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VIEWS: 5 PAGES: 41

									Understanding Communities
Through PayCheck


 Simon Power
 Managing Consultant

 John Rae
 Director




www.caci.co.uk
What we are going to talk about today?

Using geodemographic & other non-official data sources to
define, describe and meet the needs of distinct communities

     Demographics
     Affluence
     Income
     Lifestyles
     Attitudes
     Motivations
Who are CACI?

 The leading independent Market Analysis company in the UK


 Within the public sector work with over 70% of Local
 Authorities and many government departments

 Capabilities include:
    Consumer classification systems, e.g. ACORN
    Largest location planning consultancy in UK
    Consumer lists for direct marketing
    CRM analysis
    Market planning software tools
Our Clients
Key datasets
 PayCheck
 ACORN
 HealthACORN
 Citizen Insights
 StreetValue
 Community Insights
 Expenditure data
 People*UK
 LifestylesUK
 Retail Footprint
 InSite
PayCheck –
Income
Dataset



www.caci.co.uk
PayCheck
 What is PayCheck?
   PayCheck is a model that provides estimates of the
   distribution of gross household incomes, from all sources,
   right down to full postcode level.
Where did that data come from ?




Probability estimates of an     Segmentation of individuals’
individual’s financial status   financial activity
Paycheck approach
 Identify the distribution of household incomes at various
 levels of geographic detail
 Assume this distribution maintains a constant form, where
 variation within the form is determined by the local mean
 and deviation
 Build models to predict the mean and deviation of this for
 any local area, the thus the distribution of incomes
PayCheck approach
               Lifestyle                8 million Lifestyles records
              data records


              Reweighted                Reweighted to match GB
                                          Postcode Areas
                                          ACORN Types

   Model              Measured income
  mean & sd             mean & sd       Modeled using:
                                          Selected census variables
                                          ACORN
              Weighted                    Other lifestyles variables
               average

                                        Constrained from EFS

        Apply to distribution
           for local area
           0%
                5%
                     10%
                           15%
                                 20%
                                       25%
                                             30%
                                                   35%
                                                         40%
   £0-5k

  £5-10k

 £10-15k

 £15-20k

 £20-25k
                                                               postcodes



 £25-30k

 £30-35k

 £35-40k

 £40-45k

 £45-50k

 £50-55k

 £55-60k

 £60-65k

 £65-70k

 £70-75k
                                                               Income distribution for two




 £75-80k

 £80-85k

 £85-90k

 £90-95k

£95-100k

 £100k+
PayCheck
Methodology – Data Sources
  Lifestyle Data
     The most recent 3 years lifestyle data from Data Locator
     Group (DLG). The complete set is 8.1m records.
  Expenditure and Food Survey (EFS)
     Four years of EFS data is used to establish a reference control
     distribution. Annual sample size is 6,500.
  UK Average Earnings Change
     Time series data on earnings from the ONS is used to ‘inflate’
     both survey and lifestyle data from earlier years.
  2001 Census
     Statistics from the census used to provide explanatory variables
     for the modelling.
PayCheck – Sample Sizes
       Local Authority         DLG Respondents
       Aberdeen City                    27,681
       Aberdeenshire                    29,362
       Angus                            15,900
       Argyll and Bute                  10,654
       Scottish Borders                 14,632
       Clackmannanshire                  7,364
       West Dumbartonshire              11,852
       Dumfries and Galloway            21,187
       Dundee City                      17,303
       East Ayrshire                    17,650
       East Dumbartonshire              13,244
       East Lothian                     12,206
       East Renfrewshire                10,333
       City of Edinburgh                43,521
       Falkirk                          22,291
       Fife                             49,607
       City of Glasgow                  44,677
       Highland                         27,917
       Inverclyde                        9,275
       Midlothian                       11,413
       Moray                            12,458
       North Ayrshire                   19,385
       North Lanarkshire                43,841
       Orkney Islands                    2,447
       Perth and Kinross                17,183
       Renfrewshire                     21,500
       Shetland Islands                  2,138
       South Ayrshire                   15,882
       South Lanarkshire                41,091
       Stirling                         10,731
       West Lothian                     23,174
       Western Isles                     2,504
Strengths & Weaknesses
   Sample
   Comprehensive geographical detail
   Regularly updated
   Also an equivalised version
   Available for academic use in Data Archive


