Appendix 5: Data used to generate Figures 1 and 2
Residential rates postponement.
Scenario output
| Land value | Improvements | Capital value | Rates |
|---|---|---|---|
| $177,000 | $208,000 | $385,000 | $1,510 |
Equity in home after 10 years
| Interest rate | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Property value growth |
|
5% | 6% | 7% | 8% | 9% | 10% | 11% | 12% |
| -5% | 89% | 88% | 88% | 87% | 87% | 86% | 85% | 84% | |
| -4% | 90% | 90% | 89% | 88% | 88% | 87% | 87% | 86% | |
| -3% | 91% | 91% | 90% | 90% | 89% | 88% | 88% | 87% | |
| -2% | 92% | 92% | 91% | 91% | 90% | 90% | 89% | 88% | |
| -1% | 93% | 92% | 92% | 92% | 91% | 91% | 90% | 90% | |
| 0% | 93% | 93% | 93% | 92% | 92% | 91% | 91% | 91% | |
| 1% | 94% | 94% | 93% | 93% | 93% | 92% | 92% | 91% | |
| 2% | 95% | 94% | 94% | 94% | 93% | 93% | 93% | 92% | |
| 3% | 95% | 95% | 95% | 94% | 94% | 94% | 93% | 93% | |
| 4% | 96% | 95% | 95% | 95% | 95% | 94% | 94% | 94% | |
| 5% | 96% | 96% | 96% | 95% | 95% | 95% | 94% | 94% | |
| 6% | 96% | 96% | 96% | 96% | 95% | 95% | 95% | 95% | |
| 7% | 97% | 96% | 96% | 96% | 96% | 96% | 95% | 95% | |
| 8% | 97% | 97% | 97% | 96% | 96% | 96% | 96% | 96% |
Scenario output
| Land value | Improvements | Capital value | Rates |
|---|---|---|---|
| $61,000 | $52,000 | $113,000 | $1,197 |
Equity in home after 10 years
| Interest rate | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Property value growth |
|
5% | 6% | 7% | 8% | 9% | 10% | 11% | 12% |
| -5% | 70% | 68% | 67% | 65% | 63% | 61% | 59% | 57% | |
| -4% | 73% | 72% | 70% | 68% | 67% | 65% | 63% | 61% | |
| -3% | 76% | 74% | 73% | 72% | 70% | 68% | 67% | 65% | |
| -2% | 78% | 77% | 76% | 74% | 73% | 71% | 70% | 68% | |
| -1% | 80% | 79% | 78% | 77% | 76% | 74% | 73% | 71% | |
| 0% | 82% | 81% | 80% | 79% | 78% | 77% | 75% | 74% | |
| 1% | 84% | 83% | 82% | 81% | 80% | 79% | 78% | 76% | |
| 2% | 85% | 84% | 84% | 83% | 82% | 81% | 80% | 79% | |
| 3% | 87% | 86% | 85% | 84% | 84% | 83% | 82% | 81% | |
| 4% | 88% | 87% | 87% | 86% | 85% | 84% | 83% | 82% | |
| 5% | 89% | 88% | 88% | 87% | 86% | 86% | 85% | 84% | |
| 6% | 90% | 89% | 89% | 88% | 88% | 87% | 86% | 85% | |
| 7% | 91% | 90% | 90% | 89% | 89% | 88% | 87% | 87% | |
| 8% | 92% | 91% | 91% | 90% | 90% | 89% | 89% | 88% |
Scenario output
| Land value | Improvements | Capital value | Rates |
|---|---|---|---|
| $177,000 | $208,000 | $385,000 | $1,510 |
Equity in home after 20 years
| Interest rate | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Property value growth |
|
5% | 6% | 7% | 8% | 9% | 10% | 11% | 12% |
| -5% | 43% | 36% | 29% | 20% | 11% | 0% | -13% | -27% | |
| -4% | 53% | 48% | 42% | 35% | 27% | 19% | 9% | -3% | |
| -3% | 62% | 58% | 53% | 47% | 41% | 34% | 26% | 16% | |
| -2% | 69% | 66% | 62% | 57% | 52% | 46% | 39% | 32% | |
| -1% | 75% | 72% | 69% | 65% | 61% | 56% | 51% | 44% | |
| 0% | 79% | 77% | 74% | 71% | 68% | 64% | 60% | 55% | |
| 1% | 83% | 81% | 79% | 77% | 74% | 71% | 67% | 63% | |
| 2% | 86% | 85% | 83% | 81% | 78% | 76% | 73% | 69% | |
| 3% | 89% | 87% | 86% | 84% | 82% | 80% | 78% | 75% | |
| 4% | 91% | 90% | 88% | 87% | 85% | 84% | 82% | 79% | |
| 5% | 92% | 91% | 90% | 89% | 88% | 86% | 85% | 83% | |
| 6% | 94% | 93% | 92% | 91% | 90% | 89% | 87% | 86% | |
| 7% | 95% | 94% | 93% | 93% | 92% | 91% | 90% | 88% | |
| 8% | 96% | 95% | 95% | 94% | 93% | 92% | 91% | 90% |
Scenario output
| Land value | Improvements | Capital value | Rates |
