of 14,686 households were met in
2006. The table on page 23 provides a breakdown of the numbers of households
assisted in 2006 under various social and affordable measures. A local authority
breakdown of the 2006 total provision is set out in the tables on pages 61 to 64 in
Appendix I (Background details of each measure are provided in the Appendix II)
The level of provision in 2006 was 70% higher than the level of provision in 2000.
Local authority housing starts and completions were particularly strong, but the
activity by the voluntary and co-operative sector less than anticipated due to delays
encountered with a number of projects. There was a high level of social housing units
in progress by both the local authority and voluntary and co-operative housing sector
at the end of 2006, and with anticipated growth in affordable housing, this augurs
well for a growth in the number of households benefiting from social and affordable
housing in the coming years.
In addition, by the end of 2006 local authorities had transferred some 5,052
households from rent supplement under the Rental Accommodation Scheme (RAS).
22
Overview of Social and Affordable housing provision 2006
Social Housing:
Local Authority Houses
• Completions & Acquired (including Part V)
• Regeneration (new units)
• RAS new units
4,892
229
1327
Total Local Authority provision
5,253
Voluntary & Co-operative Houses
• Capital Assistance
• Capital Loan & Subsidy
• Part V
Total Voluntary & Co-op provision
Other Social Housing measures
• Vacancies in existing stock
• Improvement works in lieu of rehousing
• Extensions to local authority houses
• Tenants transferring to RAS under
arrangements with their existing landlords
• Traveller Accommodation new units
• Traveller Accommodation refurbished units
709
441
90
1,240
3,509
114
226
696
101
110
Total Other Social Housing measures
4,756
Total number of households assisted
through Social Housing measures
11,249
Affordable Housing:
• Shared Ownership
• 1999 Affordable Housing
• Part V Affordable Housing, including AHI
372
743
2,101
Total number of households assisted
though Affordable Housing measures
3,216
Mortgage Allowance8
Total provision of all Social and Affordable Housing
measures
7
Numbers
221
14,686
A total of 405 extra units were acquired during 2006 for RAS, of which 132 were occupied by end
December 2006.
8
This excludes 73 households who surrendered local authority houses in 2006 to acquire affordable scheme
houses, as these are counted in the appropriate affordable housing scheme.
23
The Department and local authorities are assisted in their delivery of these housing
services through a number of support agencies:
Housing Finance Agency
The Housing Finance Agency continued in 2005 to make an important contribution
to the delivery of social housing programmes, with loan advances of €580 million
(increase of 17% on 2004). (www.hfa.ie)
National Building Agency
The National Building Agency continues to play an important role in contributing
to the objective of increased social housing through the local authority, voluntary
and affordable housing programmes. The agency provides consultancy services to
local authorities in the provision of social and affordable housing. (www.nba.ie)
Centre for Housing Research
Financial assistance was also provided to support the work of the Centre for
Housing Research (formerly the Housing Unit). This is a joint initiative between the
Department of the Environment, Heritage and Local Government and Local
Government and local authorities. The overall purpose of the Centre is to facilitate
the improved management of the public and social housing sector. It operates under
the aegis of the Institute of Public Administration. (www.housingunit.ie)
Affordable Homes Partnership
The Affordable Homes Partnership was established by the Government in 2005 to
accelerate the delivery of affordable housing in the Greater Dublin area, where the
problems are the most acute. (www.affordablehome.ie)
24
Section 6 - Paths to home ownership including Part V Activity
Affordable housing is provided under various schemes, including the Shared
Ownership Scheme; 1999 Affordable Housing Scheme; Part V of the Planning
Development Acts 2000 – 2006; and under the Affordable Housing initiative (AHI) as
provided in Sustaining Progress Partnership Agreement.
Affordable Housing:
• Shared Ownership
• 1999 Affordable Housing
• Part V Affordable Housing, including AHI
372
743
2,101
Total number of households assisted though
Affordable Housing measures
3,216
Mortgage Allowance
221
9
Part V of the Planning and Development Acts 2000 – 2006
Background
Part V is one of the measures included in the consolidation and reform of the
planning law contained in the Planning and Development Act 2000. Part V requires,
inter alia, that up to 20% of land zoned for residential developments or for a mix of
residential and other uses, is to be reserved to meet social and affordable housing
needs and be made available to the local authority at the existing use value rather
than development value. It also assists with social integration by ensuring that there
is a proper mix of tenures in new residential developments.
Exemptions
Part V only applies to housing developments on land zoned residential or a mixture
of residential and other uses. In addition, certain types of residential developments
are completely exempt from the requirement to comply with Part V. These are:•
•
•
Developments of social housing for letting by an approved housing body;
Conversion of buildings to housing, where at least 50% of the external part of
the building is being retained;
The carrying out of works to an existing house;
9
In addition 221 households were assisted through the mortgage allowance scheme (this excludes 73
households who surrendered local authority houses in 2006 to acquire affordable scheme houses)
25
In addition Section 97 of the Act enables an applicant to apply for an exemption
certificate before they apply for a planning permission in the following
circumstances:•
•
The development consists of the provision of 4 or fewer housing units; or,
Any number of units on land, the area of which is 0.1 hectares or less.
Output
Output of Part V housing has now gathered momentum as planning permissions
which predated the Planning and Development Acts 2000 - 2006 (and thus did not
have a Part V requirement) have been built out. In 2006, a total of 2,198 housing units,
namely 598 social and 1,600 affordable, were acquired under Part V agreements with
developers. To date nearly 4,400 homes have been delivered under Part V, with
annual delivery expected to increase in the coming years. In addition, 3,845 social and
affordable units were under construction at the end of 2006 and a further 3,392 units
were proposed on foot of agreements with developers. Output for each local
authority is set out on page 65.
In 2006, 13 land transfers to local authorities have also been completed involving
16.34 hectares; a further 84 partially or fully serviced sites have been transferred to
local authorities and voluntary housing bodies; and €38.9 million has been received
in payments in lieu and under the withering levy. It is clear from the returns that
there has been activity in all of the city and county councils under at least one of the
options available for complying with Part V.
Social Housing
2002
2003
2004
2005
2006
• Local Authority
• Voluntary and Cooperative Housing sector
-
75
135
203
508
-
-
82
206
90
Total Social Housing
-
75
217
409
598
Affordable Housing
46
88
374
962
1,600
Total Social and Affordable
46
163
591
1,371
2,198
-
2
50
10
106
26
57
13
84
-
€0.8m
€0.3m
€7.4m
€2.4m
€16.5m
€3.0m
€35.4m
€3.5m
Land Transfers
Sites
Financial Contribution
26
• In lieu of housing
• S96 (b) withering levy
The Department provisionally estimates that about 3,000 units will arise from Part V
activity in 2007. It is envisaged that some 9,500 - 10,000 social and affordable units will
be delivered under Part V between 2007 and 2009. Additionally, payments in lieu,
which are ring fenced for housing capital purposes only, together with land and sites
accruing from the take up of the alternative options will further supplement the
overall provision of social and affordable housing
Shared Ownership Scheme
A total of 7,385 households have benefited under the Shared Ownership Scheme in
the six years 2000 to 2006. 372 households benefited in 2006. 1,262 transactions were
approved in principle in 2006 with a further 3,202 applications received in that year.
Key data regarding the scheme in 2006 would indicate that
•
•
•
•
•
43% of beneficiaries had an annual income of €25,500 or less;
69% of beneficiaries were in a income bracket which made them eligible for rent
subsidy;
9% of beneficiaries were on local authority housing waiting lists;
54% of the houses purchased through shared ownership were priced at less than
€185,000;
44% of the houses purchased using the scheme in 2006 were second-hand.
Output data for each local authority are set out at Pages 66 to 67.
Affordable Housing (1999) Scheme
The 1999 Affordable Housing Scheme involves local authorities providing newly
built houses at a discounted price on their own lands and allows the purchaser to
benefit from a loan of up to 97% of the house price. Since the launch of the 1999
Affordable Housing Scheme in the year 1999, 5,264 units have been provided. 743 of
these were provided in 2006. At the end of 2006 there were 1,522 houses in progress
and 3,685 new units proposed. Key data in relation to beneficiaries would indicate
that:
•
•
•
•
47% of beneficiaries had an annual income of €25,500 or less;
29% were eligible for mortgage subsidy;
17% of beneficiaries were on local authority housing waiting lists;
94% of the houses purchased through the (1999) scheme were priced at less than
€185,000
Output data for each local authority are set out at Pages 66 and 68.
27
Affordable Housing Initiative (AHI)
Substantial progress has been made towards meeting the target of 10,000 Affordable
Housing Initiative units as outlined in Sustaining Progress. This Initiative is aimed at
those who in the past would have expected to purchase a house from their own
resources but find they are unable to do so in the current housing market. Over 70
sites have been identified on State or local authority owned lands.
By the end of 2006, 3,695 units had been provided under the Initiative, including
affordable housing made available through Part V arrangements. A further 7,920
units were either in progress or planned at the end of 2006.
Mortgage Allowance
The Mortgage Allowance Scheme was introduced in 1991 to assist tenants or tenant
purchasers of local authority houses who surrender their property to the local
authority to become owner-occupiers of other dwellings. Eligibility was extended in
1995 to tenants of dwellings provided by approved voluntary housing bodies under
the rental subsidy scheme, who return their accommodation to the body, thus making
it available for re-letting. The current rate of the allowance is €11,450.
In 2006, 294 new households benefited from this scheme. Some 73 of these households
moved from local authority housing to affordable scheme housing. Details of
transactions broken down by local authority are at page 69.
Tenant Purchase Scheme
1,855 dwellings were purchased under the Tenant Purchase Scheme in 2006; 4,081
applications to purchase were made and 3,030 sales were approved (Page 70 for
breakdown by local authority). The level of purchases under this scheme is subject to
fluctuation from year to year as the chart below indicates.
Sale of Local Authority Houses
- Tenant Purchase
2,200
1,700
1,200
700
200
28
0
2000
2001
2002
2003
2004
2005
2006
Summary of output under affordable housing schemes
Over 16,300 affordable houses have been acquired under the various schemes
between 2000 and 2006.
Sale of Affordable Housing
2000 - 2006
4,000
3,500
3,000
2,500
2,000
1,500
1,000
500
0
2000
Shared Ownership
2001
2002
2003
Affordable Housing (1999)
2004
Part V - Affordable
2005
2006
Total Affordable
Section 7 – Social Housing Supports
Summary
Just under 7,700 new units of social rented accommodation were commenced or
acquired in 2006 (excluding new units of regeneration). This was 11% increase on
2005.
Social Housing
•
•
•
Starts
Completions
In progress
at end 2006
Local Authority social rented
accommodation including Part V
5,677
4,892
8,332
Voluntary and Co-operative
Housing
1,575
1,240
2,330
405
405
-
7,657
6,537
10,662
Rental Accommodation Scheme
(new supply)
Total social rented accommodation
(new supply)
Taking all measures into account, some 11,000 households in need of social housing
support had their needs met during 2006. Further details on the various programmes
follows.
29
Local Authority Social Rented accommodation
The number of new housing units completed and acquired under the main local
authority housing construction and various regeneration programmes in 2006 was
5,121 units. This includes 508 units acquired under Part V arrangements.
Local Authority Housing
2000
2001
2002
2003
2004
2005
2006
Completions & Acquired
3,207
4,964
4,754
4,558
4,239
4,532
4,384
Part V
-
-
-
75
135
203
508
Regeneration (new units)
-
58
320
339
136
392
229
3,207
5,022
5,074
4,972
4,510
5,127
5,121
Total Local Authority
Social Housing
4,603 units of housing were started in 2006 and construction work was in progress at
the end of the year on 9,052 units – up 7% on the previous year (breakdown of 2006
output by local authority is available at pages 71 to 72).
Total expenditure on the main local authority housing and regeneration/remedial
works programmes in 2006, which excluded expenditure by local authorities from
their internal receipts, was over €1 billion.
First Time lettings by Local Authorities
In 2006, 3,905 of the new housing units were let for the first-time. Together with 3,509
re-lettings from vacancies in existing housing stock, this meant that a total of 7,414
were let in 2006.(pages 74 to 75 for breakdown by local authority)
Improvement works in lieu of re-housing and extensions to local authority houses.
Through improvement works in lieu of re-housing and extensions added to local
authority houses, a further 340 households had their housing needs addressed in 2006
(page 73 for breakdown by local authority). Over €20 million was spent on these
schemes in 2006.
30
Other Local Authority Housing
measures
2000
2001
2002
2003
2004
2005
2006
Vacancies in existing stock
Improvement works in lieu
Extensions to LA houses
Traveller Accommodation10
Rental Accommodtion
(households transferred)
2,854
123
153
176
3,004
108
187
187
3,122
164
199
214
3,795
151
203
228
3445
140
178
192
3,490
121
194
162
3,509
114
226
211
-
-
-
-
-
5
828
Total
3,306
3,486
3,699
4,377
3,955
3,972
4,888
Total number of households
assisted through Local
Authority Social Housing
measures
6,513
8,508
8,773
9,349
8,465
9,099
10,009
Stock maintenance and management.
Latest available data on the number of social housing units are for the year 2006, and
indicate that 111,350 social housing units were let by local authorities in that year.
The average weekly rent was €42.14 (Page 76 for further details)
The Department continued to fund major redevelopment and regeneration
programmes to improve the living environment of existing social housing tenants. In
2006, some 600 units benefited from some form of refurbishment, and new units (over
200) were constructed as part of regeneration schemes. This includes regeneration
and remedial works with demolitions in Ballymun, which is among the biggest urban
regeneration projects underway in Europe. A further 720 new regeneration units
were in progress at the end of December 2006.
In addition, some 5,500 households were assisted in 2006 through a new scheme
introduced in 2004 to provide central heating to local authority tenants. It is
estimated that 20,000 units of local authorities are without central heating and it is
intended to complete the programme of installation over the next few years.
Voluntary and Co-operative Housing Sector
The voluntary and co-operative housing sector provides social rental accommodation
for general family type needs and special needs housing for categories of persons
such as people with a disability, older people and homeless people.
10
Details in Section 8
31
The provision of social housing by the sector is funded under two separate schemes.
The Capital Assistance Scheme generally caters for special needs housing, while the
Capital Loan and Subsidy Scheme tends to be used to provide more family type
accommodation. To qualify for funding, a voluntary or co-operative housing body
must in the first instance obtain approved status from the Department. Approved
bodies work in partnership with the relevant local authority in providing social rental
accommodation.
Capital Assistance and Loan Subsidy Schemes
The number of units provided by voluntary and co-operative housing sector with
capital assistance from the Department under the Capital Assistance Scheme and
Loan Subsidy Scheme, in 2006, was 1,240 units. This included 90 units acquired
through Part V arrangements. Work was in progress on 2,330 units of
accommodation at the end of 2006 and a further 1,575 units were started (Page 78 for
breakdown by local authority area). Expenditure on the voluntary and co-operative
housing programme amounted to €183 million in 2006.
Voluntary & Co-operative
Houses
2000
2001
2002
2003
2004
2005
2006
• Capital Assistance
484
554
699
1,018
626
621
709
• Capital Loan & Subsidy
467
699
661
599
899
523
441
-
-
-
-
82
206
90
951
1,253
1,360
1,617
1,607
1,350
1,240
• Part V
Total Voluntary & Co-operative
Housing
Voluntary and Co-operative housing stock
There are currently around 21,000 units of accommodation owned and managed by
the voluntary and co-operative housing sector.
Low cost housing sites
A total of 131 sites were made available under this scheme in 2006. The scheme is
generally targeted at households who would otherwise benefit from social housing
measures, and is also used by voluntary and co-operative housing bodies providing
houses under the Capital Assistance or Capital Loan and Subsidy Schemes. The
32
extent to which low cost sites can be made available by local authorities is limited by
the demands of their own building programme requirements.
Rental Accommodation Scheme
The Rental Accommodation Scheme (RAS) is designed to cater for the
accommodation needs of persons in receipt of rent supplement who have a long-term
housing need. By the end of 2006 all local authorities were actively implementing
RAS. Since transfers commenced in September 2005, 5,052 former rent supplement
households have been provided with accommodation through RAS:
•
•
•
2,005 in voluntary accommodation;
833 in private-rented accommodation and
a further 2,214 households have been allocated local authority housing.
It is anticipated that approximately 10,000 households will have transferred through
RAS by the end of 2007. (A breakdown by local authority is available on page 79)
Arrangements are also in hand to procure additional units for RAS purposes under
the social partnership agreement, Towards 2016. 1,000 units will be supplied on a longterm basis for RAS by the end of 2009. In addition up to 1,000 units may be procured
under long-term PPP contracts over the period to 2009. 405 properties had been
secured under long-term leases by local authorities in 2006.
Special Needs Housing
As part of their social rented accommodation programme both local authorities and
the voluntary and co-operative housing sector are involved in responding to special
housing needs, delivering accommodation for the homeless, older people and people
with a disability. There are also specific funding programmes for the provision of
Traveller accommodation and to adapt private housing for the needs of older people
and people with a disability. Output under these schemes is detailed in sections 8 and
9.
Section 8 - Traveller Accommodation
In 2006, the Department continued to monitor the implementation of the 2005 to 2008
Traveller accommodation programmes. Capital expenditure of €35.5 million was
incurred on the provision of Traveller specific accommodation (group housing and
halting sites). In addition, current expenditure of €6.5 million was incurred in respect
of 90% of the salaries and travelling expenses of social workers employed by local
authorities and voluntary bodies in relation to the accommodation of Travellers, and
a percentage of the costs relating to the management and maintenance of halting sites.
33
In 2006 there was 211 units of Traveller specific accommodation provided,
comprising:
•
136 Halting Site Bays (new and refurbished)
•
63 Group Housing Units (new and refurbished)
•
12 Single Instance purchases
These figures do not include families accommodated in standard local authority
accommodation, or in other options, such as private rented accommodation.
In addition to funding for Traveller specific units, funding is also provided for:
•
Recoupment to local authorities of 50% of the cost of providing caravans to
Travellers in emergency cases. (In exceptional cases 100% funding has been
provided for special needs caravans or mobile homes);
•
Recoupment to local authorities of a special grant of €3,810 payable to
Travellers for the first time purchase of a house;
•
Recoupment to local authorities of a special grant of 10% of the cost up to a
maximum of €640 to a Traveller family who are purchasing a caravan for the
first time.