   Sample
   Trade off between local precision and possibility of time series analysis
   Assumption distribution is constant across geography
   Micro-geographic variation in ‘accuracy’
PayCheck
Frequently Asked Questions 1
  Where do all the millionaires live?
  How much does Ewan McGregor earn?
  Why does x not appear in the top 10 postcode sectors?
  Why are the same areas often at the bottom of the rankings?
  Why don’t you get whole households in the bands?
PayCheck
Also available from CACI
   Equivalised PayCheck
      The income that a household needs to attain a given standard
      of living will depend on its size and composition. For example, a
      couple with dependent children will need a higher income than
      a single person with no children to attain the same material
      living standards. "Equivalisation" means adjusting a household's
      income for size and composition so that we can look at the
      incomes of all households on a comparable basis.
PayCheck
Equivalised PayCheck
   Calculated using the McClements Scale.
      McClements Equivalence Scale (Before Housing Costs)

      Position of household member       Equivalence value
      Cohabiting head of household       0.61
      Partner/Spouse                     0.39
      1st additional adult               0.42
      Subsequent adults                  0.36

      Single head of household           0.61
      1st additional adult               0.46
      2nd additional adult               0.42
      Subsequent adults                  0.36

      Child aged: 16-18                  0.36
      13-15                              0.27
      11-12                              0.25
      8-10                               0.23
      5-7                                0.21
      2-4                                0.18
      Under 2                            0.09
PayCheck
Equivalised PayCheck
   Example
      Household 1 - Married couple with 3 dependent children has a
      joint income of £20,000, their weight (equivalisation score) is
      0.61 + 0.39 + 0.18 + 0.23 + 0.25 = 1.66. Their equivalised
      income would therefore be £20,000/1.66 = £12,048.
      Household 2 – Single person with an income of £20,000 has an
      equivalisation score of 0.61. The equivalised income is
      therefore be £20,000/0.61 = £32,787.
PayCheck - practicalities
 What you have…..
    Postcode Sector
       Mean Household Income
       Median
       Mode
       HIP (Household Income Profile)
 Also available…
    Intermediate Geography, Data Zone, Output Area and
    Postcode
  PayCheck
      What does it look like?
           Large User   Deleted                                                                                Mean   Median     Mode
Postcode         Flag       flag Households   0-5K    5-10K    10-15K    …….   90-95K    95-100K    100K+    Income   Income   Income
AB12 3NP            0          0          4     0.1      0.2      0.33   …….      0.02       0.02     0.05    34900    30800     23500
AB12 3NQ            0          0          2    0.06     0.12      0.19   …….      0.01       0.01     0.02    32400    28600     21900
AB12 3NR            0          0          4    0.09     0.17      0.29   …….      0.03       0.02     0.08    37500    33000     25100
AB12 3NS            0          0         10    0.17     0.37      0.63   …….      0.09       0.07     0.27    40200    35300     26900
AB12 3NT            0          0          3    0.09     0.18      0.28   …….      0.01       0.01     0.03    32600    28700     22000
AB12 3NU            0          0         34    0.25     0.64      1.25   …….      0.55       0.45     2.04    49400    43700     33700
AB12 3NW            0          0         28    1.34     2.68      3.95   …….      0.02       0.01     0.02    24500    21900     17400
AB12 3NX            0          0          7    0.12     0.25      0.43   …….      0.07       0.05      0.2    40500    35600     27100
AB12 3NY            0          0         10    0.33     0.64      0.99   …….      0.03       0.02     0.07    31200    27600     21200
AB12 3NZ            0          0         26     0.3      0.7      1.27   …….      0.32       0.26     1.09    44700    39400     30100
AB12 3PA            0          0         10    0.46      0.9      1.33   …….      0.01       0.01     0.01    25400    22800     18000
AB12 3PB            0          0         21    0.96     1.89       2.8   …….      0.02       0.01     0.03    25500    22800     18000
AB12 3PD            0          0          2    0.09     0.17      0.25   …….         0          0        0    26500    23700     18600
AB12 3PE            0          0         16    0.67      1.3      1.96   …….      0.02       0.02     0.04    27100    24100     18900
AB12 3PF            0          0          7     0.2      0.4      0.63   …….      0.03       0.02     0.07    33100    29200     22300
PayCheck
Working with PayCheck data
  Calculating the mean income of an area.
  Calculating the median of an area.
  What else can you do?…
PayCheck
Calculating the mean income of an area

