The nominal median household disposable income in 2019 was €43,552, compared with the 2018 figure of €42,865. See table 2.3c and figure 2.1.
Disposable household income is gross household income less total tax, social insurance contributions and inter-household transfers paid. The phrase ‘nominal’ indicates that the figure has not been adjusted for inflation. See SILC Fact Sheet (Pdf 444kb).
X-axis label | Median | Mean |
---|---|---|
2004 | 32027 | 38631 |
2005 | 32856 | 40497 |
2006 | 34931 | 43646 |
2007 | 38853 | 47988 |
2008 | 40429 | 49043 |
2009 | 38255 | 45959 |
2010 | 35280 | 43151 |
2011 | 35216 | 41819 |
2012 | 33785 | 41399 |
2013 | 34436 | 42164 |
2014 | 35305 | 43067 |
2015 | 37401 | 44827 |
2016 | 38953 | 46310 |
2017 | 39499 | 48476 |
2018 | 42865 | 51458 |
2019 | 43552 | 53118 |
In 2019, households with three or more persons at work had the highest nominal median household disposable income (€95,613), compared with €24,173 for households with no one at work.
Owner-occupied households had a nominal median household disposable income of €47,373 in 2019, compared with €38,558 for rented households.
Households containing one adult aged 65 or over had the lowest nominal median household disposable income (€16,216), compared with €75,284 for ‘other households with children’, i.e. households composed of two adults with four or more children; or three or more adults with children. See figure 2.2.
X-axis label | 2019 |
---|---|
1 adult aged 65 years and over | 16216 |
1 adult aged less than 65 years | 24059 |
2 adults, at least 1 aged 65 years and over | 37461 |
2 adults, both aged less than 65 years | 50809 |
3 or more adults | 71125 |
1 adult, with children under 18 years | 30293 |
2 adults, with 1-3 children under 18 years | 58646 |
Other households with children under 18 years | 75284 |
Household disposable income increases as the highest level of education attained by the head of household increases. Where the head of household had an educational attainment of primary level or below the nominal median household disposable income was €26,527, compared with €66,811 for those with a third level degree or above.
Households in the Eastern and Midlands region had a nominal median household disposable income of €48,824, compared with €41,612 in the Southern region, and €35,946 in the Northern and Western region.
Using a base year of 2012 to adjust for inflation, the real median household disposable income in 2019 was €42,524, compared with the 2018 figure of €42,183. See table 2.3a.
Equivalised income allows for a more meaningful comparison of income across households by accounting for the number of adults and children living in the household and thus allowing analysis at an individualised level. See At Risk of Poverty Indicators Explained (Pdf 717kb).
The nominal median equivalised disposable income in 2019 was €23,979 and the nominal at risk of poverty threshold stood at €14,387, i.e. 60% of the median. The real value, i.e. at 2012 prices, of the at risk of poverty threshold for 2019 was €14,047 and this represents an increase of 4.0% on the real value for 2018 of €13,505. Individuals with a highest level of educational attainment of third level degree or higher continued to have the highest nominal median equivalised disposable income of the categories analysed in 2019, at €35,452. This compares with €16,817 for those with primary level education or lower.
Persons living in households with no one at work had the lowest nominal median equivalised disposable income in 2019, at €15,889, compared with €31,076 for those living in households with three or more persons at work. See table 2.3g.
By age group, persons aged 65 or over continued to have the lowest nominal median equivalised disposable income (€20,369), followed by children aged 0-17 (€22,455) and persons aged 18-64 (€25,513). See figure 2.3.
