BLOG

What types of workers are lower income and need affordable housing options?

What types of workers are lower income and need affordable housing options?

Georgia Allan 27 Feb, 2020

In this blog, Georgia looks in further detail at the income bands many states are using in the housing affordability space. Just who falls into these bands? Are they ‘key workers’ for your local economy?

Looking for more tips, tricks and insights for understanding the housing story of your area? Check out our other housing blogs and free Housing Report Starter Guide.


Over the past year or so, I’ve written a lot about housing affordability. One of the main components of understanding housing affordability is understanding people’s incomes. For those in Victoria and New South Wales, the incomes to be used in the housing affordability space have been defined by the respective State Governments. In this context, the incomes have been broken into three bands, Very Low, Low and Moderate income. Something we get asked about all the time is what types of occupations fall into these income bands.

The assumption is that these income bands include ‘key workers’ which are often defined as including the following occupations:

  • School teachers
  • Midwifery and nursing professionals
  • Defence force members, fire fighters and police;
  • Health and welfare support workers;
  • Hospitality workers;
  • Child carers;
  • Cleaners and laundry workers; and
  • Automobile, bus and rail drivers.

These groups are generally considered important to support the future growth of the service sector economy. Of course, this definition will change from location to location and will depend on the economic role and function of a region.

So are key workers included in these income bands? I decided to take a look, using lone person households and weekly individual income in Greater Melbourne as an example. The table below shows some of the occupations that sit in each income band.

Very Low Low Moderate
NewStart recipient Photographers Journalists
Aged Pension recipient Religious Ministers School teachers
Private tutors Bakers and cooks Midwives and nurses
Cafe workers Vet nurses Social workers
Waiters Florists Mechanics
Sales assistants Hairdressers Plumbers
Pharmacy assistants Child carers Tourism and travel advisers
Checkout operators Aged and disability carers Bank workers
Domestic cleaners Receptionists Real estate agents
Fast food cooks Factory workers Bus drivers

So it looks as though the assumptions are correct – the prescribed income bands do include the majority of ‘key workers’. It’s really important to have affordable housing options in your local area for these workers, as they are vital to supporting your economy.

Looking for more tips, tricks and insights for understanding the housing story of your area? Check out our other housing blogs and free Housing Report Starter Guide.

Tags: Housing
Georgia Allan

Georgia completed a Masters in Population Studies and Demography at Flinders University in Adelaide. At .id, Georgia is a consultant in .id's housing team. She was heavily involved in the creation and continued development of housing.id, the online tool developed to give councils an accessible evidence base for planning and advocacy. Georgia has prepared housing demand and supply analysis for a range of councils, including those in inner-city, middle ring, growth and peri-urban areas. When not in the office, she is likely to be cooking, knitting, crocheting, or buried in a good book.

Leave a Reply