The Department will continue to encourage and assist local authorities in the
development and implementation of their Traveller accommodation programmes
and ensure that this expenditure results in Traveller specific accommodation of the
highest standard
Section 9 - Disabled Persons and Essential Repairs Grants
The Disabled Persons and Essential Repairs Grant schemes enable people in
accommodation which cannot be made fit in all respects at a reasonable cost to have
basic repairs carried out to their houses so that they can continue to provide an
acceptable standard of accommodation for the occupants. 8,590 grants valued at
€76.2 million, were made by local authorities in respect of Disabled Persons Grants
and Essential Repairs Grants in 2006. This is similar to the numbers assisted in the
previous year. (See pages 84 to 85 for further details).
34
Task Force on Special Housing Aid for the Elderly
A Task Force for the Elderly was set up in 1982 under the aegis of the Department, to
undertake an emergency programme to improve the housing conditions of older
persons living alone in unfit or unsanitary accommodation.
At local level the scheme is operated by the Community Care sections of the Health
Service Executive, which is responsible for determining the eligibility of applicants
and in having the necessary works carried out. Typically, aid is available for
necessary repairs to make a dwelling habitable for the lifetime of the occupant.
In 2006 over €17 million was made available for the operation of the scheme and
some 5,135 households were aided.
Review of Disabled Persons Grants, Essential Repairs Grants and the Special
Housing Aid for the Elderly Scheme
A review of the Disabled Persons Grant scheme, which also incorporated the
conditions governing the Essential Repairs Grant and the Special Housing Aid for the
Elderly scheme, was recently completed. A revised framework of grant aid will be
introduced in order to provide a more seamless set of responses to the housing needs
of older people and people with disabilities.
A Housing Adaptation Grant Scheme will be introduced to assist in the
provision/adaptation of accommodation to meet the needs of people with a
disability. A Mobility Aids Grant Scheme will fast track limited grant aid to primarily
address the mobility problems associated with ageing. A scheme of Housing Aid for
Older People, amalgamating the provisions of the Essential Repairs Grant and Special
Housing Aid for the Elderly Scheme, will assist in making habitable the homes of
older people living in unfit or unsanitary conditions.
The revised schemes are designed to ensure that available funding is targeted at
lower income households and those whose accommodation needs are greatest. The
new schemes, which come into operation in 2007, will involve a more streamlined
operation in order to ensure the most efficient and cost-effective outcomes from the
funding available.
Section 10 – Private Rented Housing
Under the Residential Tenancies Act 2004, the Private Residential Tenancies Board
(PRTB) is responsible for tenancy registration (other functions include dispute
resolution and the provision of information, research and policy advice).
35
Data on the number of tenancies registered with the PRTB on 31 December 2006 are
produced on page 87. The level of registration has increased significantly since this
function was transferred to the PRTB in 2004 and was further boosted by a provision
in the Finance Act, 2006 linking certain landlord tax reliefs to registration.
Local authorities continue to be responsible for the enforcement of the standards and
rent book regulations and receive income for this purpose from registration fees
collected by the PRTB. Payments to local authorities in respect of 2006 were calculated
on a basis that takes into account their level of inspection activity in order to
encourage more proactive enforcement activity.
The level of local authority inspections improved considerably in the year ending 31
December 2006. This reflects activity in connection with the RAS scheme and also the
launch in September 2006 of an Action Programme to promote improvement in rental
accommodation standards, including increased enforcement and review of the
Standards Regulations. The rate of compliance with the Regulations also improved
substantially, reflecting a general increase in the level of new private rented housing
stock available.
The relatively high level of accommodation found to be non-compliant with the
Regulations in the larger urban areas reflects the higher concentration of older
properties in these areas. Many of the inspections of these properties were carried out
following the receipt of complaints by the authorities, which would help to explain
the higher levels of non-compliance recorded in these areas.
Further significant improvements are expected in the number of inspections carried
out by authorities in 2007 and increased funding specifically linked to on-the-ground
enforcement activity will be provided for this purpose.
Enforcement details are on page 86.
Section 11 – Capital Investment in Housing
Details of the amount of capital expenditure invested in housing are contained in
section 11. The value added contributed by housing construction is estimated to have
amounted to nearly €20 billion in 2006, contributing 13% of Ireland’s gross national
product.
36
Appendix I: Statistical Tables
Section 1:
Housing Activity
HOUSE COMPLETIONS BY SECTOR
Period
Social Housing
Local Authority
Voluntary & Co-operative
Houses
Houses
Private Houses
Total
2002
2003
2004
2005
2006
4,403
4,516
3,539
4,209
3,968
1,360
1,617
1,607
1,350
1,240
51,932
62,686
71,808
75,398
88,211
57,695
68,819
76,954
80,957
93,419
2005
Q1
Q2
Q3
Q4
548
828
940
1,893
327
221
343
459
{33,383
{35,307
17,804
24,211
19,087
26,563
2006
Q1
Q2
Q3
Q4
(r) 570
(r) 956
(r) 870
1,572
184
416
333
307
(r) 21,140
(r) 20,633
(r) 21,368
25,070
21,894
22,005
22,571
26,949
Annual Percentage Change
2003
2004
2005
2006
2.6%
-21.6%
18.9%
-5.7%
18.9%
-0.6%
-16.0%
-8.1%
20.7%
14.6%
5.0%
17.0%
19.3%
11.8%
5.2%
15.4%
2006
Q1
Q2
Q3
Q4
4.0%
15.5%
-7.4%
-17.0%
-43.7%
88.2%
-2.9%
-33.1%
n/a
n/a
20.0%
3.5%
n/a
n/a
18.3%
1.5%
Notes:-
(a)
Total house completions are based on the number of ESB domestic connections.
These figures do not take account of the work in progress in housing construction.
Due to circumstances beyond the Department's control it has not been possible to
obtain a separate set of figures for the first two quarters of 2005.
(b)
Local authority house completions do not include second-hand houses acquired by
them. New units acquired under Part V of the Planning & Development Acts 20002006 for local authority rental purposes are included.
(c)
Voluntary & Co-operative houses consist of housing provided under the capital loan
and subsidy and capital assistance schemes.
37
Section 1: Housing Activity
HOUSE COMPLETIONS BY AREA 2006
County Councils
(including Borough
& Town Councils)
Social Housing
Local Authority
Voluntary & Co-operative
Total
Carlow
Cavan
Clare
16
117
96
0
16
30
1,305
2,556
2,601
1,321
2,689
2,727
Cork County
Cork City Council
Cork Total
90
187
277
66
96
162
7,920
782
8,702
8,076
1,065
9,141
Donegal
215
0
4,172
4,387
33
143
428
436
1,040
35
145
149
87
416
2,404
5,575
2,812
7,223
18,014
2,472
5,863
3,389
7,746
19,470
Galway County
Galway City Coucil
Galway Total
79
70
149
37
7
44
4,396
1,198
5,594
4,512
1,275
5,787
Kerry
Kildare
Kilkenny
Laois
Leitrim
218
172
62
51
47
14
110
8
89
41
3,721
4,522
1,699
2,104
1,457
3,953
4,804
1,769
2,244
1,545
Limerick County
Limerick City
Limerick Total
107
19
126
25
9
34
2,492
361
2,853
2,624
389
3,013
Longford
Louth
Mayo
Meath
Monaghan
Offaly
Roscommon
Sligo
61
127
70
82
151
54
195
74
5
15
9
0
101
0
0
0
1,262
2,109
3,000
3,664
1,154
1,540
1,989
2,090
1,328
2,251
3,079
3,746
1,406
1,594
2,184
2,164
North Tipperary
South Tipperary
Tipperary Total
67
39
106
10
86
96
1,349
1,465
2,814
1,426
1,590
3,016
Waterford County
Waterford City Council
Waterford Total
108
64
172
26
8
34
1,377
756
2,133
1,511
828
2,339
Westmeath
Wexford
Wicklow
37
127
126
1
0
15
1,666
3,264
1,826
1,704
3,391
1,967
400
400
88,211
93,419
D/Laoghaire-Rathdown
Fingal
South Dublin
Dublin City Council
Dublin Total
Conversions
TOTALS
Notes:-
3,968
(a)
(b)
(c)
(d)
38
Private
1,240
Total house completions are based on the number of new dwellings connected by the ESB
to the electricity supply and may not accord precisely with local authority boundaries.
Local Authority includes new build under regeneration projects for Cork and Dublin City
Councils.
L. A. includes units acquired under Part V, Planning & Development Acts, 2000-2006 for
local authority rental purposes.
Voluntary & co-operative housing consists of housing provided under the capital loan
and subsidy and capital assistance schemes.
Section 1: Housing Activity
TOTAL & PRIVATE HOUSE COMPLETIONS - BY AREA
County Councils
(including Borough
and Town Councils)
Total House Completions
Private House Completions
2002
2003
2004
2005
2006
2002
2003
2004
2005
3006
Carlow
Cavan
Clare
695
1,163
1,466
897
1,154
1,679
1,152
1,707
1,831
1,200
2,129
2,174
1,321
2,689
2,727
683
953
1,413
782
1,004
1,571
1,098
1,511
1,787
1,122
2,069
2,023
1,305
2,556
2,601
Cork County
Cork City Council
Cork Total
4,754
812
5,566
6,325
1,053
7,378
5,912
2,364
8,276
7,158
1,684
8,842
8,076
1,065
9,141
4,440
570
5,010
5,980
914
6,894
5,657
2,192
7,849
6,971
1,393
8,364
7,920
782
8,702
Donegal
2,765
3,120
2,812
3,667
4,387
2,160
2,848
2,521
3,311
4,172
D/Laoghaire-Rathdown 785
Fingal
4,308
South Dublin
3,406
Dublin City Council
4,124
Dublin Total
12,623
1,871
7,019
2,134
3,370
14,394
1,777
7,734
2,769
4,530
16,810
1,867
5,672
3,456
7,024
18,019
2,472
5,863
3,389
7,746
19,470
703
4,155
3,293
3,280
11,431
1,662
6,744
2,042
2,518
12,966
1,599
7,401
2,469
4,037
15,506
1,804 2,404
5,556 5,575
3,125 2,812
6,110 7,223
16,595 18,014
Galway County
Galway City Council
Galway Total
2,265
1,496
3,761
3,170
2,305
5,475
3,392
1,549
4,941
3,537
1,126
4,663
4,512
1,275
5,787
2,075
1,407
3,482
3,042
1,927
4,969
3,199
1,465
4,664
3,347
1,060
4,407
4,396
1,198
5,594
Kerry
Kildare
Kilkenny
Laois
Leitrim
1,838
3,126
1,119
862
691
2,667
2,971
1,183
1,031
708
2,742
3,479
1,384
1,626
844
3,183
3,584
1,374
1,802
860
3,953
4,804
1,769
2,244
1,545
1,623
2,934
1,088
808
612
2,403
2,824
1,102
903
678
2,603
3,295
1,324
1,363
764
2,914
3,370
1,262
1,640
840
3,721
4,522
1,699
2,104
1,457
Limerick County
Limerick City Council
Limerick Total
1,452
766
2,218
1,835
1,150
2,985
1,782
1,324
3,106
2,182
961
3,143
2,624
389
3,013
1,269
718
1,987
1,647
1,131
2,778
1,669
1,291
2,960
2,025
881
2,906
2,492
361
2,853
Longford
Louth
Mayo
Meath
Monaghan
Offaly
Roscommon
Sligo
735
1,923
1,694
2,924
611
853
740
755
659
2,288
2,022
3,687
660
1,308
890
1,065
909
2,328
2,235
3,550
727
1,516
1,170
1,312
973
2,195
2,401
3,886
953
1,202
1,316
1,164
1,328
2,251
3,079
3,746
1,406
1,594
2,184
2,164
620
1,743
1,660
2,696
558
737
650
675
500
2,011
1,942
3,519
588
1,101
773
953
864
2,113
2,115
3,440
666
1,440
1,135
1,143
847
1,986
2,224
3,703
855
1,115
1,256
1,099
1,262
2,109
3,000
3,664
1,154
1,540
1,989
2,090
North Tipperary
South Tipperary
Tipperary Total
1,263
589
1,852
1,257
646
1,903
1,851
631
2,482
1,309
1,439
2,748
1,426
1,590
3,016
1,166
484
1,650
1,154
482
1,636
1,717
526
2,243
1,240
1,285
2,525
1,349
1,465
2,814
Waterford County
1,324
Waterford City Council 460
Waterford Total
1,784
1,171
996
2,167
1,248
1,123
2,371
1,369
555
1,924
1,511
828
2,339
1,172
254
1,426
1,079
788
1,867
1,194
1,078
2,272
1,344
483
1,827
1,377
756
2,133
Westmeath
Wexford
Wicklow
Conversions
1,187
2,342
2,002
400
1,585
2,743
1,800
400
2,125
3,043
2,076
400
1,634
3,180
2,341
400
1,704
3,391
1,967
400
1,125
2,002
1,806
400
1,480
2,524
1,670
400
1,979
2,765
1,988
400
1,541
3,049
2,148
400
1,666
3,264
1,826
400
57,695
68,819
76,954
80,957
93,419
51,932
62,686
71,808
TOTALS
75,398 88,211
Note:- Total house completions are based on the number of new dwellings connected by the ESB to the electricity
supply and may not accord precisely with local authority boundaries.
39
Section 1: Housing Activity
NEW HOUSES COMPLETED BY TYPE 2006
Co. Councils incl.
Individual House
Borough & Town Councils
Carlow
263
Cavan
875
Clare
866
Apartments
Total
966
1,522
1,615
92
292
246
1,321
2,689
2,727
Cork County
Cork City Council
Cork Total
2,268
72
2,340
5,002
456
5,458
806
537
1,343
8,076
1,065
9,141
Donegal
1,863
2,228
296
4,387
D/Laoghaire-Rathdown
Fingal
South Dublin
Dublin City Council
Dublin Total
171
316
159
426
1,072
571
3,648
1,484
1,198
6,901
1,730
1,899
1,746
6,122
11,497
2,472
5,863
3,389
7,746
19,470
Galway County
Galway City Coucil
Galway Total
2,111
27
2,138
2,068
868
2,936
333
380
713
4,512
1,275
5,787
Kerry
Kildare
Kilkenny
Laois
Leitrim
1,420
661
555
437
481
2,215
3,300
1,166
1,682
851
318
843
48
125
213
3,953
4,804
1,769
2,244
1,545
834
17
851
1,610
189
1,799
180
183
363
2,624
389
3,013
Longford
Louth
Mayo
Meath
Monaghan
Offaly
Roscommon
Sligo
417
570
1,391
675
506
490
729
504
807
1,311
1,310
2,526
817
1,013
1,382
1,192
104
370
378
545
83
91
73
468
1,328
2,251
3,079
3,746
1,406
1,594
2,184
2,164
North Tipperary
South Tipperary
Tipperary Total
481
520
1,001
817
1,016
1,833
128
54
182
1,426
1,590
3,016
538
19
557
860
487
1,347
113
322
435
1,511
828
2,339
489
1,210
445
22,806
873
2,007
1,210
50,267
342
174
312
19,946
1,704
3,391
1,967
93,019
Limerick County
Limerick City
Limerick Total
Waterford County
Waterford City Council
Waterford Total
Westmeath
Wexford
Wicklow
TOTALS
40
Scheme House
Note:-
These data are based on the number of new dwellings connected by the ESB to the electricity
supply but exclude conversions and may not accord precisely with local authority boundaries.
8,870
8,934
6,665
2002
2003
2004
8.7%
13.1%
15.5%
% share
13,516
13,276
13,157
Detached
54.0%
"Apartments" is where all customer metering for the block is centrally located.
"Scheme House" is where connection is provided to two or more houses.
"Individual House" is where connection is provided to separate detached house.
2005 is classified as follows:-
* The classification used for "type of dwelling" up to 2004, is no longer available.
50,267
19,946
18,035
Apartments
16,106
14,839
11,638
Apartment
21.4%
22.4%
% share
21.0%
21.7%
20.3%
% share
These data are based on the number of new dwellings connected by the ESB to the electricity supply but exclude conversions.
3.3%
11.5%
8.7%
% share
Note:-
24.5%
52.3%
% share
2,531
7,848
4,997
Terraced
22,806
42,160
Scheme House
49.3%
34.4%
32.5%
% share
2006 *
25.3%
37,736
23,522
18,633
Semi-D
20,362
17.7%
19.4%
23.0%
% share
2005 *
Individual House % share
Bungalow
Year
NEW HOUSES COMPLETED BY TYPE 2002 TO 2006
93,019
80,557
Total
76,554
68,419
57,295
TOTAL
Section 1: Housing Activity
41
Section 1: Housing Activity
NEW HOUSE GUARANTEE REGISTRATIONS
County Councils
(including City,
2006
Borough and Town
Councils)
2002
2003
2004
2005
Q1
Q2
Q3
Q4
Total
Carlow
429
719
847
938
270
169
273
224
936
Cavan
370
572
1,106
1,133
422
190
392
380
1,384
Clare
864
1,157
1,478
1,537
539
495
604
278
1,916
Cork
6,004
5,827
6,425
7,745
1,544
2,190
2,686
1,437
7,857
804
1,078
913
990
405
379
328
279
1,391
Dublin
18,243
16,708
18,714
15,656
5,139
5,592
3,446
3,081
17,258
Galway
2,941
2,811
2,528
2,556
1,126
884
826
397
3,233
Kerry
1,561
1,272
1,762
2,012
378
512
348
508
1,746
Kildare
2,192
3,264
2,958
4,000
1,117
1,003
1,061
578
3,759
Kilkenny
1,064
946
1,174
1,570
501
283
315
206
1,305
Laois
821
1,152
1,568
1,946
461
655
607
564
2,287
Leitrim
213
516
653
816
234
197
97
266
794
Limerick
1,824
3,197
2,316
2,185
780
370
717
696
2,563
Longford
238
419
708
609
320
603
366
319
1,608
Louth
1,340
1,763
1,453
1,523
283
145
344
325
1,097
Mayo
837
955
1,132
1,439
324
399
481
314
1,518
Meath
2,904
3,615
3,347
3,456
892
706
697
573
2,868
Monaghan
190
158
174
435
319
112
169
51
651
Offaly
640
1,220
1,060
938
288
403
98
206
995
Roscommon
347
445
962
1,427
266
276
261
298
1,101
Sligo
556
765
956
1,213
387
348
378
376
1,489
Tipperary
1,098
1,411
1,885
1,949
610
670
550
328
2,158
Waterford
1,550
1,575
1,771
1,526
379
411
337
151
1,278
Westmeath
1,031
1,609
1,260
1,071
382
341
351
406
1,480
Wexford
1,611
1,584
2,152
2,178
790
439
1,039
328
2,596
Wicklow
1,345
2,121
1,480
1,436
283
504
220
374
1,381
TOTALS
51,017
56,859
60,782
62,284
18,439 18,276
16,991
12,943
66,649
Donegal
Notes:-
42
(a)
Data up to and including 2001 represent HomeBond Registrations.
