Social Sector Rents in Scotland

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APPENDIX F: AFFORDABILITY ANALYSES

Table 1 Affordability of bedsit dwellings for a single person household



Local authority area

Policy option

Rent

Lowest quintile earnings

Minimum Wage - Full Time

Minimum Wage - Part Time

Earnings

Ratios
%

Residual
Income

Housing
Benefit?

Earnings

Ratios
%

Residual
Income

Housing
Benefit?

Earnings

Ratios
%

Residual
Income

Housing
Benefit?

Aberdeen City

Baseline

£32.64

£300.50

13.8

£136.10

No

£194.00

18.7

£73.74

No

£97.00

29.3

£10.27

£9.79

Earnings

£41.80

17.6

£126.94

No

23.9

£64.58

No

34.7

£10.27

£18.95

Market Values

£39.77

16.8

£128.97

No

22.8

£66.61

No

33.6

£10.27

£16.92

Mix (75/25)

£41.30

17.4

£127.44

No

23.6

£65.08

No

34.4

£10.27

£18.45

Mix (90/10)

£41.60

17.5

£127.14

No

23.8

£64.78

No

34.6

£10.27

£18.75

Cut Off

£42.16

17.8

£126.58

No

24.1

£64.22

No

34.9

£10.27

£19.31

Aberdeenshire

Baseline

£31.46

£267.30

14.6

£115.04

No

£194.00

18.0

£74.92

No

£97.00

28.6

£10.27

£8.61

Earnings

£37.18

17.3

£109.32

No

21.3

£69.20

No

32.1

£10.27

£14.33

Market Values

£32.83

15.3

£113.67

No

18.8

£73.55

No

29.4

£10.27

£9.98

Mix (75/25)

£36.10

16.8

£110.40

No

20.7

£70.28

No

31.5

£10.27

£13.25

Mix (90/10)

£36.75

17.1

£109.75

No

21.0

£69.63

No

31.8

£10.27

£13.90

Cut Off

£35.12

16.3

£111.38

No

20.1

£71.26

No

30.9

£10.27

£12.27

Angus

Baseline

£33.94

£270.70

15.6

£114.83

No

£194.00

19.4

£72.44

No

£97.00

30.1

£10.27

£11.09

Earnings

£37.66

17.3

£111.11

No

21.5

£68.72

No

32.4

£10.27

£14.81

Market Values

£31.67

14.6

£117.10

No

18.1

£74.71

No

28.7

£10.27

£8.82

Mix (75/25)

£36.18

16.7

£112.59

No

20.7

£70.20

No

31.5

£10.27

£13.33

Mix (90/10)

£37.06

17.1

£111.71

No

21.2

£69.32

No

32.0

£10.27

£14.21

Cut Off

£35.48

16.3

£113.29

No

20.3

£70.90

No

31.1

£10.27

£12.63

Argyll & Bute

Baseline

£38.40

£272.10

17.6

£111.31

No

£194.00

22.0

£67.98

No

£97.00

32.8

£10.27

£15.55

Earnings

£37.85

17.4

£111.86

No

21.7

£68.53

No

32.5

£10.27

£15.00

Market Values

£32.71

15.0

£117.00

No

18.7

£73.67

No

29.4

£10.27

£9.86

Mix (75/25)

£36.58

16.8

£113.13

No

20.9

£69.80

No

31.7

£10.27

£13.73

Mix (90/10)

£37.34

17.1

£112.37

No

21.4

£69.04

No

32.2

£10.27

£14.49

Cut Off

£32.89

15.1

£116.82

No

18.8

£73.49

No

29.5

£10.27

£10.04

Clackmannanshire

Baseline

£40.30

£266.00

18.8

£105.32

No

£194.00

23.1

£66.08

No

£97.00

33.9

£10.27

£17.45

Earnings

£37.00

17.3

£108.62

No

21.2

£69.38

No

32.0

£10.27

£14.15

Market Values

£32.00

15.0

£113.62

No

18.3

£74.38

No

28.9

£10.27

£9.15

Mix (75/25)

£35.76

16.7

£109.86

No

20.5

£70.62

No

31.2

£10.27

£12.91

Mix (90/10)