X-axis label | 0 - 17 years | 18 - 64 years | 65 years and over |
---|---|---|---|
2004 | 14876 | 17772 | 10857 |
2005 | 15150 | 18627 | 11860 |
2006 | 16008 | 19567 | 13062 |
2007 | 17945 | 21447 | 14565 |
2008 | 19436 | 22272 | 15822 |
2009 | 18268 | 21423 | 16330 |
2010 | 17011 | 19955 | 16359 |
2011 | 17046 | 19544 | 15905 |
2012 | 17164 | 18936 | 15612 |
2013 | 17072 | 18860 | 16714 |
2014 | 17356 | 19064 | 16451 |
2015 | 18390 | 20367 | 17772 |
2016 | 19191 | 21380 | 18088 |
2017 | 19612 | 22223 | 18198 |
2018 | 21228 | 24156 | 19647 |
2019 | 22455 | 25513 | 20369 |
Nominal median equivalised disposable income for males was €24,065 in 2019, the corresponding figure for females was €23,867.
Individuals living in the Eastern and Midlands region had a nominal median equivalised disposable income (€26,263), which was 28.1% higher than those living in the Northern and Western region (€20,499) and 13.9% higher than those living in the Southern region (€23,048).
In 2019, nominal mean weekly equivalised gross income was €711.73, an increase of 3.7% on the 2018 figure of €686.22.
Gross income is the sum of total direct income such as employee and self-employed income, as well as social transfers including occupational pensions. An analysis of the composition of nominal gross income by year shows mean weekly equivalised direct income in 2019 at €568.79, an increase of 2.4% on the 2018 figure (€555.34). The mean weekly equivalised social transfers (which includes occupational pensions and the local authority contribution to rent (HAP)) increased to €142.94 in 2019 from €130.88 in 2018, an increase of 9.2%. See table 2.4a and figure 2.4.
X-axis label | Total direct income | Total social transfers |
---|---|---|
2004 | 379.4 | 81.51 |
2005 | 389.14 | 89.11 |
2006 | 419.85 | 94.48 |
2007 | 454.03 | 110.77 |
2008 | 454.94 | 123.26 |
2009 | 410.88 | 140.51 |
2010 | 386.74 | 147.92 |
2011 | 381.21 | 141.65 |
2012 | 376.33 | 138.63 |
2013 | 396.7 | 138.31 |
2014 | 416.54 | 133.36 |
2015 | 439.88 | 133.5 |
2016 | 461.15 | 133.15 |
2017 | 498.45 | 127.84 |
2018 | 555.34 | 130.88 |
2019 | 568.79 | 142.94 |
Disposable income is gross income less total tax, social insurance contributions and inter-household transfers paid. Mean nominal weekly equivalised disposable income showed an increase of 4.4% from €512.96 in 2018 to €535.48 in 2019. Mean weekly equivalised tax and social insurance contributions stood at €176.25 in 2019, an increase of 1.7% from the 2018 value of €173.26. See figure 2.5.
X-axis label | Gross Income € | Net Disposable Income € |
---|---|---|
2004 | 460.91 | 359.78 |
2005 | 478.25 | 378.85 |
2006 | 514.32 | 406.84 |
2007 | 564.8 | 452.47 |
2008 | 578.2 | 467.24 |
2009 | 551.39 | 447.03 |
2010 | 534.66 | 424.26 |
2011 | 522.87 | 410.88 |
2012 | 514.96 | 408.34 |
2013 | 535.01 | 415.03 |
2014 | 549.9 | 422.41 |
2015 | 573.38 | 440.47 |
2016 | 594.3 | 453.85 |
2017 | 626.29 | 478.79 |
2018 | 686.22 | 512.96 |
2019 | 711.73 | 535.48 |
Looking at the composition of nominal weekly equivalised gross income by decile, both the net disposable income and amount paid in total tax and social contributions increases by decile. Persons in decile one had an average equivalised gross income of €225.29, compared with €1,944.19 for those in decile ten. See figure 2.6.