(b)
Data from 2002 includes HomeBond Registrations and Premier Guarantee Registrations.
Section 1: Housing Activity
COMMENCEMENT NOTICES DATA
Number of Notices
Total number
Of which, includes
Total number
Of which, includes
Received
of Residential
Single Houses
of residential
Single Houses
units Commenced
2005
2006
units Commenced
2005
2006
January
1,721
1,763
4,680
1,463
5,850
1,467
February
2,058
1,921
6,538
1,728
5,648
1,620
March
2,411
2,082
7,552
2,005
6,843
1,736
April
2,170
1,887
7,014
1,811
6,783
1,559
May
2,181
2,149
7,537
1,848
7,129
1,878
June
2,021
2,090
6,483
1,710
8,563
1,680
July
1,941
1,963
6,850
1,612
6,529
1,627
August
1,993
2,017
7,827
1,661
7,227
1,499
September
1,937
1,701
7,473
1,645
5,238
1,350
October
1,622
1,658
5,202
1,484
5,836
1,311
November
1,587
1,476
6,278
1,301
5,737
1,187
December
1,088
872
4,275
897
4,219
652
TOTALS
22,730
21,579
77,709
19,165
75,602
17,566
Note:-
Data has been collected on a monthly basis from Residential Commencement Notices, received by all of
the 37 Building Control Authorities. This series started in January 2004.
43
Section 1: Housing Activity
SUPPLY OF HOUSING LAND
Survey of undeveloped housing zoned serviced land availability - 30 June 2006
Zoned serviced land
County & City Councils
No. of Housing Units
Carlow
Cavan
Clare
225
802
1,061
4,435
15,589
29,742
Cork County
Cork City Council
Cork Total
1,389
143
1,532
29,686
10,158
39,844
956
15,021
342
1,161
814
479
2,796
20,604
43,863
39,660
58,227
162,354
Galway County
Galway City Council
Galway Total
582
123
705
15,004
2,983
17,987
Kerry
Kildare
Kilkenny
Laois
Leitrim
681
755
854
303
60
15,711
19,381
20,975
9,555
1,211
Limerick County
Limerick City Council
Limerick Total
315
113
428
7,269
4,382
11,651
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
South Tipperary
140
224
341
270
123
174
812
80
452
856
3,555
7,785
7,687
8,735
2,409
3,856
20,731
1,690
11,805
22,033
Waterford County
Waterford City Council
Waterford Total
78
173
251
1,612
5,661
7,273
Westmeath
Wexford
Wicklow
360
411
225
12,655
10,928
7,621
15,877
492,219
Donegal
D/Laoghaire-Rathdown
Fingal
South Dublin
Dublin City Council
Dublin Total
TOTALS
Notes:- (a)
(b)
44
Hectares
County figures include serviced land data for Borough Councils and Town Councils where
applicable.
Serviced land refers to land that has the necessary water, sewerage, transport or other services
required to bring the land into development and sufficient for planning permission to be
granted and construction to commence.
Section 2:
House Prices
NEW HOUSE PRICES AT LOAN APPROVAL STAGE BY AREA
Period
Whole Country
Dublin
Cork
Galway
Limerick
Waterford
Other Areas
2002
2003
2004
2005
2006
€
198,087
224,567
249,191
276,221
305,637
€
256,109
291,646
322,628
350,891
405,957
€
184,369
211,980
237,858
265,644
305,015
€
187,607
223,388
242,218
274,905
286,176
€
168,574
197,672
210,868
226,393
275,411
€
167,272
195,173
220,286
246,914
271,521
€
179,936
203,125
228,057
254,006
276,570
2004
Q1
Q2
Q3
Q4
238,084
246,299
249,348
262,277
311,813
322,899
324,304
329,447
232,783
229,341
236,719
252,726
230,558
244,074
233,180
261,304
203,781
210,095
207,984
221,725
210,838
227,363
217,176
223,067
216,079
225,083
231,217
239,209
2005
Q1
Q2
Q3
Q4
264,472
275,394
275,810
287,134
342,304
346,683
351,263
361,242
255,027
268,938
262,000
275,468
265,291
282,475
277,394
273,334
213,717
220,321
226,019
243,861
238,619
233,445
243,200
270,968
242,197
252,075
256,012
263,524
2006
Q1
Q2
Q3
Q4
294,580
308,302
309,206
313,087
390,629
397,337
425,925
419,330
285,610
314,696
317,283
303,925
284,052
279,059
289,497
294,602
250,330
298,878
267,873
284,078
250,630
271,284
281,705
290,626
269,128
277,465
280,568
281,086
Annual Percentage change
2003
2004
2005
2006
13.4%
11.0%
10.8%
10.6%
13.9%
10.6%
8.8%
15.7%
15.0%
12.2%
11.7%
14.8%
19.1%
8.4%
13.5%
4.1%
17.3%
6.7%
7.4%
21.7%
16.7%
12.9%
12.1%
10.0%
12.9%
12.3%
11.4%
8.9%
2006
Q1
Q2
Q3
Q4
11.4%
11.9%
12.1%
9.0%
14.1%
14.6%
21.3%
16.1%
12.0%
17.0%
21.1%
10.3%
7.1%
-1.2%
4.4%
7.8%
17.1%
35.7%
18.5%
16.5%
5.0%
16.2%
15.8%
7.3%
11.1%
10.1%
9.6%
6.7%
3.7%
10.2%
0.8%
-4.2%
3.9%
-1.8%
3.7%
1.8%
2.7%
19.4%
-10.4%
6.0%
-7.5%
8.2%
3.8%
3.2%
2.1%
3.1%
1.1%
0.2%
Percentage change on previous quarter
2006
Q1
Q2
Q3
Q4
2.6%
4.7%
0.3%
1.3%
8.1%
1.7%
7.2%
-1.5%
45
Section 2: House Prices
NEW HOUSE PRICES (EXCLUDING APARTMENTS) AT LOAN APPROVAL
STAGE BY AREA
Period
Whole Country
Dublin
Cork
Galway
Limerick
Waterford
Other Areas
€
€
€
€
€
€
€
2002
2003
2004
2005
2006
194,835
220,573
244,852
272,034
297,476
259,381
302,270
343,251
386,089
473,634
184,884
210,733
236,076
264,719
298,122
187,194
222,578
241,545
274,745
287,103
169,577
193,854
209,850
226,773
282,309
169,681
193,642
218,447
245,315
270,108
179,988
203,421
228,974
255,730
278,756
2004
Q1
Q2
Q3
Q4
235,292
240,985
245,522
257,779
333,323
347,764
343,683
347,467
234,967
227,399
233,311
250,238
231,456
240,889
231,561
262,295
202,580
210,576
206,452
220,494
210,343
226,573
213,237
221,001
217,033
225,813
231,986
240,868
2005
Q1
Q2
Q3
Q4
259,341
270,944
272,265
284,207
364,284
375,241
383,944
424,082
254,506
267,631
261,971
273,687
262,232
283,660
280,217
271,542
212,593
222,734
227,742
243,928
236,641
230,236
241,506
273,067
243,520
253,547
257,663
266,244
2006
Q1
Q2
Q3
Q4
287,416
301,456
302,575
300,752
444,584
476,675
520,297
476,271
281,929
296,060
314,267
302,145
283,119
279,531
289,750
300,209
253,792
310,713
272,641
291,305
249,597
268,419
282,620
292,026
271,072
279,497
283,729
282,956
Annual Percentage change
2003
2004
2005
2006
13.2%
11.0%
11.1%
9.4%
16.5%
13.6%
12.5%
22.7%
14.0%
12.0%
12.1%
12.6%
18.9%
8.5%
13.7%
4.5%
14.3%
8.3%
8.1%
24.5%
14.1%
12.8%
12.3%
10.1%
13.0%
12.6%
11.7%
9.0%
2006
Q1
Q2
Q3
Q4
10.8%
11.3%
11.1%
5.8%
22.0%
27.0%
35.5%
12.3%
10.8%
10.6%
20.0%
10.4%
8.0%
-1.5%
3.4%
10.6%
19.4%
39.5%
19.7%
19.4%
5.5%
16.6%
17.0%
6.9%
11.3%
10.2%
10.1%
6.3%
3.0%
5.0%
6.1%
-3.9%
4.3%
-1.3%
3.7%
3.6%
4.0%
22.4%
-12.3%
6.8%
-8.6%
7.5%
5.3%
3.3%
1.8%
3.1%
1.5%
-0.3%
Percentage change on previous quarter
2006
Q1
Q2
Q3
Q4
46
1.1%
4.9%
0.4%
-0.6%
4.8%
7.2%
9.2%
-8.5%
Section 2: House Prices
NEW APARTMENT PRICES AT LOAN APPROVAL STAGE BY AREA
Period
Whole Country
Dublin
Cork
Galway
Limerick
Waterford
Other Areas
€
€
€
€
€
€
€
2002
2003
2004
2005
2006
220,298
250,235
271,016
293,232
326,216
249,250
274,347
299,667
323,116
369,638
175,674
229,976
251,942
271,960
327,814
190,217
231,084
248,041
276,527
279,657
159,457
221,717
217,585
224,873
236,975
137,604
223,468
237,372
264,456
283,325
179,112
198,214
215,978
236,170
251,849
2004
Q1
Q2
Q3
Q4
253,641
273,152
272,005
280,074
283,845
299,260
298,653
311,697
212,278
245,230
267,410
267,587
224,512
266,515
250,966
248,877
212,444
205,313
218,733
226,821
217,325
241,239
247,576
234,225
202,157
214,345
219,468
223,441
2005
Q1
Q2
Q3
Q4
288,675
294,513
291,171
296,592
321,083
321,994
324,034
324,588
258,922
280,245
262,158
286,555
300,013
268,238
251,396
289,201
221,505
198,796
216,477
243,625
257,245
289,438
272,710
256,357
226,554
236,048
237,612
240,805
2006
Q1
Q2
Q3
Q4
320,181
329,044
332,457
326,366
360,619
357,207
385,372
384,962
304,750
364,957
325,834
309,948
290,648
275,075
288,293
260,858
233,687
220,782
238,429
260,476
263,328
313,935
271,183
285,311
251,979
260,602
252,173
241,842
Annual Percentage change
2003
2004
2005
2006
13.6%
8.3%
8.2%
11.2%
10.1%
9.2%
7.8%
14.4%
30.9%
9.6%
7.9%
20.5%
21.5%
7.3%
11.5%
1.1%
39.0%
-1.9%
3.3%
5.4%
62.4%
6.2%
11.4%
7.1%
10.7%
9.0%
9.3%
6.6%
2006
Q1
Q2
Q3
Q4
10.9%
11.7%
14.2%
10.0%
12.3%
10.9%
18.9%
18.6%
17.7%
30.2%
24.3%
8.2%
-3.1%
2.5%
14.7%
-9.8%
5.5%
11.1%
10.1%
6.9%
2.4%
8.5%
-0.6%
11.3%
11.2%
10.4%
6.1%
0.4%
6.3%
19.8%
-10.7%
-4.9%
0.5%
-5.4%
4.8%
-9.5%
-4.1%
-5.5%
8.0%
9.2%
2.7%
19.2%
-13.6%
5.2%
4.6%
3.4%
-3.2%
-4.1%
Percentage change on previous quarter
2006
Q1
Q2
Q3
Q4
8.0%
2.8%
1.0%
-1.8%
11.1%
-0.9%
7.9%
-0.1%
47
Section 2: House Prices
SECOND-HAND HOUSE PRICES AT LOAN APPROVAL STAGE BY AREA
Period
Whole Country
Dublin
Cork
Galway
Limerick
Waterford
Other Areas
€
€
€
€
€
€
€
2002
2003
2004
2005
2006
227,799
264,898
294,667
330,399
371,447
297,424
355,451
389,791
438,790
512,461
200,155
240,444
273,605
307,007
353,104
206,571
249,404
278,813
317,811
336,948
172,273
201,477
218,869
232,271
257,958
170,342
201,871
220,029
252,765
282,998
192,301
218,061
235,829
263,653
294,021
2004
Q1
Q2
Q3
Q4
274,274
301,620
293,114
308,899
362,845
399,536
382,505
411,439
250,491
276,879
288,285
276,956
272,282
285,920
282,943
273,665
198,417
238,036
209,220
231,457
214,441
212,650
225,636
228,051
224,298
235,110
237,504
246,733
2005
Q1
Q2
Q3
Q4
304,839
332,151
327,864
351,530
402,698
440,520
430,220
475,430
280,106
306,369
309,484
325,577
301,122
311,748
322,827
331,164
211,667
241,643
236,914
234,393
240,497
248,647
255,589
265,458
243,651
262,180
267,035
277,102
2006
Q1
Q2
Q3
Q4
348,597
379,011
389,871
375,577
472,996
516,589
549,330
517,865
322,076
368,016
371,018
355,370
332,005
329,369
343,892
343,916
256,243
255,352
268,457
251,420
272,033
284,724
289,221
290,203
279,062
291,376
306,244
303,732
Annual Percentage change
2003
2004
2005
2006
16.3%
11.2%
12.1%
12.4%
19.5%
9.7%
12.6%
16.8%
20.1%
13.8%
12.2%
15.0%
20.7%
11.8%
14.0%
6.0%
17.0%
8.6%
6.1%
11.1%
18.5%
9.0%
14.9%
12.0%
13.4%
8.1%
11.8%
11.5%
2006
Q1
Q2
Q3
Q4
14.4%
14.1%
18.9%
6.8%
17.5%
17.3%
27.7%
8.9%
15.0%
20.1%
19.9%
9.2%
10.3%
5.7%
6.5%
3.9%
21.1%
5.7%
13.3%
7.3%
13.1%
14.5%
13.2%
9.3%
14.5%
11.1%
14.7%
9.6%
-1.1%
14.3%
0.8%
-4.2%
0.3%
-0.8%
4.4%
0.0%
9.3%
-0.3%
5.1%
-6.3%
2.5%
4.7%
1.6%
0.3%
0.7%
4.4%
5.1%
-0.8%
Percentage change on previous quarter
2006
Q1
Q2
Q3
Q4
48
-0.8%
8.7%
2.9%
-3.7%
-0.5%
9.2%
6.3%
-5.7%
Section 2: House Prices
SECOND-HAND HOUSE PRICES (EXCL. APARTMENTS) AT LOAN
APPROVAL STAGE BY AREA
Period
Whole Country
Dublin
Cork
Galway
Limerick
Waterford
Other Areas
€
€
€
€
€
€
€
2002
2003
2004
2005
2006
227,329
265,110
294,948
330,348
373,482
302,053
364,738
402,687
456,050
543,959
200,633
241,032
270,256
307,285
353,482
207,757
250,600
278,083
319,727
335,481
172,731
201,881
218,693
231,267
256,903
172,521
202,371
221,124
252,689
279,787
192,805
218,910
236,565
264,023
295,327
2004
Q1
Q2
Q3
Q4
273,509
303,148
292,411
310,191
370,643
415,432
394,165
427,333
246,558
273,499
280,282
279,365
271,052
286,055
282,578
272,085
198,473
239,118
209,813
229,235
214,998
213,310
226,925
230,159
225,517
235,738
238,278
247,238
2005
Q1
Q2
Q3
Q4
305,730
333,279
327,971
349,606
418,750
459,461
446,626
494,049
279,670
304,386
312,253
326,392
304,673
310,908
327,641
332,241
212,343
246,299
229,540
233,396
241,153
249,139
256,066
263,425
244,549
263,474
267,531
276,074
2006
Q1
Q2
Q3
Q4
343,985
383,066
396,232
380,310
489,678
551,353
591,316
554,909
320,927
368,536
371,790
357,559
328,070
330,215
347,935
338,196
250,541
256,756
265,680
255,780
259,801
283,113
292,508
291,607
276,115
294,281
309,446
307,552
Annual Percentage change
2003
2004
2005
2006
16.6%
11.3%
12.0%
13.1%
20.8%
10.4%
13.3%
19.3%
20.1%
12.1%
13.7%
15.0%
20.6%
11.0%
15.0%
4.9%
16.9%
8.3%
5.7%
11.1%
17.3%
9.3%
14.3%
10.7%
13.5%
8.1%
11.6%
11.9%
2006
Q1
Q2
Q3
Q4
12.5%
14.9%
20.8%
8.8%
16.9%
20.0%
32.4%
12.3%
14.8%
21.1%
19.1%
9.5%
7.7%
6.2%
6.2%
1.8%
18.0%
4.2%
15.7%
9.6%
7.7%
13.6%
14.2%
10.7%
12.9%
11.7%
15.7%
11.4%
-1.7%
14.8%
0.9%
-3.8%
-1.3%
0.7%
5.4%
-2.8%
7.3%
2.5%
3.5%
-3.7%
-1.4%
9.0%
3.3%
-0.3%
0.0%
6.6%
5.2%
-0.6%
Percentage change on previous quarter
2006
Q1
Q2
Q3
Q4
-1.6%
11.4%
3.4%
-4.0%
-0.9%
12.6%
7.2%
-6.2%
49
Section 2: House Prices
SECOND-HAND APARTMENT PRICES AT LOAN APPROVAL STAGE BY AREA
Period
Whole Country
Dublin
Cork
Galway
Limerick
Waterford
Other Areas
€
€
€
€
€
€
€
2002
2003
2004
2005
2006
233,080
262,459
291,758
330,844
357,823
269,651
300,906
319,333
364,708
400,092
190,166
229,819
322,076
303,132
337,838
196,515
238,265
286,113
300,655
338,297
167,312
196,116
221,118
245,618
247,941
144,187
193,852
197,642
254,427
344,401
180,778
197,998
219,627
256,480
276,603
2004
Q1
Q2
Q3
Q4
282,774
284,574
300,553
297,613
317,901
304,281
320,942
334,152
305,038
331,994
396,514
242,254
286,770
284,529
286,637
286,655
197,566
224,125
201,658
255,082
204,300
196,938
180,750
201,008
195,698
219,293
218,071
238,553
2005
Q1
Q2
Q3
Q4
296,633
321,866
326,904
366,418
328,239
354,078
359,464
405,302
285,987
337,627
269,838
315,601
266,332
319,730
282,142
322,097
203,755
182,180
347,835
247,920
226,559
237,116
244,285
304,700
224,665
235,499
257,079
294,150
2006
Q1
Q2
Q3
Q4
382,327
359,235
345,146
331,284
414,435
401,779
394,806
377,641
336,041
376,399
334,321
307,375
367,771
344,380
291,133
355,089
314,234
235,852
225,849
208,689
323,898
316,256
218,639
245,077
320,578
255,067
267,518
244,446
Annual Percentage change
2003
2004
2005
2006
12.6%
11.2%
13.4%
8.2%
11.6%
6.1%
14.2%
9.7%
20.9%
40.1%
-5.9%
11.4%
21.2%
20.1%
5.1%
12.5%
17.2%
12.7%
11.1%
0.9%
34.4%
2.0%
28.7%
35.4%
9.5%
10.9%
16.8%
7.8%
2006
Q1
Q2
Q3
Q4
28.9%
11.6%
5.6%
-9.6%
26.3%
13.5%
9.8%
-6.8%
17.5%
11.5%
23.9%
-2.6%
38.1%
7.7%
3.2%
10.2%
54.2%
29.5%
-35.1%
-15.8%
43.0%
33.4%
-10.5%
-19.6%
42.7%
8.3%
4.1%
-16.9%
6.5%
12.0%
-11.2%
-8.1%
14.2%
-6.4%
-15.5%
22.0%
26.7%
-24.9%
-4.2%
-7.6%
6.3%
-2.4%
-30.9%
12.1%
9.0%
-20.4%
4.9%
-8.6%
Percentage change on previous quarter
2006
Q1
Q2
Q3
Q4
50
4.3%
-6.0%
-3.9%
-4.0%
2.3%
-3.1%
-1.7%
-4.3%
Section 2: House Prices
RANGES OF HOUSE PRICES - WHOLE COUNTRY
Year
Not exceeding
€1150,001 to
€2200,001 to
€2250,001 to
€3300,001 to
Exceeding
€1150,000
%
€2200,000
%
€2250,000
%
€3300,000
%
€3350,000
%
€3350,000
%
38.1
35.1
29.6
22.8
17.6
17.8
21.9
23.1
23.5
21.7
7.6
11.1
15.8
19.2
18.9
3.8
5.0
8.3
11.5
13.5
5.5
7.2
11.2
16.4
23.9
24.7
16.8
10.7
6.1
3.7
30.5
24.4
21.2
15.7
11.7
19.2
20.7
21.3
20.7
15.2
8.8
15.0
17.3
18.2
16.4
5.5
7.9
9.8
13.4
16.6
11.2
15.2
19.6
26.0
36.4
25.6
18.0
11.3
6.3
4.0
33.4
28.8
25.0
18.8
14.3
18.7
21.2
22.1
21.9
18.1
8.4
13.4
16.6
18.7
17.5
4.9
6.7
9.1
12.5
15.2
9.1
12.0
15.8
21.8
30.9
Percentages
NEW HOUSES
2002
2003
2004
2005
2006
27.1
19.7
12.0
6.5
4.4
SECOND -HAND HOUSES
2002
2003
2004
2005
2006
ALL HOUSES
2002
2003
2004
2005
2006
Note:-
Up to 2003 - Ranges of house prices have been derived from mortgage loan statistical survey forms
which were submitted by borrowers at loan payments stage and returned to the Department by the
mortgage lending agencies.