£36.50

17.1

£109.12

No

20.9

£69.88

No

31.7

£10.27

£13.65

Cut Off

£37.32

17.4

£108.30

No

21.4

£69.06

No

32.2

£10.27

£14.47

Dumfries & Galloway

Baseline

£37.56

£249.50

18.5

£97.01

No

£194.00

21.5

£68.82

No

£97.00

32.3

£10.27

£14.71

Earnings

£34.70

17.1

£99.87

No

19.9

£71.68

No

30.6

£10.27

£11.85

Market Values

£35.14

17.3

£99.43

No

20.1

£71.24

No

30.9

£10.27

£12.29

Mix (75/25)

£34.83

17.2

£99.74

No

19.9

£71.55

No

30.7

£10.27

£11.98

Mix (90/10)

£34.75

17.1

£99.82

No

19.9

£71.63

No

30.6

£10.27

£11.90

Cut Off

£35.00

17.2

£99.57

No

20.0

£71.38

No

30.8

£10.27

£12.15

Dundee City

Baseline

£31.76

£269.80

14.7

£116.41

No

£194.00

18.2

£74.62

No

£97.00

28.8

£10.27

£8.91

Earnings

£37.53

17.3

£110.64

No

21.5

£68.85

No

32.3

£10.27

£14.68

Market Values

£30.34

14.0

£117.83

No

17.4

£76.04

No

27.8

£10.27

£7.49

Mix (75/25)

£35.74

16.5

£112.43

No

20.4

£70.64

No

31.2

£10.27

£12.89

Mix (90/10)

£36.82

17.0

£111.35

No

21.1

£69.56

No

31.9

£10.27

£13.97

Cut Off

£37.85

17.5

£110.32

No

21.7

£68.53

No

32.5

£10.27

£15.00

East Ayrshire

Baseline

£40.09

£274.60

18.2

£111.30

No

£194.00

22.9

£66.29

No

£97.00

33.8

£10.27

£17.24

Earnings

£38.20

17.4

£113.19

No

21.9

£68.18

No

32.7

£10.27

£15.35

Market Values

£24.94

11.3

£126.45

No

14.3

£81.44

No

24.1

£10.27

£2.09

Mix (75/25)

£34.90

15.9

£116.49

No

20.0

£71.48

No

30.7

£10.27

£12.05

Mix (90/10)

£36.88

16.8

£114.51

No

21.1

£69.50

No

31.9

£10.27

£14.03

Cut Off

£36.65

16.7

£114.74

No

21.0

£69.73

No

31.8

£10.27

£13.80

East Dunbartonshire

Baseline

£37.54

£272.70

17.2

£112.57

No

£194.00

21.5

£68.84

No

£97.00

32.3

£10.27

£14.69

Earnings

£37.94

17.4

£112.17

No

21.7

£68.44

No

32.5

£10.27

£15.09

Market Values

£51.94

23.8

£98.17

No

29.7

£54.44

No

39.8

£10.27

£29.09

Mix (75/25)

£41.46

19.0

£108.65

No

23.7

£64.92

No

34.5

£10.27

£18.61

Mix (90/10)

£39.34

18.0

£110.77

No

22.5

£67.04

No

33.3

£10.27

£16.49

Cut Off

£38.26

17.5

£111.85

No

21.9

£68.12

No

32.7

£10.27

£15.41

East Lothian

Baseline

£39.07

£298.40

16.6

£128.26

No

£194.00

22.4

£67.31

No

£97.00

33.2

£10.27

£16.22

Earnings

£41.51

17.6

£125.82

No

23.8

£64.87

No

34.5

£10.27

£18.66

Market Values

£50.35

21.4

£116.98

No

28.8

£56.03

No

39.0

£10.27

£27.50

Mix (75/25)

£43.74

18.6

£123.59

No

25.0

£62.64

No

35.7

£10.27

£20.89

Mix (90/10)

£42.40

18.0

£124.93

No

24.3

£63.98

No

35.0

£10.27

£19.55

Cut Off

£41.86

17.8

£125.47

No

24.0

£64.52

No

34.7

£10.27

£19.01

East Renfrewshire

Baseline

£46.33

£251.00

22.7

£89.24

No

£194.00

26.5

£60.05

No

£97.00

37.1

£10.27

£23.48

Earnings

£34.91

17.1

£100.66

No

20.0

£71.47

No

30.7

£10.27

£12.06

Market Values

£55.90

27.4

£79.67

No

32.0

£50.48

No

41.5

£10.27

£33.05

Mix (75/25)