X-axis label | Total tax and social contributions | Net disposable income |
---|---|---|
1st decile | 12.25 | 213.05 |
2nd decile | 14.98 | 284.34 |
3rd decile | 34.96 | 330.51 |
4th decile | 60.63 | 374.7 |
5th decile | 79.79 | 428.91 |
6th decile | 126.82 | 491 |
7th decile | 168.79 | 556.81 |
8th decile | 223.16 | 641.76 |
9th decile | 362.88 | 767.18 |
10th decile | 678.03 | 1266.16 |
Just under one in two of those describing their principal economic status as unemployed (46.7%) and those unable to work due to permanent illness or disability (49.3%) are in the first quintile, i.e. the lowest 20%, of the net disposable equivalised income distribution, compared with one in thirteen (7.4%) of those at work. See figure 2.7.
Quintile 5 | Quintile 4 | Quintile 3 | Quintile 2 | Quintile 1 | |
Unable to work due to permanent illness or disability | 3.5 | 8 | 13.4 | 25.7 | 49.3 |
Retired from employment | 12.8 | 19.4 | 16.7 | 24 | 26.9 |
Engaged on home duties | 7.1 | 10.8 | 17.4 | 28.2 | 36.6 |
Student | 9.8 | 20.2 | 21.5 | 21.2 | 27.2 |
Unemployed | 4.1 | 10.1 | 13.1 | 25.8 | 46.7 |
At work | 31.3 | 24.6 | 21.9 | 14.9 | 7.4 |
Quintile Share Ratio
In 2019, the poorest 20% had 9.3% of the nation’s nominal equivalised disposable income, while the richest 20% had 38.0%. See figure 2.8.
X-axis label | Quintile 5 | Quintile 4 | Quintile 3 | Quintile 2 | Quintile 1 |
---|---|---|---|---|---|
2019 | 38 | 22.4 | 17.2 | 13.2 | 9.3 |
2018 | 38.53 | 22.47 | 17.02 | 13.18 | 8.79 |
2017 | 39.87 | 22.62 | 16.69 | 12.56 | 8.26 |
2016 | 39.01 | 22.75 | 17.12 | 12.78 | 8.34 |
2015 | 39.07 | 22.98 | 16.98 | 12.7 | 8.27 |
2014 | 40 | 22.86 | 16.71 | 12.64 | 7.79 |
2013 | 39.85 | 22.85 | 16.72 | 12.59 | 7.99 |
The quintile share ratio is the ratio of the total equivalised disposable income received by the 20% of persons with the highest income (fifth quintile) to that received by the 20% of persons with the lowest income (first quintile). In 2019 the quintile share ratio stood at 4.1, indicating that the total income of the richest 20% was over four times that of the poorest 20%. The corresponding value for 2018 was 4.4, the change is not statistically significant. See table 2.1.
Table 2.1 Income quintile share ratio, 2013-2019 | |||||||
2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | |
Income quintile share ratio | 5.0 | 5.1 | 4.7 | 4.7 | 4.8 | 4.4 | 4.1 |
Gini Coefficient
The Gini coefficient measures income equality across the entire income distribution. It is the ratio of the area between the line of perfect equality and the observed Lorenz curve to the area between the line of perfect equality and the line of perfect inequality. A Gini coefficient value of zero denotes perfect equality, indicating that income is distributed equally amongst all households. A Gini Coefficient of 1 would denote perfect inequality where all the income is held by one household. See figure 2.9.