From 2004 - Ranges of house prices have been derived from mortgage loan details supplied directly
by Financial Institutions. This has wider coverage.
51
Section 2: House Prices
RANGES OF HOUSE PRICES - DUBLIN ONLY
Year
€1150,001 to
€2200,000
%
€2200,001 to
€2250,000
%
€2250,001 to
€3300,000
%
€3300,001 to
€3350,000
%
31.2
17.9
8.2
3.9
4.6
33.3
39.5
23.2
17.2
9.0
12.8
18.0
26.5
28.9
19.2
6.7
8.6
17.6
19.2
19.7
13.3
14.7
23.6
30.6
46.5
3.7
1.6
0.6
0.3
0.2
25.2
10.3
5.4
2.8
1.2
27.8
24.3
19.0
13.6
4.0
13.4
23.1
23.3
19.5
10.7
9.0
12.8
15.6
19.4
20.3
20.8
27.8
36.1
44.4
63.6
3.5
1.6
0.7
0.3
0.5
26.5
12.2
6.3
3.3
2.4
28.9
28.1
20.3
14.8
5.7
13.3
21.8
24.3
22.8
13.6
8.5
11.8
16.2
19.2
20.1
19.2
24.5
32.2
39.6
57.7
Not exceeding
€1150,000
%
Percentages
Exceeding
€3350,000
%
NEW HOUSES
2002
2003
2004 ( r )
2005 ( r )
2006
2.7
1.3
0.9
0.2
1.0
SECOND -HAND HOUSES
2002
2003
2004 ( r )
2005 ( r )
2006
ALL HOUSES
2002
2003
2004 ( r )
2005 ( r )
2006
Note:-
52
Up to 2003 - Ranges of house prices have been derived from mortgage loan statistical survey
forms which were submitted by borrowers at loan payments stage and returned to the
Department by the mortgage lending agencies.
From 2004 - Ranges of house prices have been derived from mortgage loan details supplied
directly by Financial Institutions. This has wider coverage.
(r) Dublin Figures for 2004 and 2005 were incorrect in the Annual Housing Bulletin 2005
Section 2: House Prices
NATIONAL HOUSE BUILDING COST INDEX
BASE: JANUARY 1991 = 100
Month
2002
2003
2004
2005
2006
January
169.9
174.2
179.6
184.7
189.9
February
170.0
174.5
179.7
184.8
190.1
March
169.5
174.5
179.9
184.9
190.6
April
169.5
177.3
179.9
186.5
194.0
May
169.5
177.3
180.0
186.6
194.2
June
169.7
177.4
180.2
186.6
194.3
July
173.8
177.1
181.1
186.7
194.4
August
173.9
177.2
182.2
186.9
194.5
September
173.9
177.2
182.2
186.9
194.6
October
173.9
177.2
183.9
189.5
197.7
November
174.0
177.2
184.2
189.4
198.0
December
174.1
177.2
184.2
189.7
198.1
Yearly
171.8
176.5
181.5
186.9
194.2
6.4%
2.7%
2.8%
3.0%
3.9%
average
Increase on
previous year
1.
The index relates to costs ruling on the first day of each month.
2.
The index relates solely to labour and material costs which should normally not exceed 65% of the total
price of a house. It does not include items such as overheads, profit, interest charges, land development
etc.
53
Section 3:
Housing Loans
HOUSING LOANS APPROVED
Period
New Houses
Number
Value €m
m
Second-hand Houses
Number
Value €m
m
Totals
Number
Value €m
m
2002
2003
2004
2005
2006
39,399
39,676
50,018
58,104
53,895
5985.9
6968.2
9750.0
12971.0
13994.7
53,737
58,212
54,287
61,933
60,698
8373.4
10477.8
11269.2
14782.3
17387.5
93,136
97,888
104,305
120,037
114,593
14359.3
17446.1
21019.2
27753.3
31382.2
2004
Q1
Q2
Q3
Q4
10,969
13,752
13,098
12,199
2040.4
2596.4
2572.2
2541.1
12,772
14,820
14,062
12,633
2479.2
3115.5
2889.0
2785.5
23,741
28,572
27,160
24,832
4519.6
5711.8
5461.2
5326.5
2005
Q1
Q2
Q3
Q4
12,227
15,617
15,311
14,949
2555.4
3447.1
3428.2
3540.3
12,268
17,045
17,080
15,540
2651.5
4079.7
4124.4
3926.7
24,495
32,662
32,391
30,489
5207.0
7526.8
7552.6
7467.0
2006
Q1
Q2
Q3
Q4
14,604
16,814
11,148
11,329
3457.4
4187.0
3142.9
3207.4
16,899
18,404
13,691
11,704
4254.0
4904.6
4418.5
3810.3
31,503
35,218
24,839
23,033
7711.5
9091.6
7561.5
7017.7
Annual Percentage Change
2003
2004
2005
2006
0.7%
26.1%
16.2%
-7.2%
16.4%
39.9%
33.0%
7.9%
8.3%
-6.7%
14.1%
-2.0%
25.1%
7.6%
31.2%
17.6%
5.1%
6.6%
15.1%
-4.5%
21.5%
20.5%
32.0%
13.1%
2006
Q1
Q2
Q3
Q4
19.4%
7.7%
-27.2%
-24.2%
35.3%
21.5%
-8.3%
-9.4%
37.7%
8.0%
-19.8%
-24.7%
60.4%
20.2%
7.1%
-3.0%
28.6%
7.8%
-23.3%
-24.5%
48.1%
20.8%
0.1%
-6.0%
8.7%
8.9%
-25.6%
-14.5%
8.3%
15.3%
-9.9%
-13.8%
3.3%
11.8%
-29.5%
-7.3%
3.3%
17.9%
-16.8%
-7.2%
Percentage change on previous quarter
2006
Q1
Q2
Q3
Q4
54
-2.3%
15.1%
-33.7%
1.6%
-2.3%
21.1%
-24.9%
2.1%
Section 3: Housing Loans
HOUSING LOANS PAID
Period
New Houses
Number
Value €m
m
Second-hand Houses
Number
Value €m
m
Totals
Number
Value €m
m
2002
2003
2004
2005
2006
32,298
35,292
44,231
53,758
55,737
4353.8
5398.1
7416.0
9689.8
11001.5
46,994
49,457
54,478
53,922
55,516
6471.4
8125.7
9517.2
11,846.0
14,493.8
79,292
84,749
98,709
107,680
111,253
10825.2
13523.7
16933.2
21535.8
25495.2
2004
Q1
Q2
Q3
Q4
9,047
11,261
11,074
12,849
1364.2
1763.5
2088.0
2200.3
12,718
13,760
14,765
13,235
1957.2
2326.1
2704.2
2529.8
21,765
25,021
25,839
26,084
3321.4
4089.5
4792.2
4730.0
2005
Q1
Q2
Q3
Q4
10,861
13,313
13,982
15,602
1847.0
2321.0
2524.9
2996.9
10,168
13,727
14,933
15,094
1989.3
2846.4
3436.3
3574.0
21,029
27,040
28,915
30,696
3836.3
5167.4
5961.2
6570.9
2006
Q1
Q2
Q3
Q4
13,470
14,599
13,534
14,134
2503.3
2648.8
2798.4
3051.0
12,357
14,223
15,024
13,912
2842.3
3383.6
4285.0
3982.9
25,827
28,822
28,558
28,046
5345.6
6032.4
7083.4
7033.9
Annual percentage change
2003
2004
2005
2006
9.3%
25.3%
21.5%
3.7%
24.0%
37.4%
30.7%
13.5%
5.2%
10.2%
-1.0%
3.0%
25.6%
17.1%
24.5%
22.4%
6.9%
16.5%
9.1%
3.3%
24.9%
25.2%
27.2%
18.4%
2006
Q1
Q2
Q3
Q4
24.0%
9.7%
-3.2%
-9.4%
35.5%
14.1%
10.8%
1.8%
21.5%
3.6%
0.6%
-7.8%
42.9%
18.9%
24.7%
11.4%
22.8%
6.6%
-1.2%
-8.6%
39.3%
16.7%
18.8%
7.0%
-18.1%
15.1%
5.6%
-7.4%
-20.5%
19.0%
26.6%
-7.1%
-15.9%
11.6%
-0.9%
-1.8%
-18.6%
12.8%
17.4%
-0.7%
Percentage change on previous quarter
2006
Q1
Q2
Q3
Q4
-13.7%
8.4%
-7.3%
4.4%
-16.5%
5.8%
5.6%
9.0%
55
Section 3: Housing Loans
RANGES OF LOANS PAID - WHOLE COUNTRY
Year
Percentages
€1100,001 to
€1150,000
%
€1150,001 to
€2200,000
%
36.0
34.8
25.7
17.7
13.0
21.5
27.0
30.8
29.1
26.0
5.2
10.0
16.4
20.7
22.0
1.7
3.7
8.6
13.1
15.0
1.9
2.3
6.4
11.4
18.5
38.0
28.7
17.9
13.1
10.8
28.1
26.7
21.6
15.7
12.8
19.2
21.8
24.5
22.9
19.1
7.5
11.6
16.5
18.8
17.6
3.1
5.5
9.0
13.5
15.7
4.2
5.8
10.5
15.9
24.0
36.4
26.1
15.3
10.8
8.4
31.1
30.0
23.4
16.6
12.8
20.0
23.9
27.4
25.6
22.1
6.6
11.0
16.5
19.6
19.6
2.6
4.8
8.8
13.3
15.4
3.4
4.3
8.7
14.0
21.6
Not exceeding
€1100,000
%
€2200,001 to
€2250,000
%
€2250,001 to
€3300,000
%
Exceeding
€3300,000
%
NEW HOUSES
2002
2003
2004
2005
2006
33.6
22.3
12.1
8.0
5.5
SECOND - HAND HOUSES
2002
2003
2004
2005
2006
ALL HOUSES
2002
2003
2004
2005
2006
Note:-
56
Up to 2003 - Ranges of loans paid have been derived from mortgage loan statistical survey forms
which were submitted by borrowers at loan payments stage and returned to the Department by the
mortgage lending agencies.
From 2004 - Ranges of loans paid have been derived from mortgage loan details supplied directly
by Financial Institutions. This has wider coverage and may not be directly comparable with
previous series pre 2004.
Section 3: Housing Loans
RANGES OF LOANS PAID - DUBLIN AREA
Year
Percentages
€1100,001 to
€1150,000
%
€1150,001 to
€2200,000
%
€2200,001 to
€2250,000
%
€2250,001 to
€3300,000
%
16.9
11.3
6.3
3.7
4.1
42.7
36.4
21.5
13.2
9.9
13.8
28.3
29.6
27.2
17.6
5.5
10.7
21.4
26.5
22.0
5.4
7.0
18.3
27.7
44.5
27.5
18.0
9.7
7.2
7.0
19.9
17.6
10.7
7.3
6.1
26.0
22.3
18.8
14.2
9.4
12.5
19.8
23.1
19.5
12.2
6.1
10.3
16.0
20.3
18.9
7.9
12.1
21.7
31.5
46.4
25.0
15.1
7.5
5.3
5.2
19.3
16.0
9.3
6.0
5.4
29.5
25.8
19.6
13.8
9.5
12.8
21.9
25.1
22.2
14.1
6.0
10.4
17.8
22.5
20.0
7.4
10.8
20.7
30.2
45.8
Not exceeding
€1100,000
%
Exceeding
€3300,000
%
NEW HOUSES
2002
2003
2004 ( r)
2005 ( r)
2006
15.8
6.3
2.9
1.7
1.9
SECOND - HAND HOUSES
2002
2003
2004 ( r)
2005 ( r)
2006
ALL HOUSES
2002
2003
2004 ( r)
2005 ( r)
2006
Note:-
Up to 2003 - Ranges of loans paid have been derived from mortgage loan statistical survey forms
which were submitted by borrowers at loan payments stage and returned to the Department by the
mortgage lending agencies.
From 2004 - Ranges of loans paid have been derived from mortgage loan details supplied directly
by Financial Institutions. This has wider coverage and may not be directly comparable with
previous series pre 2004.
(r) Figures for 2004 and 2005 were incorrect in the Annual Housing Bulletin 2005
57
Section 4:
Profile of Borrowers
RANGES OF INCOME OF BORROWERS - WHOLE COUNTRY
Year
€660,001 to
€770,001 to
Exceeding
€330,000
€440,000
€550,000
€660,000
€770,000
€880,000
€880,000
%
%
%
%
%
%
%
Not exceeding
€330,001 to €440,001 to €550,001 to
NEW HOUSES
Based on Combined Incomes of Borrowers
2002
3.3
9.8
21.1
22.4
17.4
10.3
15.6
2003
4.5
11.5
20.4
21.4
15.9
10.4
15.7
2004
1.1
6.2
15.6
20.5
17.8
12.3
26.4
2005
0.9
4.8
13.6
18.7
18.2
12.6
31.2
2006
0.6
3.6
11.7
16.5
17.6
14.0
36.0
10.4
21.3
SECOND - HAND HOUSES
Based on Combined Incomes of Borrowers
2002
6.3
10.1
17.8
19.3
14.7
2003
10.0
11.2
17.5
17.9
13.5
9.5
20.3
2004
1.7
7.0
13.7
17.1
15.1
11.9
33.5
2005
1.7
5.4
12.3
15.9
15.3
12.4
37.1
2006
0.9
3.6
9.7
13.8
15.3
13.1
43.6
ALL HOUSES
Based on Combined Incomes of Borrowers
2002
5.1
10.0
19.2
20.6
15.8
10.4
19.0
2003
7.6
11.4
18.8
19.5
14.6
9.9
18.3
2004
1.4
6.6
14.4
18.3
16.1
12.2
30.9
2005
1.3
5.1
12.8
17.0
16.2
12.5
35.1
2006
0.8
3.6
10.5
14.9
16.3
13.5
40.4
Note:-
58
Up to 2003 - Ranges of income of borrowers have been derived from mortgage loan statistical
survey forms which were submitted by borrowers at loan payments stage and returned to the
Department by the mortgage lending agencies.
From 2004 - Ranges of income of borrowers have been derived from mortgage loan details supplied
directly by Financial Institutions. This has wider coverage.