          Postcode   Households   Mean Income
          AB12 3NP            4          34900
          AB12 3NQ            2          32400
          AB12 3NR            4          37500
          AB12 3NS           10          40200
          AB12 3NT            3          32600
          AB12 3NU           34          49400
          AB12 3NW           28          24500
          AB12 3NX            7          40500
          AB12 3NY           10          31200
          AB12 3NZ           26          44700
          AB12 3PA           10          25400
          AB12 3PB           21          25500
          AB12 3PD            2          26500
          AB12 3PE           16          27100
PayCheck
How would you do it?
           Postcode    Households   Mean Income
           AB12 3NP             4          34900
           AB12 3NQ             2          32400
           AB12 3NR             4          37500
           AB12 3NS            10          40200
           AB12 3NT             3          32600
           AB12 3NU            34          49400
           AB12 3NW            28          24500
           AB12 3NX             7          40500
           AB12 3NY            10          31200
           AB12 3NZ            26          44700
           AB12 3PA            10          25400
           AB12 3PB            21          25500
           AB12 3PD             2          26500
           AB12 3PE            16          27100
           AB12 3PF             7          33100

           Total                         505500


Add it up and divide by number of postcodes = £33,700
PayCheck
How would you do it?
           Postcode    Households   Mean Income
           AB12 3NP             4          34900
           AB12 3NQ             2          32400
           AB12 3NR             4          37500
           AB12 3NS            10          40200
           AB12 3NT             3          32600
           AB12 3NU            34          49400
           AB12 3NW            28          24500
           AB12 3NX             7          40500
           AB12 3NY            10          31200
           AB12 3NZ            26          44700
           AB12 3PA            10          25400
           AB12 3PB            21          25500
           AB12 3PD             2          26500
           AB12 3PE            16          27100
           AB12 3PF             7          33100

           Total             184         505500



Add it up and divide by number of Households = £2,747
PayCheck
How do you do it?                                         Calculate the total income for
                                                          each postcode.
  Postcode   Households   Mean Income    Total Income
  AB12 3NP            4          34900          139600




             £35,246
  AB12 3NQ            2          32400           64800
  AB12 3NR            4          37500          150000    Sum up the “Totals” for the
  AB12 3NS           10          40200          402000    area.
  AB12 3NT            3          32600           97800
  AB12 3NU           34          49400        1679600
  AB12 3NW           28          24500          686000
  AB12 3NX            7          40500          283500
  AB12 3NY           10          31200          312000   Divide by number of
  AB12 3NZ           26          44700        1162200    households in the area.
  AB12 3PA           10          25400          254000
  AB12 3PB           21          25500          535500
  AB12 3PD            2          26500           53000
  AB12 3PE           16          27100          433600
  AB12 3PF            7          33100          231700