X-axis label | Perfect Equality | Cumulative equivalised disposable income | Cumulative equivalised Direct income before Social transfers, Occupational and Private Pensions |
---|---|---|---|
0 | 0 | 0 | 0 |
1 | 1 | 0 | 0 |
2 | 2 | 1 | 0 |
3 | 3 | 1 | 0 |
4 | 4 | 1 | 0 |
5 | 5 | 2 | 0 |
6 | 6 | 2 | 0 |
7 | 7 | 3 | 0 |
8 | 8 | 3 | 0 |
9 | 9 | 4 | 0 |
10 | 10 | 4 | 0 |
11 | 11 | 5 | 0 |
12 | 12 | 5 | 0 |
13 | 13 | 6 | 0 |
14 | 14 | 6 | 0 |
15 | 15 | 7 | 0 |
16 | 16 | 7 | 0 |
17 | 17 | 8 | 0 |
18 | 18 | 8 | 0 |
19 | 19 | 9 | 0 |
20 | 20 | 10 | 0 |
21 | 21 | 10 | 1 |
22 | 22 | 11 | 1 |
23 | 23 | 11 | 1 |
24 | 24 | 12 | 1 |
25 | 25 | 13 | 2 |
26 | 26 | 13 | 2 |
27 | 27 | 14 | 2 |
28 | 28 | 14 | 3 |
29 | 29 | 15 | 3 |
30 | 30 | 16 | 3 |
31 | 31 | 16 | 4 |
32 | 32 | 17 | 4 |
33 | 33 | 18 | 5 |
34 | 34 | 19 | 5 |
35 | 35 | 19 | 6 |
36 | 36 | 20 | 7 |
37 | 37 | 21 | 7 |
38 | 38 | 21 | 8 |
39 | 39 | 22 | 8 |
40 | 40 | 23 | 9 |
41 | 41 | 24 | 10 |
42 | 42 | 24 | 10 |
43 | 43 | 25 | 11 |
44 | 44 | 26 | 12 |
45 | 45 | 27 | 13 |
46 | 46 | 28 | 13 |
47 | 47 | 28 | 14 |
48 | 48 | 29 | 15 |
49 | 49 | 30 | 16 |
50 | 50 | 31 | 17 |
51 | 51 | 32 | 18 |
52 | 52 | 33 | 19 |
53 | 53 | 34 | 20 |
54 | 54 | 34 | 21 |
55 | 55 | 35 | 22 |
56 | 56 | 36 | 23 |
57 | 57 | 37 | 24 |
58 | 58 | 38 | 25 |
59 | 59 | 39 | 26 |
60 | 60 | 40 | 27 |
61 | 61 | 41 | 28 |
62 | 62 | 42 | 29 |
63 | 63 | 43 | 30 |
64 | 64 | 44 | 32 |
65 | 65 | 45 | 33 |
66 | 66 | 46 | 34 |
67 | 67 | 47 | 35 |
68 | 68 | 48 | 36 |
69 | 69 | 49 | 37 |
70 | 70 | 51 | 39 |
71 | 71 | 52 | 40 |
72 | 72 | 53 | 42 |
73 | 73 | 54 | 43 |
74 | 74 | 55 | 44 |
75 | 75 | 56 | 46 |
76 | 76 | 58 | 47 |
77 | 77 | 59 | 49 |
78 | 78 | 60 | 50 |
79 | 79 | 61 | 52 |
80 | 80 | 63 | 53 |
81 | 81 | 64 | 55 |
82 | 82 | 65 | 57 |
83 | 83 | 67 | 58 |
84 | 84 | 68 | 60 |
85 | 85 | 69 | 62 |
86 | 86 | 71 | 64 |
87 | 87 | 72 | 66 |
88 | 88 | 74 | 67 |
89 | 89 | 76 | 69 |
90 | 90 | 77 | 71 |
91 | 91 | 79 | 73 |
92 | 92 | 80 | 76 |
93 | 93 | 82 | 78 |
94 | 94 | 84 | 80 |
95 | 95 | 86 | 83 |
96 | 96 | 88 | 86 |
97 | 97 | 90 | 88 |
98 | 98 | 93 | 92 |
99 | 99 | 97 | 96 |
100 | 100 | 100 | 100 |
In 2019 the Gini coefficient was 28.8% compared with 29.7% in 2018. This decrease is not statistically significant. The general downward trend since 2014 indicates a decrease in income inequality across the total income distribution. Both the quintile share ratio and the Gini coefficient show a statistically significant decrease in income inequality between 2017 and 2019. See figure 2.9.
Table 2.2 Gini coefficient, 2013-2019 | |||||||
2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | |
Gini coefficient (%) | 31.8 | 32.1 | 30.8 | 30.7 | 31.5 | 29.7 | 28.8 |
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