Section 4: Profile of Borrowers
RANGES OF INCOME OF BORROWERS - DUBLIN AREA
Year
€660,001 to
€770,001 to
Exceeding
€330,000
€440,000
€550,000
€660,000
€770,000
€880,000
€880,000
%
%
%
%
%
%
%
Not exceeding
€330,001 to €440,001 to €550,001 to
NEW HOUSES
Based on Combined Incomes of Borrowers
2002
1.3
1.8
9.3
18.0
21.2
15.8
32.6
2003
2.1
3.6
11.8
21.2
21.0
14.0
26.3
2004
0.3
1.4
6.9
16.9
18.3
14.7
41.4
2005
0.4
1.1
6.1
14.9
17.4
15.1
44.9
2006
0.3
0.7
4.9
10.2
17.6
16.3
50.0
SECOND - HAND HOUSES
Based on Combined Incomes of Borrowers
2002
4.3
4.7
12.0
16.4
16.4
12.4
33.8
2003
7.3
7.3
14.0
17.1
14.1
10.9
29.3
2004
0.8
3.3
8.5
14.0
14.4
12.3
46.8
2005
1.3
2.4
7.2
12.0
14.3
12.3
50.5
2006
0.4
1.3
5.0
9.8
14.0
14.4
55.1
ALL HOUSES
Based on Combined Incomes of Borrowers
2002
3.6
4.1
11.4
16.8
17.5
13.2
33.5
2003
5.9
6.3
13.4
18.2
15.9
11.7
28.5
2004
0.7
2.9
8.1
14.7
15.3
12.8
45.5
2005
1.2
2.2
7.0
12.8
14.8
12.8
49.2
2006
0.4
1.1
4.9
9.9
15.0
15.0
53.7
Note:-
Up to 2003 - Ranges of income of borrowers have been derived from mortgage loan statistical
survey forms which were submitted by borrowers at loan payments stage and returned to the
Department by the mortgage lending agencies.
From 2004 - Ranges of income of borrowers have been derived from mortgage loan details supplied
directly by Financial Institutions. This has wider coverage.
59
Section 4: Profile of Borrowers
OWNERSHIP STATUS OF BORROWERS
WHOLE COUNTRY
Year
DUBLIN
First-time buyers
Other
First-time buyers
Other
%
%
%
%
2002
54.5
45.5
55.8
44.2
2003
52.1
47.9
55.0
45.0
2004 ( r )
43.6
56.4
45.3
54.7
2005 ( r )
45.3
54.7
47.6
52.4
2006
46.9
53.1
49.5
50.5
NEW HOUSES
SECOND - HAND HOUSES
2002
32.3
67.6
29.2
70.8
2003
26.9
73.1
24.4
75.6
2004 ( r )
25.9
74.1
26.1
73.9
2005 ( r )
30.8
69.2
31.1
68.9
2006
30.3
69.7
29.6
70.4
2002
40.3
59.7
34.3
65.7
2003
36.8
63.2
31.3
68.7
2004 ( r )
33.8
66.2
32.3
67.7
2005 ( r )
37.4
62.6
36.9
63.1
2006
37.6
62.4
36.3
63.7
ALL HOUSES
Note:-
Up to 2003 - Ownership status of borrowers have been derived from mortgage loan statistical
survey forms which were submitted by borrowers at loan payments stage and returned to the
Department by the mortgage lending agencies.
From 2004 - Ownership status of borrowers paid have been derived from mortgage loan details
supplied directly by Financial Institutions. This has wider coverage.
(r) Figures for 2004 and 2005 were incorrect in the Annual Housing Bulletin 2005
60
Section 5:
Housing Support
TOTAL SOCIAL AND AFFORDABLE HOUSING PROVISION 2006
Local
Total Local
Voluntary &
RAS; Extensions/
Houses
Authority
Co-operative
Improvement
Completions &
Housing
works in lieu
Authority
Acquisitions
Carlow Co Co
Total Social
Affordable
available
rented
Housing
for rent
accommodation
provision
of re-housing:
from
Traveller Units
existing
(see footnote)
stock
Total
Social &
Affordable
Housing
provision
21
0
11
15
47
18
65
8
0
0
6
14
0
14
Total Carlow
29
0
11
21
61
18
79
Cavan Co Co
111
16
17
22
166
4
170
28
0
1
5
34
0
34
139
16
18
27
200
4
204
Clare Co Co
59
30
48
58
195
57
252
Ennis T.C.
51
0
0
34
85
0
85
Carlow T.C.
Cavan T.C.
Total Cavan
Kilrush T.C.
4
0
0
0
4
0
4
Total Clare
114
30
48
92
284
57
341
Cork City
290
96
22
231
639
187
826
Cork North Co Co.
69
66
23
57
215
49
264
Fermoy T.C.
13
0
0
15
28
0
28
Mallow T.C.
4
0
3
10
17
1
18
Total Cork North
86
66
26
82
260
50
310
Cork South Co Co
34
0
8
53
95
143
238
4
0
0
10
14
0
14
Cobh T.C.
Kinsale T.C.
0
0
0
2
2
0
2
Macroom T.C.
5
0
0
3
8
2
10
Midleton T.C.
1
0
0
3
4
0
4
Youghal T.C.
4
0
0
7
11
8
19
Total Cork South
48
0
8
78
134
153
287
Cork West Co Co
11
0
3
15
29
9
38
7
0
0
3
10
0
10
Skibbereen T.C.
3
0
0
11
14
0
14
Total Cork West
21
0
3
29
53
9
62
Donegal Co Co
154
0
25
106
285
54
339
Buncrana T.C.
19
0
1
7
27
0
27
Bundoran T.C.
24
0
0
2
26
0
26
71
0
0
27
98
0
98
268
0
26
142
436
54
490
Clonakilty T.C.
Letterkenny T.C.
Total Donegal
61
Section 5: Housing Support
Local
Total Local
Voluntary &
RAS; Extensions/
Houses
Total Social
Affordable
Total
Authority
Co-operative
Improvement
available
rented
Housing
Social &
Completions &
Housing
Authority
Acquisitions
Dublin City
for rent
accommodation
Affordable
from
provision
Housing
Traveller Units
existing
(see footnote)
stock
provision
630
87
296
498
1,511
508
2,019
34
35
28
86
183
69
252
Fingal
147
145
32
87
411
475
886
South Dublin
448
149
218
180
995
424
1,419
Galway City
98
7
95
46
246
286
532
129
37
36
65
267
65
332
D/L-Rathdown
Galway Co Co
Ballinasloe T.C.
0
0
0
15
15
0
15
Total Galway
129
37
36
80
282
65
347
Kerry Co Co
187
14
20
57
278
22
300
Killarney T.C.
0
0
0
6
6
0
6
Listowel T.C.
19
0
0
12
31
0
31
Tralee T.C.
94
0
1
54
149
30
179
Total Kerry
300
14
21
129
464
52
516
Kildare Co Co
177
110
8
58
353
156
509
Athy T.C.
8
0
1
10
19
4
23
Naas T.C.
1
0
0
14
15
0
15
186
110
9
82
387
160
547
Kilkenny Co Co
88
8
15
29
140
30
170
Kilkenny Borough
35
0
2
17
54
0
54
Laois Co Co
78
89
10
37
214
146
360
Leitrim Co Co
48
41
12
40
141
2
143
Limerick City
47
9
98
291
445
19
464
Limerick Co Co
123
25
6
128
282
50
332
Longford Co Co
88
5
36
74
203
5
208
Longford T.C.
24
0
6
17
47
0
47
112
5
42
91
250
5
255
Total Kildare
Total Longford
62
works in lieu
of re-housing:
Section 5: Housing Support
Local
Total Local
Voluntary &
RAS; Extensions/
Houses
Total Social
Affordable
Total
Authority
Co-operative
Improvement
available
rented
Housing
Social &
Completions &
Housing
Authority
Acquisitions
works in lieu
for rent
accommodation
Affordable
of re-housing:
from
provision
Housing
Traveller Units
existing
(see footnote)
stock
24
32
97
Louth Co Co
36
5
Dundalk T.C.
127
10
0
65
Total Louth
163
15
24
97
Drogheda Borough
43
0
4
Mayo Co Co
65
9
15
provision
13
110
202
2
204
299
15
314
22
69
0
69
71
160
57
217
Ballina T.C.
5
0
0
4
9
7
16
Castlebar T.C.
3
0
0
9
12
0
12
Westport T.C.
4
0
0
6
10
4
14
Total Mayo
77
9
15
90
191
68
259
Meath Co Co
71
0
31
45
147
86
233
Kells T.C.
Navan T. C.
Trim T.C.
Total Meath
Monaghan Co Co
Carrickmacross T.C.
Catsleblaney T.C.
Clones T.C.
0
0
0
6
6
0
6
11
0
0
0
11
0
11
0
0
0
5
5
0
5
82
0
31
56
169
86
255
105
101
1
33
240
48
288
4
0
0
8
12
0
12
16
0
0
4
20
0
20
5
0
0
2
7
0
7
26
0
0
11
37
0
37
156
101
1
58
316
48
364
37
0
36
16
89
43
132
3
0
0
7
10
4
14
Tullamore T.C.
28
0
17
6
51
0
51
Total Offaly
68
0
53
29
150
47
197
205
0
4
23
232
19
251
Sligo Co Co
83
0
26
37
146
23
169
Sligo Borough
22
0
3
41
66
10
76
Tipperary North Co Co 79
10
30
34
153
15
168
Monaghan T.C.
Total Monaghan
Offaly Co Co
Birr T.C.
Roscommon Co Co
Nenagh T.C.
3
0
3
3
9
0
9
Templemore T.C.
2
0
0
6
8
0
8
Thurles T.C.
5
0
2
15
22
0
22
Total Tipperary North 89
10
35
58
192
15
207
63
Section 5: Housing Support
Local
Total Local
Voluntary &
RAS; Extensions/
Houses
Total Social
Affordable
Total
Authority
Co-operative
Improvement
available
rented
Housing
Social &
Completions &
Housing
Authority
Acquisitions
Tipperary South Co Co 28
86
works in lieu
for rent
accommodation
Affordable
of re-housing:
from
provision
Housing
Traveller Units
existing
(see footnote)
stock
3
80
provision
197
14
211
Carrick-on-suir T.C.
3
0
0
13
16
0
16
Cashel T.C.
9
0
0
5
14
0
14
Tipperary T.C.
2
0
2
23
27
0
27
Total Tipperary South 42
86
5
121
254
14
268
0
0
0
17
17
5
22
94
8
14
85
201
71
272
118
26
3
25
172
28
200
Clonmel Borough
Waterford City
Waterford Co Co
Dungarvan T.C.
Total Waterford Co
Westmeath Co Co
Athlone T.C.
32
0
5
34
71
0
71
150
26
8
59
243
28
271
51
1
29
43
124
37
161
6
0
0
27
33
0
33
Total Westmeath
57
1
29
70
157
37
194
Wexford Co Co
70
0
16
0
86
67
153
Enniscorthy T.C.
27
0
0
10
37
0
37
Newross T.C.
31
0
0
6
37
2
39
Total Wexford
128
0
16
16
160
69
229
Wexford Borough
23
0
0
23
46
5
51
Wicklow Co Co
30
15
19
53
117
38
155
9
0
0
0
9
16
25
Arklow T.C.
Bray T.C.
35
0
6
21
62
0
62
Wicklow T.C.
67
0
4
10
81
0
81
141
15
29
84
269
54
323
5,121
1,240
1,379
3,509
11,249
3,437
14,686
Total Wicklow
TOTALS
Notes:-
Affordable Housing includes 1999 Affordable Housing, AHI, Part V Affordable, Shared Ownership and
Mortgage Allowance.
Voluntary and co-operative housing consists of housing provided under the capital loan & subsidy and
capital assistance schemes.
Table presented by reference to Action Plans for Social & Affordable housing which were prepared on City
and County basis.
Figures include 828 tenants who transferred to private landlords under the Rental Accommodation Scheme
(RAS ) and 101 new and 110 refurbished traveller accommodation units.
64
Section 6:
Paths to Home Ownership including
Part V Activity
PART V, PLANNING AND DEVELOPMENT ACTS 2000 - 2006
YEAR 2006
County Councils
Affordable Housing
Social Housing
(including
Borough &
No. of units 2006:-
Town Councils)
Voluntary & Co-operative
No. of units 2006:-
No. of units 2006:-
in
in
acquired progress proposed
Total Output
Local Authority
acquired
No. of units 2006:-
in
progress proposed acquired
in
progress proposed acquired progress proposed
Carlow
4
2
0
5
0
0
0
2
0
9
4
0
Cavan
0
10
15
12
8
15
0
0
0
12
18
30
Clare
31
37
4
0
0
0
0
0
10
31
37
14
Cork County
111
219
65
44
57
2
8
0
14
163
276
81
Cork City
10
75
162
0
0
0
0
0
0
10
75
162
Cork Total
121
294
227
44
57
2
8
0
14
173
351
243
12
12
24
0
32
0
0
0
0
12
44
24
Donegal
D/L.-Rathdown
Fingal
South Dublin
68
21
0
0
12
0
18
19
0
86
52
0
413
455
1,095
45
8
32
0
12
0
458
475
1,127
727
73
134
668
51
148
8
0
38
51
124
320
Dublin City
280
387
0
53
123
0
60
185
0
393
695
0
Dublin Total
834
997
1,763
149
291
40
78
254
51
1,061
1,542
1,854
Galway County
11
89
52
14
16
2
0
0
0
25
105
54
Galway City
52
34
63
27
33
63
0
0
18
79
67
144
Galway Total
63
123
115
41
49
65
0
0
18
104
172
198
2
43
23
15
17
13
0
14
0
17
74
36
76
304
0
60
113
0
0
0
52
136
417
52
Kerry
Kildare
Kilkenny
Laois
Leitrim
Limerick County
6
53
30
27
93
22
0
0
0
33
146
52
59
78
5
24
80
5
0
0
0
83
158
10
0
0
0
7
0
0
0
0
0
7
0
0
23
22
0
0
0
0
0
0
0
23
22
0
6
10
31
0
0
0
0
0
0
6
10
31
29
32
31
0
0
0
0
0
0
29
32
31
Longford
0
25
57
4
0
0
0
0
0
4
25
57
Louth
5
29
50
9
13
7
0
8
37
14
50
94
Mayo
63
49
41
0
0
0
0
0
0
63
49
41
Meath
72
81
0
0
2
0
0
0
12
72
83
12
Limerick City
Limerick Total
Monaghan
0
0
0
40
28
6
0
0
0
40
28
6
10
12
11
2
5
40
0
0
76
12
17
127
Offaly
26
25
14
12
38
51
0
0
0
38
63
65
Roscommon
18
8
0
6
0
20
0
0
3
24
8
23
Sligo
12
26
25
0
41
25
0
0
0
12
67
50
8
112
62
18
72
4
0
0
0
26
184
66
Waterford County
20
40
69
7
41
92
0
0
0
27
81
161
Waterford City
64
8
0
14
8
0
4
0
0
82
16
0
Waterford Total
84
48
69
21
49
92
4
0
0
109
97
161
Westmeath
18
30
12
0
22
10
0
0
0
18
52
22
Wexford
29
15
3
7
61
3
0
0
0
36
76
6
Wicklow
18
31
35
5
20
66
0
0
17
23
51
118
TOTALS
1,600
2,476
2,616
508
1,091
486
90
278
290
2,198
3,845
3,392
North Tipperary
South Tipperary
Note:-
Affordable housing under the Part V arrangements are an important contributor to the Sustaining Progress Affordable Housing
Initiative (AHI) . In addition to Part V, 501 units were also delivered in 2006. (Fingal-8; South Dublin -348;
Wexford -20; Cork City- 95 and Dublin City -30) directly under AHI in 2006.
65
Section 6: Paths to Home Ownership including Part V Activity
SHARED OWNERSHIP AND AFFORDABLE HOUSING SCHEMES - BY AREA
2006
County
Councils
(including
Borough and
Town Councils)
Carlow
Cavan
Clare
Shared Ownership
Affordable Housing (1999 Scheme)
No. of:No. of houses:transactions
approvals in applications
provided
in progress
proposed
completed principle issued received
in 2006
at
at
in 2006
but transactions
in 2006
31 Dec 2006 31 Dec 2006
not yet completed
5
2
3
3
1
18
40
11
32
3
0
16
31
0
0
15
0
28
Cork County
Cork City
Cork Total
36
1
37
66
39
105
148
41
189
21
81
102
190
37
227
380
174
554
Donegal
25
33
58
0
36
0
D/L-Rathdown
Fingal
South Dublin
Dublin City
Dublin Total
0
0
1
99
100
7
616
31
58
712
6
1,747
42
296
2,091
1
46
0
90
137
38
345
18
147
548
113
225
0
1,693
2,031
Galway County
Galway City
Galway Total
3
0
3
3
2
5
5
7
12
45
230
275
19
41
60
18
147
165
Kerry
Kildare
Kilkenny
Laois
Leitrim
5
81
11
39
1
8
166
32
36
2
52
229
52
69
4
34
0
6
48
0
4
74
16
152
0
26
159
14
70
0
Limerick County
Limerick City
Limerick Total
7
6
13
7
7
14
34
12
46
0
0
0
0
0
0
10
0
10
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
South Tipperary
3
0
0
6
2
3
0
0
8
5
2
0
0
25
4
8
2
2
15
17
17
5
5
39
9
23
18
20
30
26
0
8
1
0
44
0
16
0
10
0
0
93
23
0
14
0
6
0
6
0
0
166
55
14
6
25
0
0
0
0
Waterford County
Waterford City
Waterford Total
1
7
8
0
36
36
2
66
68
0
0
0
33
0
33
44
0
44
Westmeath
Wexford
Wicklow
8
2
7
2
7
39
2
14
0
4
31
16
12
36
372
1,262
3,202
743
1,522
TOTALS
100
147 0
203
3,685
Note:- The figures for Affordable Housing exclude Part V, Planning and Development Acts 2000 - 2006.