  Total             184                       6485300
        PayCheck
           Calculating the median of an area
Postcode    Households    0-5K    5-10K    10-15K    15-20K    …….   75-80K    80-85K    85-90K    90-95K 95-100K    100K+
EH12 8SL             6     0.02     0.06      0.14      0.23   …….      0.22      0.19      0.16      0.13    0.11     0.58
EH12 8SN             1     0.00     0.01      0.02      0.04   …….      0.04      0.03      0.03      0.02    0.02     0.10
EH12 8SP            12     0.10     0.25      0.48      0.71   …….      0.33      0.27      0.22      0.18    0.15     0.66
EH12 8SQ             6     0.02     0.07      0.15      0.24   …….      0.21      0.18      0.15      0.13    0.11     0.56
EH12 8SR             2     0.02     0.04      0.08      0.11   …….      0.06      0.05      0.04      0.03    0.03     0.12
EH12 8SS             3     0.01     0.03      0.07      0.12   …….      0.11      0.09      0.08      0.06    0.05     0.27
EH12 8ST            10     0.04     0.11      0.25      0.41   …….      0.35      0.30      0.25      0.21    0.18     0.91
EH12 8SU             9     0.46     0.93      1.36      1.48   …….      0.02      0.01      0.01      0.00    0.00     0.00
EH12 8SW            36     0.26     0.67      1.31      2.00   …….      1.04      0.86      0.71      0.59    0.48     2.18
EH12 8SX             4     0.09     0.17      0.29      0.38   …….      0.06      0.05      0.04      0.03    0.02     0.08
EH12 8SY            21     1.06     2.15      3.15      3.43   …….      0.04      0.02      0.01      0.01    0.01     0.01
EH12 8SZ            11     0.51     1.01      1.50      1.68   …….      0.03      0.02      0.01      0.01    0.01     0.01
EH12 8TA             7     0.15     0.31      0.51      0.66   …….      0.11      0.08      0.07      0.05    0.04     0.14
EH12 8TB            12     0.05     0.15      0.33      0.53   …….      0.41      0.34      0.29      0.24    0.20     1.00
EH12 8TD            13     0.28     0.57      0.94      1.22   …….      0.20      0.16      0.12      0.09    0.07     0.25

Total              153     3.07     6.53     10.58     13.24   …….      3.23      2.65      2.19     1.78     1.48     6.87




                         Create a distribution for the area: Add up all the columns!!
        PayCheck
           Calculating the median of an area
Postcode    Households   0-5K    5-10K    10-15K    15-20K    …….   75-80K    80-85K    85-90K    90-95K 95-100K    100K+
EH12 8SL             6    0.02     0.06      0.14      0.23   …….      0.22      0.19      0.16      0.13    0.11     0.58
EH12 8SN             1    0.00     0.01      0.02      0.04   …….      0.04      0.03      0.03      0.02    0.02     0.10
EH12 8SP            12    0.10     0.25      0.48      0.71   …….      0.33      0.27      0.22      0.18    0.15     0.66
EH12 8SQ             6    0.02     0.07      0.15      0.24   …….      0.21      0.18      0.15      0.13    0.11     0.56
EH12 8SR             2    0.02     0.04      0.08      0.11   …….      0.06      0.05      0.04      0.03    0.03     0.12
EH12 8SS             3    0.01     0.03      0.07      0.12   …….      0.11      0.09      0.08      0.06    0.05     0.27
EH12 8ST            10    0.04     0.11      0.25      0.41   …….      0.35      0.30      0.25      0.21    0.18     0.91
EH12 8SU             9    0.46     0.93      1.36      1.48   …….      0.02      0.01      0.01      0.00    0.00     0.00
EH12 8SW            36    0.26     0.67      1.31      2.00   …….      1.04      0.86      0.71      0.59    0.48     2.18
EH12 8SX             4    0.09     0.17      0.29      0.38   …….      0.06      0.05      0.04      0.03    0.02     0.08
EH12 8SY            21    1.06     2.15      3.15      3.43   …….      0.04      0.02      0.01      0.01    0.01     0.01
EH12 8SZ            11    0.51     1.01      1.50      1.68   …….      0.03      0.02      0.01      0.01    0.01     0.01
EH12 8TA             7    0.15     0.31      0.51      0.66   …….      0.11      0.08      0.07      0.05    0.04     0.14
EH12 8TB            12    0.05     0.15      0.33      0.53   …….      0.41      0.34      0.29      0.24    0.20     1.00
EH12 8TD            13    0.28     0.57      0.94      1.22   …….      0.20      0.16      0.12      0.09    0.07     0.25