£40.18

19.7

£95.39

No

23.0

£66.20

No

33.8

£10.27

£17.33

Mix (90/10)

£37.02

18.1

£98.55

No

21.2

£69.36

No

32.0

£10.27

£14.17

Cut Off

£35.22

17.3

£100.35

No

20.2

£71.16

No

30.9

£10.27

£12.37

Edinburgh, City of

Baseline

£40.58

£290.10

17.6

£121.19

No

£194.00

23.2

£65.80

No

£97.00

34.0

£10.27

£17.73

Earnings

£40.35

17.5

£121.42

No

23.1

£66.03

No

33.9

£10.27

£17.50

Market Values

£63.87

27.7

£97.90

No

36.5

£42.51

No

44.8

£10.27

£41.02

Mix (75/25)

£46.26

20.1

£115.51

No

26.5

£60.12

No

37.0

£10.27

£23.41

Mix (90/10)

£42.71

18.6

£119.06

No

24.4

£63.67

No

35.2

£10.27

£19.86

Cut Off

£40.70

17.7

£121.07

No

23.3

£65.68

No

34.1

£10.27

£17.85

Eilean Siar

Baseline

£39.79

£241.30

20.1

£89.29

No

£194.00

22.8

£66.59

No

£97.00

33.6

£10.27

£16.94

Earnings

£33.57

17.0

£95.51

No

19.2

£72.81

No

29.9

£10.27

£10.72

Market Values

£24.36

12.3

£104.72

No

13.9

£82.02

No

23.6

£10.27

£1.51

Mix (75/25)

£31.27

15.8

£97.81

No

17.9

£75.11

No

28.4

£10.27

£8.42

Mix (90/10)

£32.65

16.5

£96.43

No

18.7

£73.73

No

29.3

£10.27

£9.80

Cut Off

£33.85

17.1

£95.23

No

19.4

£72.53

No

30.1

£10.27

£11.00

Falkirk

Baseline

£33.70

£267.60

15.7

£113.00

No

£194.00

19.3

£72.68

No

£97.00

30.0

£10.27

£10.85

Earnings

£37.22

17.3

£109.48

No

21.3

£69.16

No

32.1

£10.27

£14.37

Market Values

£32.51

15.1

£114.19

No

18.6

£73.87

No

29.2

£10.27

£9.66

Mix (75/25)

£36.06

16.8

£110.64

No

20.6

£70.32

No

31.4

£10.27

£13.21

Mix (90/10)

£36.76

17.1

£109.94

No

21.0

£69.62

No

31.8

£10.27

£13.91

Cut Off

£37.54

17.5

£109.16

No

21.5

£68.84

No

32.3

£10.27

£14.69

Fife

Baseline

£38.59

£258.70

18.5

£102.14

No

£194.00

22.1

£67.79

No

£97.00

32.9

£10.27

£15.74

Earnings

£35.98

17.2

£104.75

No

20.6

£70.40

No

31.4

£10.27

£13.13

Market Values

£32.48

15.5

£108.25

No

18.6

£73.90

No

29.2

£10.27

£9.63

Mix (75/25)

£35.12

16.8

£105.61

No

20.1

£71.26

No

30.9

£10.27

£12.27

Mix (90/10)

£35.64

17.0

£105.09

No

20.4

£70.74

No

31.2

£10.27

£12.79

Cut Off

£36.30

17.4

£104.43

No

20.8

£70.08

No

31.6

£10.27

£13.45

Glasgow, City of

Baseline

£40.90

£276.90

18.5

£112.03

No

£194.00

23.4

£65.48

No

£97.00

34.2

£10.27

£18.05

Earnings

£38.52

17.4

£114.41

No

22.0

£67.86

No

32.9

£10.27

£15.67

Market Values

£41.88

18.9

£111.05

No

24.0

£64.50

No

34.7

£10.27

£19.03

Mix (75/25)

£39.38

17.8

£113.55

No

22.5

£67.00

No

33.4

£10.27

£16.53

Mix (90/10)