66
Section 6: Paths to Home Ownership including Part V Activity
SHARED OWNERSHIP-TRANSACTIONS COMPLETED DURING 2006
Shared Ownership
Transactions Completed by Category
Local Authority Tenant
Number
Number eligible for
rental subsidy
% eligible
Tenants for more
than 1 year of a
Capital Loan and
Subsidy Scheme
Approved for
Local Authority
Housing
Compliance with
Income Formula
Total
11
10
2
2
22
14
337
231
372
257
90.9%
100.0%
63.6%
68.5%
69.1%
Transactions Completed by House Type
New House:Subsidised site provided
by Housing Authority
Number
% of Total
18
4.8%
Second-hand
House
Own site
Other
Total
3
0.8%
188
50.5%
209
56.2%
164
43.8%
Total
372
100.0%
Transactions Completed by House Price
Number
% of Total
Less than
€1100,000
€1100,001 to
€1120,000
€1120,001 to
€1140,000
€1140,001to
€1155,000
13
3.5%
15
4.0%
26
7.0%
27
7.3%
€118,001 to
€220,500
€1155,001to
€1170,000
78
21.0%
€1170,001to
€1185,000
Over
€1185,000
40
10.8%
173
46.5%
€223,001 to
€225,500
Over
€225,500
Total
372
100.0%
Transactions Completed by Income Category
Number
% of Total
Less than
€113,000
€113,001 to
€115,500
€115,501 to
€118,000
15
4.0%
12
3.2%
28
7.5%
23
6.2%
€220,501 to
€223,000
38
10.2%
43
11.6%
213
57.3%
Total
372
100.0%
67
Section 6: Paths to Home Ownership including Part V Activity
AFFORDABLE HOUSING (1999 SCHEME) - SALES COMPLETED DURING 2006
Sales completed by category
Transactions Completed by Category
Local Authority Tenant
Number
Number eligible for
mortgage subsidy
% eligible
Tenants for more
than 1 year of a
Capital Loan and
Subsidy Scheme
Approved for
Local Authority
Housing
Compliance with
Income Formula
Total
25
7
4
0
85
27
395
116
509
150
28.0%
0.0%
31.8%
29.4%
29.5%
Transactions Completed by House Price
Number
% of Total
Less than
€1100,000
€1100,001 to
€1120,000
€1120,001 to
€1140,000
€1140,001 to
€1155,000
7
1.4%
33
6.5%
158
31.0%
150
29.5%
€1155,001 to
€1170,000
70
13.8%
€1170,001 to
€1185,000
Over
€1185,000
57
11.2%
34
6.7%
€223,001 to
€225,500
Over
€225,500
Total
509
100.0%
Transactions Completed by Income Category
Number
% of Total
Less than
€113,000
€113,001 to
€115,500
€115,501 to
€118,000
15
2.9%
15
2.9%
26
5.1%
€118,001 to
€220,500
39
7.7%
€220,501 to
€223,000
70
13.8%
72
14.1%
272
53.4%
Total
509
100.0%
Note:- These figures relate to the actual sales completed in 2006 and not to the number of houses provided.
68
Section 6: Paths to Home Ownership including Part V Activity
MORTGAGE ALLOWANCE SCHEME - 2006
County Councils
(incl. Borough &
Town Councils)
Number of
houses surrendered
in 2006
Of which, No. of No. of final approvals
houses surrendered
issued but houses
for affordable
not yet surendered
Schemes in 2006
No. of applications
received
in 2006
Carlow
Cavan
Clare
7
2
10
1
0
3
0
2
0
8
1
17
Cork County
Cork City
Cork Total
60
3
63
16
3
19
19
0
19
52
0
0
Donegal
19
2
9
15
D/Laoghaire-Rathdown
Fingal
South Dublin
Dublin City
Dublin Total
0
8
7
9
24
0
0
5
0
5
0
10
7
13
30
0
9
8
11
28
Galway County
Galway City
Galway Total
14
7
21
8
3
11
14
3
17
20
7
27
Kerry
Kildare
Kilkenny
Laois
Leitrim
13
5
8
2
1
2
2
1
2
0
0
10
0
0
1
13
13
10
6
2
Limerick County
Limerick City
Limerick Total
20
7
27
0
0
0
19
0
19
20
10
30
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
South Tipperary
2
3
6
14
2
2
5
1
3
7
0
1
2
6
0
0
0
0
0
1
3
2
10
0
2
5
5
0
7
6
4
3
8
14
0
6
9
1
8
8
Waterford County
Waterford City
Waterford Total
12
5
17
5
5
10
12
5
17
15
11
26
Westmeath
Wexford
Wicklow
11
12
7
0
1
4
1
3
0
7
18
8
294
73
168
342
TOTALS
69
Section 6: Paths to Home Ownership including Part V Activity
SALE OF LOCAL AUTHORITY HOUSES
County
Councils (incl.
Borough and
Town Councils)
2002
2003
2004
2005
Carlow
Cavan
Clare
Cork
Donegal
D/L.-Rathdown
Fingal
Galway
Kerry
Kildare
Kilkenny
Laois
Leitrim
Limerick
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
South Dublin
South Tipperary
Waterford
Westmeath
Wexford
Wicklow
25
28
9
70
57
7
24
46
112
21
42
8
10
30
8
42
57
18
16
22
21
13
17
113
59
24
13
48
27
34
30
32
63
42
30
34
67
115
30
72
22
13
36
12
43
107
37
16
32
26
16
22
93
69
21
4
103
50
18
33
44
64
48
40
34
76
115
29
51
25
10
44
35
51
85
34
31
28
24
19
26
110
44
34
6
109
75
31
43
32
73
60
51
44
65
106
30
57
32
25
52
26
53
94
38
26
33
42
28
15
109
39
36
34
98
38
39
39
25
69
126
43
44
52
90
23
43
30
28
38
33
83
98
39
38
42
57
29
25
107
52
30
40
61
70
55
114
59
157
174
90
70
139
130
78
47
67
48
72
43
124
165
43
23
108
117
57
41
100
59
36
82
136
90
61
97
71
193
207
139
80
163
195
85
87
76
76
84
57
209
175
118
58
64
142
68
64
242
116
50
84
203
137
49
86
6
24
43
56
135
38
13
54
70
161
15
29
35
82
171
11
24
40
66
223
20
20
33
84
298
53
26
45
110
408
65
34
63
1,195
1,567
1,652
1,738
1,855
3,030
4,081
City Councils
Cork
Dublin
Galway
Limerick
Waterford
TOTALS
Sales completed
Sales
completed
2006
Note:- * i.e. Letter issued by housing authority to tenant offering sale of dwelling.
70
Sales
Applications
approved*
received
Section 7:
Social Housing Supports
LOCAL AUTHORITY HOUSING OUTPUT NEW BUILD
AND ACQUISITIONS BY AREA
County Councils
Completions
Acquisitions
Completed
**C
*Acquired **Commenced
(including
Borough &
Town Councils)
In
progress
at
2002
2003
2004
2005
2002
2003
2004
2005
2006
31 Dec 06
Carlow
12
111
54
48
18
6
16
40
16
13
20
188
Cavan
210
100
196
57
4
2
4
0
117
22
58
142
108
Clare
49
84
19
112
55
19
53
37
96
18
81
Cork
209
270
168
167
87
60
113
114
90
65
154
393
Donegal
549
181
164
306
11
5
13
29
215
53
323
414
D/L.-Rathdown
Fingal
59
180
50
15
26
4
1
1
33
1
155
390
132
248
175
95
5
0
0
7
143
4
45
313
Galway
103
85
93
129
22
14
26
25
79
50
122
217
Kerry
160
253
106
215
6
1
55
58
218
82
214
227
Kildare
148
107
104
170
7
27
11
15
172
14
189
328
Kilkenny
26
40
51
62
16
9
40
23
62
61
162
193
Laois
54
54
203
162
9
3
21
30
51
27
133
276
Leitrim
52
25
80
20
5
0
2
3
47
1
16
20
134
155
53
89
14
4
15
17
107
16
96
132
Limerick
Longford
107
64
41
122
20
12
27
51
61
51
86
161
Louth
156
172
126
137
6
2
44
27
127
79
296
406
Mayo
25
64
97
134
0
1
2
4
70
7
137
225
Meath
138
160
99
183
4
5
1
7
82
0
235
243
Monaghan
38
40
56
47
9
13
5
1
151
5
11
59
North Tipperary
97
65
131
69
4
2
10
8
67
22
14
38
110
127
29
82
11
3
11
24
54
14
102
173
78
105
22
46
11
4
5
12
195
10
83
138
Offaly
Roscommon
Sligo
66
94
127
65
22
15
33
28
74
31
83
125
South Dublin
93
61
244
261
15
3
20
9
428
20
155
733
69
123
78
136
5
0
10
3
39
3
105
157
152
74
54
25
0
0
19
38
108
42
65
101
South Tipperary
Waterford
54
100
113
27
10
1
25
25
37
20
18
115
Wexford
278
151
185
128
21
9
21
19
127
24
257
406
Wicklow
151
130
88
163
25
4
5
8
126
15
76
324
Westmeath
City Councils
Cork #
148
62
172
168
24
53
109
95
187
103
384
505
Dublin #
500
531
278
583
180
157
219
116
436
194
639
1,491
Galway
77
320
25
52
0
0
9
2
70
28
39
67
Limerick
13
16
32
62
16
17
26
25
19
28
19
52
Waterford
TOTALS
Notes:-
156
164
26
72
3
1
0
17
64
30
31
192
4,403
4,516
3,539
4,209
671
456
971
918
3,968
1,153
4,603
9,052
#
includes new build under regeneration projects for 2002 to 2006.
*
acquisitions by local authorities of second-hand houses.
**
includes units acquired under Part V, Planning and Development Acts 2000-2006 for local authority rental purposes.
In 2006 a further 405 properties have been acquired on long-term lease under the Rental Accommodation Scheme.
71
Section 7: Social Housing Supports
LOCAL AUTHORITY HOUSING OUTPUT NEW BUILD AND
ACQUISITIONS 2006
Breakdown by County Council, City Council, Borough Council and Town Council
County
Councils
(only)
**Completed
Carlow
Cavan
Clare
Cork(North)
Cork(South)
Cork(West)
Donegal
D/L.-Rathdown
Fingal
Galway
Kerry
Kildare
Kilkenny
Laois
Leitrim
Limerick
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
South Dublin
South Tipperary
Waterford
Westmeath
Wexford
Wicklow
Total (1)
**Commenced
14
101
48
50
16
1
128
33
143
79
155
172
47
51
47
107
61
4
61
71
100
67
26
195
69
428
28
99
37
70
30
2,538
7
10
11
19
18
10
26
1
4
50
32
5
41
27
1
16
27
32
4
0
5
12
11
10
14
20
0
19
14
0
0
446
20
31
81
8
99
18
320
155
45
122
141
189
145
133
16
96
86
58
107
235
8
9
29
83
16
155
85
44
18
146
76
2,774
City
Councils
Cork #
Dublin #
Galway
Limerick
Waterford
Total (2)
187
436
70
19
64
776
103
194
28
28
30
383
384
639
39
19
31
1,112
Borough
Councils
Clonmel
Drogheda
Kilkenny
Sligo
Wexford
Total (3)
0
6
15
5
5
31
0
37
20
17
18
92
0
157
17
67
21
262
Notes: #
*
**
72
*Acquired
Town
Councils **Completed
Arklow
9
Athlone
0
Athy
0
Ballina
5
Ballinasloe
0
Birr
0
Bray
29
Buncrana
0
Bundoran
23
Carlow
2
Carrickmacross
4
Carrick-on -Suir
1
Cashel
8
Castlebar
0
Castleblayney
16
Cavan
16
Clonakilty
0
Clones
5
Cobh
3
Dundalk
117
Dungarvan
9
Ennis
48
Enniscorthy
23
Fermoy
13
Kells
0
Killarney
0
Kilrush
0
Kinsale
0
Letterkenny
64
Listowel
14
Longford
0
Macroom
2
Mallow
0
Midleton
0
Monaghan
26
Naas
0
Navan
11
Nenagh
0
New Ross
29
Skibbereen
2
Templemore
0
Thurles
0
Tipperary
2
Tralee
49
Trim
0
Tullamore
28
Westport
4
Wicklow
58
Youghal
3
Total (4)
623
TOTAL (1+2+3+4) 3,968
*Acquired
0
6
8
0
0
3
6
19
1
6
0
2
1
3
0
12
7
0
1
10
23
3
4
0
0
0
4
0
7
5
24
3
4
1
0
1
0
3
2
1
2
5
0
45
0
0
0
9
1
232
1,153
**Commenced
0
0
0
7
0
24
0
0
0
0
0
12
8
0
0
27
0
0
0
81
21
0
40
0
0
0
0
0
3
2
0
0
0
0
3
0
0
2
50
2
3
0
0
71
0
49
23
0
27
455
4,603
includes new build under regeneration projects for 2002 to 2006.
acquisitions by local authorities of second-hand houses.
includes units acquired under Part V, Planning and Development Acts 2000-2006 for local authority
rental purposes.
In 2006 a further 405 properties have been acquired on long-term lease under the Rental Accommodation
Scheme.
Section 7: Social Housing Supports
IMPROVEMENT WORKS IN LIEU OF RE-HOUSING AND EXTENSIONS TO
LOCAL AUTHORITY HOUSES
County
Improvement works in lieu of re-housing
Extensions to Local Authority Houses
(incl. Borough
No of houses:-
No of extensions:-
and Town
completed in progress commenced
Councils
Councils)
in 2006
approved
at
at
but not
31 Dec 06
31 Dec 06
commenced
completed in progress commenced
in 2006
approved
at
at
but not
31 Dec 06
31 Dec 06
commenced
Carlow
2
1
1
0
1
1
2
0
Cavan
3
2
2
6
10
3
9
0
Clare
2
2
2
3
1
1
1
8
Cork
13
11
9
6
21
7
14
15
Donegal
14
4
12
9
4
3
5
9
0
0
0
0
10
0
9
5
D/L.-Rathdown
Fingal
0
0
0
0
1
0
0
0
13
15
12
4
19
8
9
24
Kerry
1
2
2
2
3
5
5
2
Kildare
0
0
0
0
8
4
4
2
Galway
Kilkenny
1
0
0
0
2
1
3
3
Laois
4
8
5
9
5
1
2
17
Leitrim
4
4
2
1
8
1
3
0
Limerick
5
0
1
4
1
0
1
0
Longford
3
1
1
1
6
2
6
4
Louth
0
0
0
1
5
1
5
3
Mayo
3
1
2
3
6
3
5
5
Meath
1
1
1
1
14
2
4
9
Monaghan
1
0
0
0
0
0
0
0
North Tipperary
3
1
3
1
10
2
10
7
Offaly
0
2
1
4
6
2
4
9
Roscommon
1
2
2
4
2
4
4
1
Sligo
14
15
8
8
3
2
4
0
South Dublin
0
0
0
0
0
0
0
0
South Tipperary
2
0
0
1
1
8
5
4
Waterford
1
0
0
0
7
2
9
3
Westmeath
2
0
0
1
6
4
7
2
Wexford
7
8
3
2
4
3
6
7
Wicklow
0
0
0
0
9
9
8
4
City Councils
Cork
0
0
0
0
0
0
0
0
Dublin
2
1
1
1
45
30
50
26
Galway
0
0
0
1
0
1
1
0
Limerick
11
5
9
4
7
6
10
7
1
0
0
0
1
0
1
0
114
86
79
77
226
116
206
176
Waterford
TOTALS
73
Section 7: Social Housing Supports
FIRST-TIME LETTINGS BY LOCAL AUTHORITIES
Breakdown by County Council, City Council, Borough Council and Town Council
2005
County Councils
only
74
First-Time
Lettings
2006
Casual
Vacancies
Total
Lettings
Carlow
47
Cavan
124
Clare
111
Cork (North)
111
Cork (South)
50
Cork (West)
50
Donegal
268
Dun Laoghaire-Rathdown
16
Fingal
30
Galway
97
Kerry
82
Kildare
98
Kilkenny
54
Laois
139
Leitrim
36
Limerick
98
Longford
59
Louth
65
Mayo
60
Meath
151
Monaghan
40
North Tipperary
30
Offaly
50
Roscommon
20
Sligo
43
South Dublin
253
South Tipperary
54
Waterford
56
Westmeath
23
Wexford
102
Wicklow
162
Total (1)
2,579
25
54
68
64
93
31
86
92
101
60
64
56
33
44
41
58
48
24
53
39
26
32
17
28
13
148
53
30
41
65
46
1,633
72
178
179
175
143
81
354
108
131
157
146
154
87
183
77
156
107
89
113
190
66
62
67
48
56
401
107
86
64
167
208
4,212
City Councils
Cork
Dublin
Galway
Limerick
Waterford
Total (2)
216
439
50
58
75
838
146
539
95
313
63
1,156
Borough Councils
Clonmel
Drogheda
Kilkenny
Sligo
Wexford
Total (3)
52
50
22
45
8
177
30
25
12
22
15
104
First-Time
Lettings
Casual
Vacancies
Total
Lettings
45
52
53
54
62
39
205
19
179
119
177
195
99
46
38
98
122
0
45
78
89
70
66
49
60
342
56
76
52
0
47
2,632
15
22
58
57
53
15
106
86
87
65
57
58
29
37
40
128
74
32
71
45
33
34
16
23
37
180
80
25
43
0
53
1,659
60
74
111
111
115
54
311
105
266
184
234
253
128
83
78
226
196
32
116
123
122
104
82
72
97
522
136
101
95
0
100
4,291
362
978
145
371
138
1,994
152
236
67
32
74
561
231
498
46
291
85
1,151
383
734
113
323
159
1,712
82
75
34
67
23
281
3
20
18
14
11
66
17
22
17
41
23
120
20
42
35
55
34
186
Section 7: Social Housing Supports
2005
Town Councils
First-Time
Lettings
Arklow
20
Athlone
100
Athy
6
Ballina
51
Ballinasloe
17
Birr
5
Bray
7
Buncrana
0
Bundoran
0
Carlow
11
Carrickmacross
14
Carrick-on -Suir
0
Cashel
16
Castlebar
4
Castleblayney
0
Cavan
30
Clonakilty
0
Clones
0
Cobh
4
Dundalk
60
Dungarvan
9
Ennis
0
Enniscorthy
30
Fermoy
0
Kells
0
Killarney
6
Kilrush
0
Kinsale
11
Letterkenny
4
Listowel
0
Longford
14
Macroom
9
Mallow
5
Midleton
0
Monaghan
0
Naas
1
Navan ( included in Meath)
0
Nenagh
48
New Ross
30
Skibbereen
4
Templemore
0
Thurles
2
Tipperary
4
Tralee
87
Trim
0
Tullamore
3
Westport
0
Wicklow
0
Youghal
0
Total (4)
612
TOTAL (1+2+3+4)
4,206
2006
Casual
Vacancies
Total
Lettings
15
20
23
8
15
4
16
7
1
11
3
5
3
8
2
20
9
2
4
40
12
47
20
4
2
2
0
5
18
2
32
11
17
5
8
21
0
3
25
2
8
35
26
39
1
12
10
4
10
597
3,490
35
120
29
59
32
9
23
7
1
22
17
5
19
12
2
50
9
2
8
100
21
47
50
4
2
8
0
16
22
2
46
20
22
5
8
22
0
51
55
6
8
37
30
126
1
15
10
4
10
1,209
7,696
First-Time
Lettings
0
4
12
4
17
3
31
0
23
29
1
3
9
1
16
5
1
0
4
124
26
48
23
13
0
6
0
3
21
12
7
3
2
0
13
1
0
2
30
1
3
3
2
67
2
4
4
60
3
646
3,905
Casual
Vacancies
Total
Lettings
0
27
10
4
15
7
21
7
2
6
8
13
5
9
4
5
3
2
10
65
34
34
10
15
6
6
0
2
27
12
17
3
10
3
11
14
0
3
6
11
6
15
23
54
5
6
6
10
7
579
3,509
0
31
22
8
32
10
52
7
25
35
9
16
14
10
20
10
4
2
14
189
60
82
33
28
6
12
0
5
48
24
24
6
12
3
24
15
0
5
36
12
9
18
25
121
7
10
10
70
10
1,225
7,414
75
Section 7: Social Housing Supports
NUMBER OF LOCAL AUTHORITY HOUSES LET AT 31 DECEMBER
Year
Authority
Rented Dwellings
2002
County Councils
City Councils
Town Councils
TOTAL
48,903
38,728
17,057
104,688
2003
County Councils
City Councils
Town Councils
TOTAL
50,387
39,058
17,808
107,253
2004
County Councils
City Councils
Town Councils
TOTAL
51,025
39,410
18,061
108,496
2005
County Councils
City Councils
Town Councils
TOTAL
52,420
39,115
18,244
109,779
2006
County Councils
City Councils
Town Councils
TOTAL
53,960
39,055
18,335
111,350
The figures for Town Councils include Borough Councils.
