3. Housing
Figure 3.1 shows the tenure breakdown of Scotland's housing. Owner-occupation - either owned outright or buying with a mortgage - accounts for two-thirds (66%) of tenure, while 22% of households rent from a social landlord and 10% rent from a private landlord.
Figure 3.1: Tenure of household
2007 data, Households (base: 13408)

Two-thirds (66%) of single parent families live in rented accommodation compared with around a quarter of other families with children (23% of small families and 25% of large families) (Table 3.1). Households that contain at least one pensioner more often own their home outright than any other types of households.
Table 3.1: Tenure of household by household type
Column percentages, 2007 data, Households
| Single adult | Small adult | Single parent | Small family | Large family | Large adult | Older smaller | Single pensioner | All |
|---|
Owned outright | 16 | 22 | 4 | 9 | 11 | 28 | 70 | 54 | 31 |
|---|
Buying with help of loan/mortgage | 32 | 49 | 27 | 68 | 62 | 47 | 11 | 5 | 35 |
|---|
Rent - Local Authority | 22 | 11 | 36 | 11 | 13 | 10 | 11 | 22 | 16 |
|---|
Rent - Housing Association/Co-op | 9 | 4 | 15 | 4 | 4 | 5 | 3 | 9 | 6 |
|---|
Rent - private landlord | 18 | 12 | 15 | 8 | 8 | 9 | 3 | 6 | 10 |
|---|
Other | 2 | 1 | 3 | 1 | 2 | 1 | 1 | 4 | 2 |
|---|
Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
|---|
Base | 2,108 | 2,318 | 739 | 1,771 | 898 | 1,214 | 2,228 | 2,132 | 13,408 |
|---|
Renting is most common in cities and towns, particularly in large urban areas where 37% of households live in rented accommodation (Table 3.2). In remote rural areas almost half (47%) of households own their own home outright, more than in any other type of area.
Table 3.2: Tenure of household by urban/rural classification
Column percentages, 2007 data, Households
| Large urban areas | Other urban areas | Accessible small towns | Remote small towns | Accessible rural | Remote rural | Scotland |
|---|
Owned outright | 27 | 30 | 32 | 35 | 38 | 47 | 31 |
|---|
Buying with help of loan/mortgage | 34 | 37 | 37 | 29 | 39 | 25 | 35 |
|---|
Rent - Local authority | 15 | 19 | 21 | 18 | 10 | 10 | 16 |
|---|
Rent - Housing Association/Co-op | 10 | 5 | 4 | 6 | 2 | 2 | 6 |
|---|
Rent - private landlord | 12 | 8 | 5 | 9 | 8 | 12 | 10 |
|---|
Other | 2 | 1 | 1 | 1 | 3 | 3 | 2 |
|---|
Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
|---|
Base | 4,526 | 3,904 | 1,131 | 776 | 1,742 | 1,319 | 13,398 |
|---|