£38.86

17.6

£114.07

No

22.2

£67.52

No

33.1

£10.27

£16.01

Cut Off

£38.85

17.6

£114.08

No

22.2

£67.53

No

33.1

£10.27

£16.00

Highland

Baseline

£35.53

£260.00

16.9

£106.07

No

£194.00

20.3

£70.85

No

£97.00

31.1

£10.27

£12.68

Earnings

£36.17

17.2

£105.43

No

20.7

£70.21

No

31.5

£10.27

£13.32

Market Values

£37.31

17.8

£104.29

No

21.3

£69.07

No

32.2

£10.27

£14.46

Mix (75/25)

£36.46

17.4

£105.14

No

20.9

£69.92

No

31.7

£10.27

£13.61

Mix (90/10)

£36.29

17.3

£105.31

No

20.8

£70.09

No

31.6

£10.27

£13.44

Cut Off

£36.47

17.4

£105.13

No

20.9

£69.91

No

31.7

£10.27

£13.62

Inverclyde

Baseline

£47.14

£257.50

22.6

£92.79

No

£194.00

27.0

£59.24

No

£97.00

37.5

£10.27

£24.29

Earnings

£35.82

17.2

£104.11

No

20.5

£70.56

No

31.3

£10.27

£12.97

Market Values

£33.30

16.0

£106.63

No

19.1

£73.08

No

29.7

£10.27

£10.45

Mix (75/25)

£35.20

16.9

£104.73

No

20.1

£71.18

No

30.9

£10.27

£12.35

Mix (90/10)

£35.58

17.1

£104.35

No

20.4

£70.80

No

31.1

£10.27

£12.73

Cut Off

£36.13

17.3

£103.80

No

20.7

£70.25

No

31.5

£10.27

£13.28

Midlothian

Baseline

£39.30

£268.50

18.2

£108.00

No

£194.00

22.5

£67.08

No

£97.00

33.3

£10.27

£16.45

Earnings

£37.35

17.3

£109.95

No

21.4

£69.03

No

32.2

£10.27

£14.50

Market Values

£45.09

20.9

£102.21

No

25.8

£61.29

No

36.4

£10.27

£22.24

Mix (75/25)

£39.30

18.2

£108.00

No

22.5

£67.08

No

33.3

£10.27

£16.45

Mix (90/10)

£38.13

17.7

£109.17

No

21.8

£68.25

No

32.6

£10.27

£15.28

Cut Off

£37.66

17.5

£109.64

No

21.5

£68.72

No

32.4

£10.27

£14.81

Moray

Baseline

£21.49

£252.40

10.5

£115.02

No

£194.00

12.3

£84.89

No

£97.00

21.2

£11.64

No

Earnings

£35.11

17.1

£101.40

No

20.1

£71.27

No

30.9

£10.27

£12.26

Market Values

£32.42

15.8

£104.09

No

18.5

£73.96

No

29.2

£10.27

£9.57

Mix (75/25)

£34.45

16.8

£102.06

No

19.7

£71.93

No

30.5

£10.27

£11.60

Mix (90/10)

£34.85

17.0

£101.66

No

19.9

£71.53

No

30.7

£10.27

£12.00

Cut Off

£35.41

17.3

£101.10

No

20.3

£70.97

No

31.0

£10.27

£12.56

North Ayrshire

Baseline

£38.57

£276.60

17.4

£114.16

No

£194.00

22.1

£67.81

No

£97.00

32.9

£10.27

£15.72

Earnings

£38.48

17.4

£114.25

No

22.0

£67.90

No

32.8

£10.27

£15.63

Market Values

£27.62

12.5

£125.11

No

15.8

£78.76

No

26.0

£10.27

£4.77

Mix (75/25)

£35.77

16.2

£116.96

No

20.5

£70.61

No

31.3

£10.27

£12.92

Mix (90/10)

£37.39

16.9

£115.34

No

21.4

£68.99

No

32.2

£10.27

£14.54

Cut Off

£36.35

16.4

£116.38

No

20.8

£70.03

No

31.6

£10.27

£13.50

North Lanarkshire

Baseline

£40.06

£266.00

18.7

£105.56

No

£194.00

22.9

£66.32

No

£97.00

33.7

£10.27

£17.21

Earnings

£37.00

17.3

£108.62

No

21.2

£69.38

No

32.0

£10.27

£14.15

Market Values

£30.29

14.2

£115.33

No

17.3

£76.09

No

27.8

£10.27

£7.44

Mix (75/25)