Average weekly rent of all dwellings 2002
2003
2004
2005
2006
Note:-
76
€ 29.62
€ 32.10
€ 35.75
€ 43.28
€ 42.14
Breakdown by area for the number of local authority houses let at 31 December 2006 is
available on the Department's website at www.environ.ie
Section 7: Social Housing Supports
LOCAL AUTHORITY MANAGEMENT AND MAINTENANCE EXPENDITURE
2001
M
€M
2002
M
€M
2003
M
€M
2004
M
€M
Rents
Net proceeds of Sales (to Revenue Account)
Miscellaneous
141.21
11.20
161.81
5.29
179.63
4.24
202.38
4.65
TOTAL
152.41
167.10
183.87
207.03
Maintenance & Management
202.59
221.64
237.98
263.22
TOTAL
202.59
221.64
237.98
263.22
RECEIPTS
EXPENDITURE
Note:-
Breakdown by area for local authority management and maintenance expenditure in 2004 is
available on the Department's website at www.environ.ie
Maintenance and Management figures for 2005 not available on time for publication.
77
Section 7: Social Housing Supports
VOLUNTARY AND CO-OPERATIVE HOUSING OUTPUT BY AREA
Capital Loan and Subsidy Scheme*
County
No. of houses:Councils
completed or
(including
acquired
Borough and
in 2006
Town Councils)
Carlow
Cavan
Clare
commenced
at
31 Dec 2006
No. of houses:completed or in progress
acquired
at
in 2006
31 Dec 2006
commenced
at
31 Dec 2006
0
4
25
40
0
0
0
0
0
0
12
5
45
8
11
15
8
16
Cork County
Cork City
Cork Total
0
0
0
195
30
225
110
2
112
66
96
162
80
0
80
58
0
58
Donegal
0
135
101
0
115
99
D/L-Rathdown
Fingal
South Dublin
Dublin City
Dublin Total
16
0
149
36
201
53
63
32
182
330
53
0
32
79
164
19
145
0
51
215
32
26
0
230
288
32
25
0
95
152
Galway County
Galway City
Galway Total
0
0
0
0
0
0
0
0
0
37
7
44
5
21
26
0
13
13
0
40
0
22
26
33
47
0
84
0
33
28
0
74
0
14
70
8
67
15
24
28
29
14
0
30
35
29
16
5
Limerick County
Limerick City
Limerick Total
0
0
0
42
0
42
0
0
0
25
9
34
52
24
76
33
23
56
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
South Tipperary
0
0
0
0
40
0
0
0
0
57
0
123
31
37
0
31
46
0
0
112
0
123
16
2
0
31
46
0
0
56
5
15
9
0
61
10
0
0
0
29
0
26
76
16
6
14
6
21
9
0
5
34
61
16
0
14
0
18
9
2
Waterford County
Waterford City
Waterford Total
26
0
26
0
1
1
0
1
1
0
8
8
15
23
38
15
26
41
0
0
0
0
0
8
0
0
8
1
0
15
27
8
14
28
8
12
441
1,325
795
799
1,005
780
Kerry
Kildare
Kilkenny
Laois
Leitrim
Westmeath
Wexford
Wicklow
TOTALS
Note:-
78
in progress
at
31 Dec 2006
Capital Assistance Scheme
* formerly known as Rental Subsidy scheme.
includes units acquired under Part V, Planning and Development Acts 2000-2006 for rental
purposes.
Section 7: Social Housing Supports
RENTAL ACCOMMODATION SCHEME (RAS) 2006
County Councils
(including Borough
and Town Councils)
No. of voluntary
& co-operative
housing cases
transferred from
SWA* Rent
Supplement
to RAS
Carlow
28
Cavan
Clare
Cork -see Cork City
No of Private
Total No of
No of cases
cases transferred cases transferred
transferred
from SWA
from SWA
from SWA
Rent Supplement Rent Supplement Rent Supplement
to RAS
to RAS
to other
social housing
options
Total No of
cases
transferred
from SWA
Rent Supplement
0
28
0
28
39
0
39
29
68
47
45
92
48
140
-
-
-
-
-
Donegal
65
5
70
444
514
D/L-Rathdown
17
15
32
17
49
0
17
17
105
122
Fingal
Galway
77
0
77
35
112
Kerry
19
16
35
132
167
Kildare
0
0
0
0
0
Kilkenny
93
7
100
62
162
Laois
43
1
44
17
61
5
0
5
29
34
Leitrim
Limerick
124
0
124
7
131
Longford
0
32
32
19
51
Louth
16
24
40
146
186
Mayo
95
0
95
33
128
Meath
25
0
25
14
39
Monaghan
34
0
34
42
76
North Tipperary
28
22
50
27
77
Offaly
21
30
51
9
60
Roscommon
42
0
42
15
57
Sligo
81
0
81
40
121
9
159
168
227
395
43
0
43
89
132
South Dublin
South Tipperary
Waterford
0
0
0
40
40
Westmeath
29
21
50
31
81
Wexford
70
4
74
124
198
Wicklow
16
13
29
59
88
City Councils
Cork City (incl. Co. Cos)
199
22
221
137
358
Dublin
431
238
669
78
747
Galway
81
99
180
66
246
Limerick
57
51
108
50
158
171
12
183
43
226
2,005
833
2,838
2,214
5,052
Waterford
TOTALS
The first transfers under Rental Accommodation Scheme (RAS) commenced in Quarter 4 2005.
* Supplementary Welfare Allowance
79
Traveller Accommodation
52
81
67
Offaly
69
Meath
North Tipperary
124
Mayo
Monaghan
172
129
Louth
Limerick
Longford
3
130
Leitrim
35
Kildare
61
32
Kerry
Laois
180
Galway
Kilkenny
67
215
Fingal
43
Cork
91
31
107
Clare
Dun/L.-Rathdown
27
Cavan
Donegal
40
Carlow
2004
68
86
53
76
101
139
182
136
3
78
34
32
184
226
70
43
97
124
36
31
37
2005
67
88
52
59
116
146
207
158
2
67
38
37
132
242
63
43
108
113
38
26
40
2006
Authority Housing
(incl. Borough &
Town Councils)
Standard Local
0
9
0
41
5
19
0
16
2
4
0
7
0
50
38
22
11
14
30
11
14
2004
0
9
0
41
7
20
0
16
3
4
0
6
0
49
34
22
11
14
30
18
12
2005
0
9
0
29
7
20
0
16
5
4
5
7
0
49
45
21
12
16
30
23
12
2006
Group Housing
Local Authority
23
4
20
5
15
30
15
28
1
7
13
0
50
29
0
0
1
15
30
0
6
2004
23
4
18
5
15
32
15
30
9
13
0
51
36
0
0
1
10
30
0
7
2005
23
4
18
0
16
34
16
30
0
10
12
0
70
43
0
0
0
11
28
0
13
2006
Local Authority
assisted by
Private Houses
5
0
0
9
4
8
4
0
0
3
3
0
0
7
0
0
3
1
3
0
1
2004
6
0
0
9
7
9
4
0
0
2
4
0
0
7
1
0
7
1
3
0
2
2005
5
0
2
15
8
9
4
0
0
2
4
0
1
6
1
0
0
2
6
0
3
2006
42
20
13
49
3
10
16
33
33
13
16
17
28
27
152
25
26
11
22
18
4
2004
37
19
7
47
11
16
10
31
27
17
17
29
28
20
113
29
17
19
29
0
7
2005
55
19
11
48
5
12
9
20
27
6
10
31
24
24
81
27
16
16
35
0
5
2006
Halting Sites
by Voluntary Bodies
with L.A. assistance
Local Authority
Accommodation provided
137
114
85
173
151
196
207
207
39
88
67
56
258
328
257
90
132
148
116
56
65
2004
134
118
78
178
141
216
211
213
33
110
68
67
263
338
218
94
133
168
128
49
65
2005
150
120
83
151
152
221
236
224
34
89
69
75
227
364
190
91
136
158
137
49
73
2006
of Local Authority
by or with assistance
Total Accommodated
27
33
2
4
43
13
9
81
0
9
9
28
7
41
7
11
3
37
18
3
3
2004
23
28
8
0
28
3
5
43
0
6
13
20
6
45
43
12
1
33
6
1
5
2005
25
26
0
6
27
8
10
53
0
8
14
10
9
33
66
5
0
40
15
1
6
2006
On Unauthorised sites
164
147
87
177
194
209
216
288
39
97
76
84
265
369
264
101
135
185
134
59
68
2004
157
146
86
178
169
219
216
256
33
116
81
87
269
383
261
106
134
201
134
50
70
175
146
83
157
179
229
246
277
34
97
83
85
236
397
256
96
136
198
152
50
79
2005 2006
on Unauthorised Sites
of Local Authority &
by or with assistance
Total Accommodated
TRAVELLER FAMILIES IN LOCAL AUTHORITY AND LOCAL AUTHORITY ASSISTED ACCOMMODATION AND
ON UNAUTHORISED SITES AT 24 NOVEMBER 2006
Section 8:
County Councils
80
Notes:-
TOTALS
Waterford
Limerick
Galway
Dublin
Cork
City Councils
Wicklow
3
96
128
181
2
95
2,878
151
7
96
2,753
Local Authority
582
0
9
26
157
9
12
28
6
0
8
24
0
10
2004
606
0
9
27
164
9
10
26
6
0
11
38
0
10
2005
642
0
9
26
182
9
12
25
6
0
11
43
0
9
2006
Group Housing
376
0
2
1
2
7
3
22
27
2
5
9
1
3
403
0
2
10
1
20
3
22
27
1
5
9
1
3
2005
433
0
2
10
1
20
3
22
28
1
5
9
0
4
2006
74
5
0
2
5
0
1
7
0
0
0
0
3
0
2004
87
5
0
2
5
0
1
7
0
0
1
0
4
0
2005
104
14
0
2
5
0
1
8
0
1
2
0
3
0
2006
with L.A. assistance
Local Authority
2004
by Voluntary Bodies
Accommodation provided
assisted by
Private Houses
1,321
21
42
44
159
62
30
23
37
11
21
232
34
27
2004
1,203
14
44
39
147
59
33
23
31
14
16
188
38
27
2005
1,131
13
52
37
119
64
31
19
42
10
16
184
36
27
2006
Halting Sites
Local Authority
5,106
122
60
224
434
226
113
190
141
25
83
394
71
53
2004
5,177
114
57
259
445
217
119
193
135
25
84
381
72
53
2005
5,251
123
66
258
451
226
125
196
151
20
86
394
71
55
2006
of Local Authority
by or with assistance
Total Accommodated
601
2
1
0
41
14
23
74
2
8
17
4
22
5
2004
589
8
1
0
72
7
35
72
0
7
18
15
20
5
2005
629
17
1
1
70
12
27
71
0
9
21
19
14
5
2006
On Unathorised sites
5,707
124
61
224
475
240
136
264
143
33
100
398
93
58
2004
"Family" is taken to mean parent(s) and/or children and relatives normally resident with them.
"Sharing housing accommodation" it is assumed that they are predominantly families sharing accommodation designed for single family occupancy.
"Group housing" is housing specifically designed to accommodate a number of traveller families.
"Unauthorised sites" includes families on the roadside, in private yards, gardens, fields and unofficial sites.
"Halting sites" includes permanent, temporary and transient sites.
(a) directly by local authorities (b) by voluntary bodies or travellers themselves with assistance of local authorities (c) traveller families on unauthorised site or other unserviced locations.
This page relates to numbers of traveller families, which have been accommodated:
number of travellers.
140
67
259
521
238
152
267
151
29
107
413
85
60
5,766 5,880
122
58
259
517
224
154
265
135
32
102
396
92
58
2005 2006
on Unauthorised Sites
of Local Authority &
by or with assistance
Total Accommodated
This information supplied by local authorities is for the purposes of monitoring progress made at local level in meeting the accommodation needs of traveller families and cannot be regarded as a census of the
2,941
183
144
129
133
78
111
72
67
122
75
8
52
158
32
15
2006
148
71
115
71
110
Westmeath
Wexford
51
10
49
12
Waterford
South Tipperary
146
29
33
129
South Dublin
13
2005
13
2004
Sligo
Roscommon
Town Councils)
Standard Local
Authority Housing
County Councils
(incl. Borough &
Section 8: Traveller Accommodation
81
82
65
56
116
148
132
90
257
328
258
56
67
88
39
207
207
196
151
173
85
114
137
53
71
Donegal
D/L-Rathdown
Fingal
Galway
Kerry
Kildare
Kilkenny
Laois
Leitrim
Limerick
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
2004
133
94
218
338
263
67
68
110
33
213
211
216
141
178
78
118
134
53
72
65
49
128
168
2005
136
91
190
364
227
75
69
89
34
224
236
221
152
151
83
120
150
55
71
73
49
137
158
2006
Total Accommodated
by or with assistance
of Local Authority *
Carlow
Cavan
Clare
Cork
County Councils
(incl. Borough
and Town Councils)
3
11
7
41
7
28
9
9
0
81
9
13
43
4
2
33
27
5
22
3
3
18
37
2004
1
12
43
45
6
20
13
6
0
43
5
3
28
0
8
28
23
5
20
5
1
6
33
2005
0
5
66
33
9
10
14
8
0
53
10
8
27
6
0
26
25
5
14
6
1
15
40
2006
On Unauthorised Sites *
0
0
0
4
15
15
5
5
0
100
25
31
8
0
1
0
4
0
0
10
0
2
10
2004
0
0
0
4
15
16
5
5
0
100
25
32
0
0
2
0
4
0
0
17
0
2
10
2005
0
0
0
10
16
15
6
2
0
100
27
33
0
0
2
1
4
0
0
12
0
3
9
2006
Own Resources
(Estimate)
29
0
35
29
5
7
6
13
9
10
17
40
18
5
6
5
14
4
2
3
0
29
18
2004
35
5
50
31
6
8
8
10
16
14
25
42
28
3
10
11
30
3
9
9
5
29
21
2005
41
8
69
51
47
15
11
12
19
12
28
53
56
29
15
9
35
6
18
8
9
17
30
2006
Private Rented
(Estimate)
5
0
5
16
8
3
5
5
0
52
23
15
12
3
2
3
2
11
11
14
2
20
19
2004
1
4
0
10
8
2
4
2
1
61
22
5
7
0
6
5
3
9
7
20
3
18
21
2005
7
5
4
12
6
2
6
10
2
50
20
17
8
6
9
4
6
4
8
20
4
15
36
2006
Sharing Housing
169
101
304
418
293
109
92
120
48
450
281
295
232
185
96
155
184
73
106
95
61
185
232
2004
170
115
311
428
298
113
98
133
50
431
288
298
204
181
104
162
194
70
108
116
58
183
253
2005
184
109
329
470
305
117
106
121
55
439
321
332
243
192
109
160
220
70
111
119
63
187
273
2006
Total Number of
Traveller Families
in all categories
of accommodation
TOTAL NUMBER OF TRAVELLER FAMILIES IN ALL CATEGORIES OF ACCOMMODATION AT
24 NOVEMBER 2006
Section 8: Traveller Accommodation
5,106
TOTALS
5,177
217
445
259
57
114
381
84
25
135
193
119
2005
5,251
226
451
258
66
123
394
86
20
151
196
125
2006
601
14
41
0
1
2
4
17
8
2
74
23
2004
589
7
72
0
1
8
15
18
7
0
72
35
2005
629
12
70
1
1
17
19
21
9
0
71
27
2006
On Unauthorised Sites *
464
2
0
1
0
32
25
7
1
73
86
2
2004
478
2
0
2
0
32
25
7
0
73
98
2
2005
485
2
0
2
0
32
25
7
0
73
102
2
2006
Own Resources
(Estimate)
486
14
13
41
6
10
55
4
1
14
20
4
2004
696
15
35
86
9
15
65
4
2
14
29
14
2005
935
20
35
105
8
17
68
7
1
18
43
15
2006
Private Rented
(Estimate)
334
11
22
14
3
5
4
4
0
5
28
2
2004
326
13
13
20
1
5
12
10
0
1
32
0
2005
391
15
23
26
1
0
9
13
0
1
41
1
2006
Sharing Housing
6,991
267
510
280
70
171
482
115
35
235
398
144
2004
7,266
254
565
367
68
174
498
123
34
223
424
170
2005
7,691
275
579
392
76
189
515
134
30
243
453
170
2006
Total Number of
Traveller Families
in all categories
of accommodation
This information supplied by local authorities is for the purposes of monitoring progress made at local level in meeting the accommodation needs of traveller families and
cannot be regarded as a census of the number of travellers.
This page is a summary table of the estimated total number of traveller families in the state on 24 November 2006. It includes those families on the previous page *, as well as:
(d) estimated number of families who have provided accommodation from their own resources (e) estimated number of families living in privated rented acommodation (f)
families sharing housing accommodation (incl. group houses/standard lettings).
"Unauthorised sites" includes families on the roadside, in private yards, gardens, fields and unofficial sites.
"Group housing" is housing specifically designed to accommodate a number of traveller families.
"Sharing housing accommodation" it is assumed that they are predominantly families sharing accommodation designed for single family occupancy.
"Family" is taken to mean parent(s) and/or children and relatives normally resident with them.