Total              153   3.07      6.53     10.58     13.24   …….      3.23      2.65      2.19     1.78     1.48     6.87




        Calculate 50% of the households = 153  2 = 76½
      PayCheck
        Calculating the median of an area
          Postcode      Households   0-5K    5-10K    10-15K    15-20K 20-25K      25-30K    30-35K    35-40K
          EH12 8SL               6    0.02     0.06      0.14      0.23 0.32          0.39      0.44      0.46
          EH12 8SN               1    0.00     0.01      0.02      0.04 0.05          0.07      0.07      0.08
          EH12 8SP              12    0.10     0.25      0.48      0.71  0.9          1.01      1.05      1.02
          EH12 8SQ               6    0.02     0.07      0.15      0.24 0.33          0.40      0.45      0.46
          EH12 8SR               2    0.02     0.04      0.08      0.11 0.15          0.17      0.17      0.17
          EH12 8SS               3    0.01     0.03      0.07      0.12 0.17          0.20      0.22      0.23
          EH12 8ST              10    0.04     0.11      0.25      0.41 0.56          0.68      0.75      0.78
          EH12 8SU               9    0.46     0.93      1.36      1.48 1.33          1.07      0.79      0.55
          EH12 8SW              36    0.26     0.67      1.31      2.00 2.56          2.92      3.06      3.03
          EH12 8SX               4    0.09     0.17      0.29      0.38 0.42          0.42      0.39      0.35
          EH12 8SY              21    1.06     2.15      3.15      3.43 3.11          2.50      1.85      1.30
          EH12 8SZ              11    0.51     1.01      1.50      1.68 1.58          1.32      1.02      0.75
          EH12 8TA               7    0.15     0.31      0.51      0.66 0.73          0.74      0.69      0.61
          EH12 8TB              12    0.05     0.15      0.33      0.53 0.71          0.85      0.93      0.95
          EH12 8TD              13    0.28     0.57      0.94      1.22 1.36          1.37      1.28      1.13

          Total                153   3.07      6.53     10.58    13.24   14.28       14.11     13.16     11.87

          C umulative                3.07       9.6     20.18    33.42      47.7     61.81     74.97     86.84


late 50% of the households = 153  2 = 76½

        Cumulate the distribution to find in which band the
        median point lies.
PayCheck
Calculating the median of an area
   Postcode      Households   0-5K    5-10K    10-15K    15-20K 20-25K      25-30K    30-35K    35-40K
   EH12 8SL               6    0.02     0.06      0.14      0.23 0.32          0.39      0.44      0.46
   EH12 8SN               1    0.00     0.01      0.02      0.04 0.05          0.07      0.07      0.08
   EH12 8SP              12    0.10     0.25      0.48      0.71  0.9          1.01      1.05      1.02
   EH12 8SQ               6    0.02     0.07      0.15      0.24 0.33          0.40      0.45      0.46
   EH12 8SR               2    0.02     0.04      0.08      0.11 0.15          0.17      0.17      0.17
   EH12 8SS               3    0.01     0.03      0.07      0.12 0.17          0.20      0.22      0.23
   EH12 8ST              10    0.04     0.11      0.25      0.41 0.56          0.68      0.75      0.78
   EH12 8SU               9    0.46     0.93      1.36      1.48 1.33          1.07      0.79      0.55
   EH12 8SW              36    0.26     0.67      1.31      2.00 2.56          2.92      3.06      3.03
   EH12 8SX               4    0.09     0.17      0.29      0.38 0.42          0.42      0.39      0.35
   EH12 8SY              21    1.06     2.15      3.15      3.43 3.11          2.50      1.85      1.30
   EH12 8SZ              11    0.51     1.01      1.50      1.68 1.58          1.32      1.02      0.75
   EH12 8TA               7    0.15     0.31      0.51      0.66 0.73          0.74      0.69      0.61
   EH12 8TB              12    0.05     0.15      0.33      0.53 0.71          0.85      0.93      0.95
   EH12 8TD              13    0.28     0.57      0.94      1.22 1.36          1.37      1.28      1.13