£35.34

16.5

£110.28

No

20.2

£71.04

No

31.0

£10.27

£12.49

Mix (90/10)

£36.34

17.0

£109.28

No

20.8

£70.04

No

31.6

£10.27

£13.49

Cut Off

£37.32

17.4

£108.30

No

21.4

£69.06

No

32.2

£10.27

£14.47

Orkney Islands

Baseline

£36.89

£255.60

17.8

£101.77

No

£194.00

21.1

£69.49

No

£97.00

31.9

£10.27

£14.04

Earnings

£35.55

17.2

£103.11

No

20.3

£70.83

No

31.1

£10.27

£12.70

Market Values

£34.18

16.5

£104.48

No

19.6

£72.20

No

30.3

£10.27

£11.33

Mix (75/25)

£35.22

17.0

£103.44

No

20.2

£71.16

No

30.9

£10.27

£12.37

Mix (90/10)

£35.42

17.1

£103.24

No

20.3

£70.96

No

31.0

£10.27

£12.57

Cut Off

£35.86

17.3

£102.80

No

20.5

£70.52

No

31.3

£10.27

£13.01

Perth & Kinross

Baseline

£37.40

£248.10

18.5

£96.23

No

£194.00

21.4

£68.98

No

£97.00

32.2

£10.27

£14.55

Earnings

£34.51

17.1

£99.12

No

19.7

£71.87

No

30.5

£10.27

£11.66

Market Values

£36.71

18.2

£96.92

No

21.0

£69.67

No

31.8

£10.27

£13.86

Mix (75/25)

£35.07

17.4

£98.56

No

20.1

£71.31

No

30.8

£10.27

£12.22

Mix (90/10)

£34.74

17.2

£98.89

No

19.9

£71.64

No

30.6

£10.27

£11.89

Cut Off

£34.81

17.2

£98.82

No

19.9

£71.57

No

30.7

£10.27

£11.96

Renfrewshire

Baseline

£35.45

£284.60

15.7

£122.64

No

£194.00

20.3

£70.93

No

£97.00

31.1

£10.27

£12.60

Earnings

£39.59

17.5

£118.50

No

22.7

£66.79

No

33.5

£10.27

£16.74

Market Values

£38.87

17.2

£119.22

No

22.2

£67.51

No

33.1

£10.27

£16.02

Mix (75/25)

£39.42

17.4

£118.67

No

22.6

£66.96

No

33.4

£10.27

£16.57

Mix (90/10)

£39.52

17.4

£118.57

No

22.6

£66.86

No

33.4

£10.27

£16.67

Cut Off

£39.93

17.6

£118.16

No

22.8

£66.45

No

33.7

£10.27

£17.08

Scottish Borders

Baseline

£38.72

£239.40

19.7

£89.08

No

£194.00

22.2

£67.66

No

£97.00

33.0

£10.27

£15.87

Earnings

£33.30

17.0

£94.50

No

19.1

£73.08

No

29.7

£10.27

£10.45

Market Values

£30.06

15.3

£97.74

No

17.2

£76.32

No

27.6

£10.27

£7.21

Mix (75/25)

£32.50

16.6

£95.30

No

18.6

£73.88

No

29.2

£10.27

£9.65

Mix (90/10)

£32.98

16.8

£94.82

No

18.9

£73.40

No

29.5

£10.27

£10.13

Cut Off

£31.77

16.2

£96.03

No

18.2

£74.61

No

28.8

£10.27

£8.92

Shetland Islands

Baseline

£29.38

£317.30

11.8

£150.62

No

£194.00

16.8

£77.00

No

£97.00

27.2

£10.27

£6.53

Earnings

£44.14

17.8

£135.86

No

25.3

£62.24

No

35.9

£10.27

£21.29

Market Values

£29.59

11.9

£150.41

No

16.9

£76.79

No

27.3

£10.27

£6.74

Mix (75/25)

£40.51

16.3

£139.49

No

23.2

£65.87

No

34.0

£10.27

£17.66

Mix (90/10)