226
434
224
60
122
Cork
Dublin
Galway
Limerick
Waterford
Notes:-
394
83
25
141
190
113
2004
Total Accommodated
by or with assistance
of Local Authority *
South Dublin
South Tipperary
Waterford
Westmeath
Wexford
Wicklow
City Councils
County Councils
(incl. Borough
and Town Councils)
Section 8 Traveller Accommodation
83
Section 9:
Disabled Persons & Essential Repairs
Grants Paid
DISABLED PERSONS GRANTS PAID BY LOCAL AUTHORITIES
Year and
Quarter
Number
Value
€0000
2002
2003
2004
2005
2006
5,932
5,739
5,222
6,130
6,669
52,599
50,481
45,814
52,855
57,390
2004
Q1
Q2
Q3
Q4
1,152
1,181
1,337
1,552
10,121
10,347
10,456
14,891
2005
Q1
Q2
Q3
Q4
1,131
1,481
1,640
1,878
9,147
12,237
13,650
17,821
2006
Q1
Q2
Q3
Q4
1,386
1,794
1,568
1,921
10,687
14,229
13,663
18,811
ESSENTIAL REPAIRS GRANTS PAID BY LOCAL AUTHORITIES
Year and
Quarter
Number
Value
€0000
2002
2003
2004
2005
2006
3,274
2,842
2,075
2,545
2,905
16,099
13,303
9,585
11,788
14,313
2004
Q1
Q2
Q3
Q4
505
445
497
628
2,400
2,117
2,232
2,836
2005
Q1
Q2
Q3
Q4
404
542
649
950
1,754
2,393
2,999
4,642
2006
Q1
Q2
Q3
Q4
592
647
730
936
2,701
3,200
3,625
4,787
Disabled persons grants are payable by local authorities for works necessary for the proper accommodation of
a physically disabled, severely mentally handicapped or severely mentally ill person. The effective maximum
grant payable in respect of a private dwelling is €20,320 or 90% of the approved cost of adaptation, whichever
is less. The grant may cover the full cost of adapting a rented local authority dwelling. Two thirds of the
disabled persons grant paid is recouped to the local authority by the Department of the Environment, Heritage
and Local Government.
84
Section 9: Disabled Persons & Essential Repairs Grants Paid
DISABLED PERSONS & ESSENTIAL REPAIRS GRANTS PAID BY LOCAL
AUTHORITIES IN 2006
County
Councils
(including
Borough and
Town Councils)
Carlow
Cavan
Clare
Cork
Donegal
D/L-Rathdown
Fingal
Galway
Kerry
Kildare
Kilkenny
Laois
Leitrim
Limerick
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
South Dublin
South Tipperary
Waterford
Westmeath
Wexford
Wicklow
Disabled Persons Grants Paid
No. of:payments
approvals
applications
issued
issued
Essential Repairs Grants Paid
No. of :payments
approvals
applications
issued
issued
39
101
92
342
298
218
123
291
321
96
55
150
100
185
147
190
353
177
120
232
90
149
84
289
185
118
83
90
115
106
115
86
321
158
242
133
386
452
133
39
176
153
247
144
314
487
185
162
277
129
157
146
137
325
92
116
122
138
171
125
160
465
549
312
185
558
553
250
122
215
168
391
162
404
561
317
233
328
221
199
213
509
403
193
222
254
280
111
105
34
342
407
0
3
135
166
136
29
88
123
49
44
37
174
87
35
22
36
117
28
115
11
88
54
49
49
175
129
29
333
419
1
3
194
241
158
20
102
164
45
43
55
260
91
38
22
41
106
38
114
8
70
63
69
40
213
107
65
381
553
6
10
435
335
169
31
113
179
45
94
47
436
145
72
50
67
165
64
157
14
123
166
107
70
City Councils
Cork
Dublin
Galway
Limerick
Waterford
287
1,288
74
119
68
332
1,522
74
82
76
462
1,791
142
159
117
0
206
19
0
6
0
222
19
0
8
0
303
40
0
5
TOTALS
6,669
7,764
11,394
2,905
3,320
4,767
Disabled persons grants are payable by local authorities for works necessary for the proper accommodation
of physically disabled, severely mentally handicapped or severely mentally ill person. The effective
maximum grant payable in respect of a private dwelling is €20,320 or 90% of the approved cost of
adaptation, whichever is less. The grant may cover the full cost of adapting a rented local authority dwelling.
Two thirds of the disabled persons grant paid is recouped to the local authority by the Department of the
Environment, Heritage and Local Government.
85
Section 10: Private Rented Housing
ENFORCEMENT OF REQUIREMENTS FOR STANDARDS &
RENT BOOKS IN 2006
Standards
County
Councils
(including
Borough and
Town Councils)
86
Dwellings
Inspected
Inspections
carried out
Rent Books
Dwellings
Legal
Inspected
action
not meeting initiated
regulatory
requirements
Dwellings
inspected
where no
Rent Books
Notices
served
Legal
action
initiated
Carlow
Cavan
Clare
Cork
Donegal
Dun L.-Rathdown
Fingal
Galway
Kerry
Kildare
Kilkenny
Laois
Leitrim
Limerick
Longford
Louth
Mayo
Meath
Monaghan
North Tipperary
Offaly
Roscommon
Sligo
South Dublin
South Tipperary
Waterford
Westmeath
Wexford
Wicklow
39
1
174
1
1,102
201
550
86
242
220
43
9
202
0
192
270
127
0
0
60
102
40
9
426
3
71
40
19
71
39
1
174
1
1,102
281
675
86
242
220
43
9
202
0
192
270
127
0
0
60
102
40
9
426
3
71
40
19
71
0
1
34
0
0
114
8
0
4
8
3
0
0
0
67
0
1
0
0
0
12
2
0
80
1
0
0
1
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
124
3
0
69
0
0
0
0
0
9
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
1
3
0
0
0
0
0
0
0
9
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
City Councils
Cork
Dublin
Galway
Limerick
Waterford
TOTALS
780
2,506
129
308
341
8,364
780
3,639
158
412
341
9,835
351
995
10
4
0
1,697
0
22
8
6
0
36
0
2
0
0
0
208
0
2
0
0
0
16
0
0
0
0
0
0
Section 10: Private Rented Housing
PRIVATE RENTED HOUSING REGISTRATIONS
County Councils (including Borough
and Town Councils)
Carlow
Cavan
Number of Registrations at
31 December 2006
1,519
757
Clare
1,893
Cork
5,703
Donegal
1,251
Dun Laoghaire-Rathdown
8,341
Fingal
7,941
Galway
1,983
Kerry
2,963
Kildare
4,348
Kilkenny
1,310
Laois
Leitrim
814
529
Limerick
2,069
Longford
854
Louth
1,945
Mayo
1,604
Meath
2,028
Monaghan
515
North Tipperary
958
Offaly
999
Roscommon
734
Sligo
1,920
South Dublin
7,847
South Tipperary
1,545
Waterford
942
Westmeath
2,208
Wexford
2,781
Wicklow
3,160
City Councils
Cork
8,543
Dublin
39,422
Galway
8,121
Limerick
3,242
Waterford
2,054
TOTAL
132,843
This is the total number of tenancy registrations per housing authority area entered on the PRTB computer
system on 31 December 2006.
87
Section 11: Capital Investment in Housing
PUBLIC CAPITAL EXPENDITURE ON HOUSING MAIN CONSTITUENTS
2002
2003
2004
2005
2006
M
€M
M
€M
M
€M
M
€M
M
€M
Local Authority Housing
977.5
887.8
912.8
1081.9
1142.3
Voluntary & Co-operative Housing
171.0
212.6
185.1
168.7
185.5
Shared Ownership
225.3
140.1
127.8
129.1
100.4
House Purchase and Improvement Loans etc.
87.5
83.7
74.7
38.1
42.2
Private Housing Grants
80.3
93.2
60.3
39.5
40.9
Affordable Housing (including Part V)
60.3
150.7
122.8
124.8
137.7
Other Housing
16.6
15.9
19
20.7
25.6
1,618.5
1,584.0
1,502.5
1,602.8
1,674.6
TOTALS
CAPITAL FORMATION IN HOUSING (excluding site costs)
(r) 2002
(r) 2003
(r) 2004
(r) 2005
(p) 2006
M
€M
M
€M
M
€M
M
€M
M
€M
Gross National Product at market prices *
106,248
117,218
124,354
135,914
150,282
Gross Domestic fixed capital formation *
29,059
31,964
36,243
43,582
47,960
8,802
11,704
14,612
17,565
19,726
30%
37%
40%
40%
41%
8%
10%
12%
13%
13%
Capital formation in housing **
Capital formation in housing as a percentage
of gross domestic fixed capital formation
Capital formation in housing as a
percentage of gross national product
*
From CSO "National Accounts".
** From DKM - DEHLG "Review of the Construction Industry 2005 and Outlook 2006-2008".
(r) Revised
(p) Provisional
88
Appendix II
Summary of Social and Affordable Housing Schemes
An outline of the various schemes is provided below. Further information can be obtained from the
Department’s website (www.environ.ie) or from the websites and housing offices of local authorities.
Social Housing Schemes
There are a number of social housing options available to households who cannot meet their
accommodation needs fully from their own resources.
This includes social rented accommodation
provided by local authorities and voluntary and co-operative housing bodies, Rental Accommodation
Scheme and other social housing options. Applications for all schemes are made to the relevant local
authority.
Social Rented Accommodation provided by local authorities
Local authorities are the main providers of housing for people in need of housing who cannot afford
it from their resources. Applicants must be accepted as being in need of housing by the local authority
and houses are allocated based on a scheme of letting priorities. Rents are related to ability to pay.
Local authorities may also use other methods to respond to households in need of social housing.
Rental Accommodation Scheme
The Rental Accommodation Scheme is an additional housing option where an individual on long term
Social Welfare rent supplement, who has been assessed as having a long-term housing need, can be
accommodated in the private rented sector. Local Authorities, in liaison with the Community Welfare
Officers, are responsible for the operation of this scheme.
Improvement Works in lieu of local authority housing
Under this scheme, the local authority may improve or extend a privately owned house to eliminate
defects or to provide additional accommodation where it is necessary to eliminate overcrowding or to
accommodate a person not at present residing in the house. The scheme is can also be availed by local
authority tenants, tenant purchasers or certain voluntary housing tenants who move to a privately
owned house requiring improvement works. The scheme does not apply to improvements to private
rented houses.
The carrying out of the works must satisfy the housing needs of the household and result in their
removal from the housing waiting list. Persons benefiting under the scheme are required to pay a
weekly or monthly charge related to their means and the cost of the works carried out by the local
authority.
89
Local Authority Extensions Scheme
This scheme enables local authorities to extend rented local authority houses to cater for households
who would otherwise qualify for inclusion in a housing assessment. The scheme applies to rented local
authority houses, which can be economically extended to cater for persons accepted as in need of local
authority housing. It includes cases where the need is due to overcrowding, where an approved
applicant not living in the house can be adequately accommodated in the house after it has been
extended, and where a tenant or tenant purchaser surrenders a dwelling on being accommodated in
the extended house.
Voluntary Housing Bodies, including Co-Operative Housing
Voluntary and Co-operative housing is supported by local authorities and the Department of
Environment, Heritage and Local Government under two separate schemes which provide social
rented accommodation, as follows:
Capital Assistance Scheme
Under this scheme, voluntary housing bodies provide accommodation to meet special housing needs
such as those of older persons, people with a disability, homeless persons, or returning emigrants. The
approved voluntary housing bodies are responsible for tenancy allocations in consultation with the
local authorities. A minimum of 75% of the houses in each project are reserved for persons whose
applications for local authority housing have been approved by the local authority, homeless persons,
or local authority tenants and tenant purchasers who return their dwellings to the local authority.
However, one third of these may be allocated to eligible older returning emigrants. The remaining
houses in a project are let to people nominated by the voluntary housing body. Rents are determined
having regard to tenants means and the cost of managing and maintaining the dwellings.
Capital Loan and Subsidy Scheme
Under this scheme, voluntary housing bodies provide housing for renting, particularly to meet the
needs of low-income families. Not less than three-quarter of the dwelling units are let to households
that have qualified for local authority housing. Rents are determined taking account of household
earnings and circumstances. Tenants of the houses are centrally involved in the management of their
estates.
Affordable Housing Schemes
Affordable housing is provided under the Shared Ownership Scheme; 1999 Affordable Housing
Scheme; Part V of the Planning Development Acts 2000 – 2006; and the Sustaining Progress Affordable
Housing Initiative.
90
Other measures which assist people acquire their own home include the Mortgage Allowance Scheme;
Local Authority house purchase and improvement loans; Local Authority low cost housing sites and
under the Affordable Housing Initiative as provided for in the Sustaining Progress Partnership
Agreement. Local authority tenants can also purchase the dwelling they are renting from the local
authority through the tenant purchase scheme described earlier.
Shared Ownership Scheme
Shared ownership involves the purchase of a new or second hand home with the local authority
initially taking at least a 40% stake, which they rent to the beneficiary. The individual funds their
equity stake through a local authority loan. While they are buying a share in the home, ownership is
shared between themselves and the local authority. They make payments on a mortgage for the part
they own and pay rent to the local authority for the other part at a rate of 4.3% of the value of the share
in the ownership held by the local authority. The rent is increased annually by 4.5%.
To be eligible for the above schemes, a household must be:
•
In need of housing and satisfy an income test, that is a single income household’s gross income
should not exceed €40,000, while in the case of a two income household, that two and a half
times the gross income of the principal earner plus once the gross income of the subsidiary
earner should not exceed €100,000, or
•
Have been approved for local authority social housing, or
•
Be an existing local authority tenant or a tenant of voluntary or co-operative housing
associations in certain circumstances1
A graded subsidy towards the rent is available to shared owners whose household income in the
preceding tax year is €28,000 or less.
1999 Affordable Housing Scheme
Under the 1999 affordable housing scheme, local authorities provide newly built houses at a
discounted price on their own lands. A site subsidy of up to €50,000 a house is available from the
Department for the City Councils and the Dublin local authorities and €31,800 in other local
authorities to assist them in making houses affordable. The purchaser can also benefit from a loan of
up to 97% of the house price.
Eligibility for this scheme is based on the same criteria as for the shared ownership scheme. There is
also a graded subsidy towards the mortgage available to those households whose incomes in the
preceding tax year is €28,000 or less.
91
Anti-profiteering measure
In the event of an affordable dwelling provided under the 1999 Affordable Housing Scheme, being resold within 20 years, a "clawback" or anti-profiteering provision allows for the payment of a proportion
of the proceeds to the local authority. The percentage of the proceeds to be repaid will be equal to the
percentage discount originally received from the local authority, but this declines on a sliding scale
over time.
Affordable Housing under the Planning Acts – Part V Schemes
Part V of the Planning and Development Acts 2000 - 2006 requires, inter alia, that up to 20% of land
zoned for residential developments or for a mix of residential and other uses, is to be reserved to meet
social and affordable housing needs and be made available to the local authority at the existing use
value rather than development value. Part V applies only to planning permissions for developments
of 5 or more houses on zoned land of 0.1 hectares or more. It does not apply to developments by
voluntary housing bodies, or to one-off housing.
In addition to the options of providing land, units or sites within the proposed development,
agreements with developers may include the transfer of other land within its functional area; the
provision of new units on other lands within its functional area; the transfer of fully or partially
serviced sites to the local authority or to an approved housing association, the payment of money in
lieu or a combination of the above. While all of these options give considerable flexibility to planning
authorities and developers, the preferred option is the delivery of housing units, particularly on site to
achieve integrated mixed tenure developments.
Eligibility for Part V affordable housing is based on applicants being in need of accommodation and
their income not being adequate to meet the mortgage repayments on a market value house
appropriate to his or her accommodation needs because such payments would exceed 35% of that
person’s annual net income. In the case of a double income household, half the net income of any
subsidiary earner is taken into account in making this assessment. The same anti-profiteering or claw
back arrangements apply to affordable housing provided under Part V as with the 1999 affordable
housing scheme.
Affordable Housing Initiative
This initiative was introduced under the Sustaining Progress agreement to meet the needs of those who
would formerly have been able to purchase a house, but now find themselves priced out of the market.
The eligibility arrangements, including the anti-profiteering mechanism are the same as apply under
Part V.
Mortgage Allowance Scheme
Tenants or tenant purchasers of a local authority house returning their existing house to the local
92
authority and taking out a mortgage of at least €38,092 to purchase or build a house may qualify for a
mortgage allowance. The allowance is also available to certain tenants of voluntary housing
associations. The mortgage allowance is an allowance of up to €11,450 paid on a reducing basis over
5 years and is designed to ease the transition from rent to mortgage. The allowance is paid directly to
the mortgage lender so that the beneficiaries mortgage repayments are reduced by the amount of the
subsidy.
Tenant Purchase Scheme
Tenants of a local authority house for at least one year may apply to the relevant local authority to
purchase it either outright or by way of shared ownership. The price of the house will be its market
value, as determined by the local authority, in its existing state of repair and condition, less discounts.
The structural condition of the house is taken into account and any increase in the market value due to
improvements made to the house by the tenant will be disregarded in calculating the price. The
discount is 3% of the value of the house for each year of tenancy of a local authority house (up to a
maximum of 10 years), plus €3,809.
Low Cost Sites
Under this scheme, a local authority may make housing sites available at low cost to households been
approved for social housing by the local authority, or local authority tenants or tenant purchasers or
certain tenants of voluntary housing associations.
Voluntary Housing bodies providing houses under the Capital Assistance or Capital loan and Subsidy
Schemes may also avail of the sites scheme, as may persons taking shared ownership through a group
housing project sponsored by a housing co-operative or local authority.
Local authority loans for house purchase and improvements
Individuals who wish to purchase a house (new or second hand) in the ordinary way or to build a
house but cannot get a loan from a private lending institution may be eligible for a housing loan from
the local authority. In order to qualify, such individuals must:
•
Have been refused a loan from a bank or building society.
•
Meet an income eligibility test where a single income household’s gross income does not exceed
€40,000, while in the case of a two income household, that two and a half times the gross income
of the principal earner plus once the gross income of the subsidiary earner does not exceed
€100,000.
The maximum house purchase loan available is €185,000. For house improvements, maximum loans
of €38,000 (€50,000 on offshore islands), where the loan is secured by a mortgage on the house and
€15,000, where the loan is not secured, are available. A variable interest rate applies.
93
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