   Total                153   3.07      6.53     10.58    13.24   14.28       14.11     13.16     11.87

   C umulative                3.07       9.6     20.18    33.42      47.7     61.81     74.97     86.84


 Cumulate the distribution to find in which band the
 median point lies – £35-40k
 From the start of the band (74.97) to the end of
 the band (86.84) there are 11.87 households.
PayCheck
Calculating the median of an area
   Postcode      Households   0-5K    5-10K    10-15K    15-20K 20-25K      25-30K    30-35K    35-40K
   EH12 8SL               6    0.02     0.06      0.14      0.23 0.32          0.39      0.44      0.46
   EH12 8SN               1    0.00     0.01      0.02      0.04 0.05          0.07      0.07      0.08
   EH12 8SP              12    0.10     0.25      0.48      0.71  0.9          1.01      1.05      1.02
   EH12 8SQ               6    0.02     0.07      0.15      0.24 0.33          0.40      0.45      0.46
   EH12 8SR               2    0.02     0.04      0.08      0.11 0.15          0.17      0.17      0.17
   EH12 8SS               3    0.01     0.03      0.07      0.12 0.17          0.20      0.22      0.23
   EH12 8ST              10    0.04     0.11      0.25      0.41 0.56          0.68      0.75      0.78
   EH12 8SU               9    0.46     0.93      1.36      1.48 1.33          1.07      0.79      0.55
   EH12 8SW              36    0.26     0.67      1.31      2.00 2.56          2.92      3.06      3.03
   EH12 8SX               4    0.09     0.17      0.29      0.38 0.42          0.42      0.39      0.35
   EH12 8SY              21    1.06     2.15      3.15      3.43 3.11          2.50      1.85      1.30
   EH12 8SZ              11    0.51     1.01      1.50      1.68 1.58          1.32      1.02      0.75
   EH12 8TA               7    0.15     0.31      0.51      0.66 0.73          0.74      0.69      0.61
   EH12 8TB              12    0.05     0.15      0.33      0.53 0.71          0.85      0.93      0.95
   EH12 8TD              13    0.28     0.57      0.94      1.22 1.36          1.37      1.28      1.13

   Total                153   3.07      6.53     10.58    13.24   14.28       14.11     13.16     11.87

   C umulative                3.07       9.6     20.18    33.42      47.7     61.81     74.97     86.84


 From the start of the band (74.97) to the end of
 the band (86.84) there are 11.87 households.
  The half way point (76½) is therefore 12.8% of
  the way through the band.
PayCheck
Calculating the median of an area
  Postcode      Households   0-5K    5-10K    10-15K    15-20K 20-25K      25-30K    30-35K    35-40K
  EH12 8SL               6    0.02     0.06      0.14      0.23 0.32          0.39      0.44      0.46
  EH12 8SN               1    0.00     0.01      0.02      0.04 0.05          0.07      0.07      0.08
  EH12 8SP              12    0.10     0.25      0.48      0.71  0.9          1.01      1.05      1.02
  EH12 8SQ               6    0.02     0.07      0.15      0.24 0.33          0.40      0.45      0.46
  EH12 8SR               2    0.02     0.04      0.08      0.11 0.15          0.17      0.17      0.17
  EH12 8SS               3    0.01     0.03      0.07      0.12 0.17          0.20      0.22      0.23
  EH12 8ST              10    0.04     0.11      0.25      0.41 0.56          0.68      0.75      0.78
  EH12 8SU               9    0.46     0.93      1.36      1.48 1.33          1.07      0.79      0.55
  EH12 8SW              36    0.26     0.67      1.31      2.00 2.56          2.92      3.06      3.03
  EH12 8SX               4    0.09     0.17      0.29      0.38 0.42          0.42      0.39      0.35
  EH12 8SY              21    1.06     2.15      3.15      3.43 3.11          2.50      1.85      1.30
  EH12 8SZ              11    0.51     1.01      1.50      1.68 1.58          1.32      1.02      0.75
  EH12 8TA               7    0.15     0.31      0.51      0.66 0.73          0.74      0.69      0.61
  EH12 8TB              12    0.05     0.15      0.33      0.53 0.71          0.85      0.93      0.95
  EH12 8TD              13    0.28     0.57      0.94      1.22 1.36          1.37      1.28      1.13