|---|---|---|---|
| $61,000 | $52,000 | $113,000 | $1,197 |
Equity in home after 20 years
| Interest rate | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Property value growth |
|
5% | 6% | 7% | 8% | 9% | 10% | 11% | 12% |
| -5% | -57% | -75% | -95% | -118% | -145% | -175% | -209% | -248% | |
| -4% | -27% | -42% | -58% | -77% | -99% | -123% | -151% | -182% | |
| -3% | -3% | -15% | -29% | -44% | -61% | -81% | -104% | -129% | |
| -2% | 16% | 6% | -5% | -17% | -31% | -48% | -66% | -87% | |
| -1% | 31% | 23% | 14% | 4% | -7% | -20% | -35% | -52% | |
| 0% | 44% | 37% | 30% | 22% | 12% | 1% | -11% | -25% | |
| 1% | 54% | 49% | 43% | 36% | 28% | 19% | 9% | -2% | |
| 2% | 62% | 58% | 53% | 47% | 41% | 34% | 25% | 16% | |
| 3% | 69% | 65% | 61% | 57% | 51% | 45% | 39% | 31% | |
| 4% | 74% | 71% | 68% | 64% | 60% | 55% | 49% | 43% | |
| 5% | 79% | 76% | 74% | 70% | 67% | 63% | 58% | 53% | |
| 6% | 82% | 80% | 78% | 76% | 73% | 69% | 65% | 61% | |
| 7% | 85% | 84% | 82% | 80% | 77% | 75% | 71% | 68% | |
| 8% | 88% | 87% | 85% | 83% | 81% | 79% | 76% | 73% |
Scenario output
| Land value | Improvements | Capital value | Rates |
|---|---|---|---|
| $177,000 | $208,000 | $385,000 | $1,510 |
Equity in home after 30 years
| Interest rate | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Property value growth |
|
5% | 6% | 7% | 8% | 9% | 10% | 11% | 12% |
| -5% | -130% | -172% | -224% | -288% | -365% | -461% | -577% | -721% | |
| -4% | -68% | -99% | -137% | -183% | -240% | -309% | -395% | -499% | |
| -3% | -23% | -46% | -74% | -108% | -149% | -200% | -263% | -339% | |
| -2% | 10% | -7% | -28% | -53% | -83% | -121% | -167% | -223% | |
| -1% | 33% | 21% | 6% | -12% | -35% | -63% | -97% | -138% | |
| 0% | 51% | 42% | 30% | 17% | 0% | -20% | -45% | -76% | |
| 1% | 63% | 57% | 48% | 38% | 26% | 11% | -8% | -31% | |
| 2% | 73% | 68% | 62% | 54% | 45% | 34% | 20% | 3% | |
| 3% | 80% | 76% | 71% | 66% | 59% | 50% | 40% | 27% | |
| 4% | 85% | 82% | 79% | 74% | 69% | 63% | 55% | 46% | |
| 5% | 89% | 86% | 84% | 81% | 77% | 72% | 66% | 59% | |
| 6% | 91% | 90% | 88% | 86% | 83% | 79% | 75% | 69% | |
| 7% | 94% | 92% | 91% | 89% | 87% | 84% | 81% | 77% | |
| 8% | 95% | 94% | 93% | 92% | 90% | 88% | 86% | 82% |
Scenario output
| Land value | Improvements | Capital value | Rates |
|---|---|---|---|
| $61,000 | $52,000 | $113,000 | $1,197 |
Equity in home after 30 years
| Interest rate | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Property value growth |
|
5% | 6% | 7% | 8% | 9% | 10% | 11% | 12% |
| -5% | -528% | -644% | -786% | -960% | -1173% | -1434% | -1755% | -2149% | |
| -4% | -358% | -443% | -547% | -674% | -830% | -1021% | -1255% | -1543% | |
| -3% | -236% | -298% | -374% | -467% | -581% | -721% | -893% | -1104% | |
| -2% | -147% | -193% | -249% | -317% | -401% | -504% | -630% | -785% | |
| -1% | -82% | -116% | -157% | -208% | -269% | -345% | -438% | -553% | |
| 0% | -35% | -60% | -90% | -128% | -173% | -229% | -298% | -383% | |
| 1% | 0% | -18% | -41% | -69% | -103% | -144% | -195% | -258% | |
| 2% | 26% | 12% | -5% | -26% | -51% | -82% | -120% | -166% | |
| 3% | 44% | 34% | 22% | 6% | -13% | -36% | -64% | -99% | |
| 4% | 58% | 51% | 41% | 30% | 16% | -2% | -23% | -49% | |
| 5% | 69% | 63% | 56% | 47% | 37% | 24% | 8% | -12% | |
| 6% | 77% | 72% | 67% | 60% | 52% | 43% | 31% | 16% | |
| 7% | 82% | 79% | 75% | 70% | 64% | 57% | 48% | 37% | |
| 8% | 87% | 84% | 81% | 77% | 73% | 67% | 60% | 52% |