£42.69

17.2

£137.31

No

24.4

£63.69

No

35.2

£10.27

£19.84

Cut Off

£31.99

12.9

£148.01

No

18.3

£74.39

No

28.9

£10.27

£9.14

South Ayrshire

Baseline

£39.74

£268.70

18.4

£107.69

No

£194.00

22.7

£66.64

No

£97.00

33.6

£10.27

£16.89

Earnings

£37.38

17.3

£110.05

No

21.4

£69.00

No

32.2

£10.27

£14.53

Market Values

£38.15

17.7

£109.28

No

21.8

£68.23

No

32.7

£10.27

£15.30

Mix (75/25)

£37.58

17.4

£109.85

No

21.5

£68.80

No

32.3

£10.27

£14.73

Mix (90/10)

£37.46

17.4

£109.97

No

21.4

£68.92

No

32.3

£10.27

£14.61

Cut Off

£36.11

16.7

£111.32

No

20.7

£70.27

No

31.5

£10.27

£13.26

South Lanarkshire

Baseline

£34.17

£277.50

15.4

£119.16

No

£194.00

19.6

£72.21

No

£97.00

30.3

£10.27

£11.32

Earnings

£38.60

17.4

£114.73

No

22.1

£67.78

No

32.9

£10.27

£15.75

Market Values

£36.65

16.5

£116.68

No

21.0

£69.73

No

31.8

£10.27

£13.80

Mix (75/25)

£38.13

17.2

£115.20

No

21.8

£68.25

No

32.6

£10.27

£15.28

Mix (90/10)

£38.41

17.3

£114.92

No

22.0

£67.97

No

32.8

£10.27

£15.56

Cut Off

£38.93

17.6

£114.40

No

22.3

£67.45

No

33.1

£10.27

£16.08

Stirling

Baseline

£37.20

£262.80

17.6

£106.28

No

£194.00

21.3

£69.18

No

£97.00

32.1

£10.27

£14.35

Earnings

£36.56

17.3

£106.92

No

20.9

£69.82

No

31.7

£10.27

£13.71

Market Values

£44.46

21.0

£99.02

No

25.4

£61.92

No

36.1

£10.27

£21.61

Mix (75/25)

£38.55

18.2

£104.93

No

22.1

£67.83

No

32.9

£10.27

£15.70

Mix (90/10)

£37.35

17.6

£106.13

No

21.4

£69.03

No

32.2

£10.27

£14.50

Cut Off

£36.86

17.4

£106.62

No

21.1

£69.52

No

31.9

£10.27

£14.01

West Dunbartonshire

Baseline

£32.40

£248.80

16.0

£101.70

No

£194.00

18.5

£73.98

No

£97.00

29.2

£10.27

£9.55

Earnings

£34.61

17.1

£99.49

No

19.8

£71.77

No

30.6

£10.27

£11.76

Market Values

£35.84

17.7

£98.26

No

20.5

£70.54

No

31.3

£10.27

£12.99

Mix (75/25)

£34.93

17.2

£99.17

No

20.0

£71.45

No

30.7

£10.27

£12.08

Mix (90/10)

£34.74

17.2

£99.36

No

19.9

£71.64

No

30.6

£10.27

£11.89

Cut Off

£34.90

17.2

£99.20

No

20.0

£71.48

No

30.7

£10.27

£12.05

West Lothian

Baseline

£37.90

£272.90

17.3

£112.35

No

£194.00

21.7

£68.48

No

£97.00

32.5

£10.27

£15.05

Earnings

£37.96

17.4

£112.29

No

21.7

£68.42

No

32.5

£10.27

£15.11

Market Values

£35.06

16.0

£115.19

No

20.1

£71.32

No

30.8

£10.27

£12.21

Mix (75/25)

£37.25

17.0

£113.00

No

21.3

£69.13

No

32.1

£10.27

£14.40

Mix (90/10)

£37.68

17.2

£112.57

No

21.6

£68.70

No

32.4

£10.27

£14.83

Cut Off

£38.29

17.5

£111.96

No

21.9

£68.09

No

32.7

£10.27

£15.44

Notes : Based on tax and benefit rates in 2005/06 and the level of the minimum wage at April 2005 (£4.85 per hour). Full time is 40 hours (£194.00); part time is 20 hours (£97.00).

Page updated: Tuesday, November 06, 2007