  Total                153   3.07      6.53     10.58    13.24   14.28       14.11     13.16     11.87

  C umulative                3.07       9.6     20.18    33.42      47.7     61.81     74.97     86.84


 The half way point (76½) is therefore 12.8% of
 the way through the band.
  Assuming an even distribution across the band……
PayCheck
Calculating the median of an area
  Postcode      Households   0-5K    5-10K    10-15K    15-20K 20-25K      25-30K    30-35K    35-40K
  EH12 8SL               6    0.02     0.06      0.14      0.23    0.32       0.39      0.44      0.46
  EH12 8SN               1    0.00     0.01      0.02      0.04    0.05       0.07      0.07      0.08
  EH12 8SP              12    0.10     0.25      0.48      0.71     0.9       1.01      1.05      1.02
  EH12 8SQ               6    0.02     0.07      0.15      0.24    0.33       0.40      0.45      0.46
  EH12 8SR               2    0.02     0.04      0.08      0.11    0.15       0.17      0.17      0.17
  EH12 8SS               3    0.01     0.03      0.07      0.12    0.17       0.20      0.22      0.23
  EH12 8ST              10    0.04     0.11      0.25      0.41    0.56       0.68      0.75      0.78
  EH12 8SU               9    0.46     0.93      1.36      1.48    1.33       1.07      0.79      0.55
  EH12 8SW              36    0.26     0.67      1.31      2.00    2.56       2.92      3.06      3.03
  EH12 8SX               4    0.09     0.17      0.29      0.38    0.42       0.42      0.39      0.35
  EH12 8SY              21    1.06     2.15      3.15      3.43    3.11       2.50      1.85      1.30
  EH12 8SZ              11    0.51     1.01      1.50      1.68    1.58       1.32      1.02      0.75
  EH12 8TA               7    0.15     0.31      0.51      0.66    0.73       0.74      0.69      0.61
  EH12 8TB              12    0.05     0.15      0.33      0.53    0.71       0.85      0.93      0.95
  EH12 8TD              13    0.28     0.57      0.94      1.22    1.36       1.37      1.28      1.13

  Total                153   3.07      6.53     10.58    13.24   14.28       14.11     13.16     11.87

  C umulative                3.07       9.6     20.18    33.42      47.7     61.81     74.97     86.84


 Assuming an even distribution across the band……

  We can penetrate into the band by 12.8% to get a
                median of £35,640
PayCheck Applications
 Social exclusion
 Deprivation
 Supporting funding bids
 Monitoring project success
 Affordable housing
 Affordable leisure services
PayCheck
Anything Else???
   Housing Affordability
   Households below the “bread line”
   Lower quartile analysis
   …………
Paycheck Summary
Model of household income at very local levels
Based on very substantial, non-structured, sample
The result is a combination of observed incomes and
modelled incomes, the weighting between these two
elements varying from location to location
As a result Paycheck is not ideal for detailed time series
Questions?

  Paycheck


 Simon Power
 0131 557 0123

								
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