Stress by mesh block — unemployment, arrears, insolvency within 1 km (by gnaf_id)
/v1/properties/{gnaf_id}/mesh-blocks/stress20¢ per callIs anyone here under financial pressure? For every mesh block around the property: unemployment in the surrounding area, JobSeeker recipients in the postcode, and estimated mortgage arrears, forced sales and personal insolvencies.
One entry per mesh block within 1,000 m of the property under mesh_blocks, nearest first, each with its mb_code, distance_m, population and dwellings. Blocks across suburb lines are included. Values only — the polygons come from /properties/{gnaf_id}/context/mesh-blocks.
Every field carries provenance — measured (at this block), measured_wider_area (measured for the SA1 or postcode and repeated on every block in it), estimate (our model) or not_recorded (not labelled yet) — plus how, one sentence on how the number was arrived at (empty when not_recorded).
Authorization
Request
The only values you send. Fields under Responses below are what comes back — you never pass those.
Path parameters
gnaf_idstringrequiredQuery parameters
Responses
Successful Response
gnaf_idstringalways returnedThe property, as given.
suburbstringmay be nullThe property's suburb (SAL). Blocks across suburb lines are included.
statestringmay be nullState / Territory abbreviation of the property.
radius_mintegeralways returnedRadius around the property, in metres (1,000).
topicstringalways returnedWhich topic this answers.
questionstringalways returnedThe question this topic answers.
betabooleanalways returned`true` when the figures behind this topic have not been validated against an independent source yet.
beta_noticestringmay be nullWhat is unvalidated, on beta topics only.
block_countintegeralways returnedHow many mesh blocks are in `mesh_blocks`.
mesh_blocksarray of PropertyMbTopicBlockalways returnedOne entry per mesh block within `radius_m`, nearest first.
notestringalways returnedHow to read `provenance`.
About this data
What this is
Financial pressure around one address, block by block: for each mesh block within 1 km, unemployment in the surrounding SA1, JobSeeker recipients in the postcode, and our estimates of mortgage arrears, mortgagee sales and personal insolvencies.
What people use it for
- Lenders: a street-scale read on credit risk around a security property.
- Investors: spot pockets where forced sales or rent arrears are more likely.
- Councils and community services: find where financial stress is concentrated.
Coverage
Mesh blocks nationwide (about 368,000). The 1 km radius crosses suburb lines. A field is null where we hold nothing for that block.
Tips
Arrears, mortgagee sale and insolvency figures are our estimates, not recorded counts. For a suburb-wide view use /v1/suburbs/{suburb_name}/market/mortgage-stress. Check provenance before quoting a field. Whole suburb: /v1/suburbs/{suburb_name}/mesh-blocks/stress. Polygons: /v1/properties/{gnaf_id}/context/mesh-blocks, joined on mb_code.
/v1/properties/{gnaf_id}/mesh-blocks/stresscurl --request GET \
--url 'https://api.microburbs.com.au/v1/properties/GANSW704074813/mesh-blocks/stress' \
--header 'Authorization: Bearer test'{
"data": {
"gnaf_id": "GANSW704074813",
"suburb": "Belmont North",
"state": "NSW",
"radius_m": 1000,
"topic": "stress",
"question": "Is anyone here under financial pressure?",
"beta": false,
"block_count": 102,
"mesh_blocks": [
{
"mb_code": "10434270000",
"population": 124,
"dwellings": 46,
"fields": {
"area_unemployment_pct": {
"value": 6.9,
"unit": "% of the labour force",
"measured_at": "sa1",
"label": "Unemployment rate, surrounding area",
"provenance": "measured_wider_area",
"how": "measured for the surrounding area (SA1), repeated on this Microburb"
},
"jobseeker_recipients_postcode": {
"value": 700,
"unit": "people",
"measured_at": "postcode",
"label": "People on JobSeeker Payment, whole postcode",
"provenance": "measured_wider_area",
"how": "measured for the postcode, repeated on this Microburb"
},
"mortgage_arrears_30_89_days_pct": {
"value": 0.47,
"unit": "% of mortgages",
"label": "Mortgages 30-89 days in arrears",
"provenance": "estimate",
"how": "our estimate for this Microburb"
},
"mortgage_non_performing_pct": {
"value": 0.99,
"unit": "% of mortgages",
"label": "Mortgages non-performing (90+ days)",
"provenance": "estimate",
"how": "our estimate for this Microburb"
},
"mortgagee_sale_pct": {
"value": 0.01,
"unit": "% of mortgages",
"label": "Mortgagee (forced) sales",
"provenance": "estimate",
"how": "our estimate for this Microburb"
},
"insolvencies_per_10k": {
"value": 4.83,
"unit": "per 10,000 adults a year",
"label": "Personal insolvencies",
"provenance": "estimate",
"how": "our estimate for this Microburb"
}
},
"distance_m": 0
},
{
"mb_code": "10434330000",
"population": 89,
"dwellings": 32,
"fields": {
"area_unemployment_pct": {
"value": 6.9,
"unit": "% of the labour force",
"measured_at": "sa1",
"label": "Unemployment rate, surrounding area",
"provenance": "measured_wider_area",
"how": "measured for the surrounding area (SA1), repeated on this Microburb"
},
"jobseeker_recipients_postcode": {
"value": 700,
"unit": "people",
"measured_at": "postcode",
"label": "People on JobSeeker Payment, whole postcode",
"provenance": "measured_wider_area",
"how": "measured for the postcode, repeated on this Microburb"
},
"mortgage_arrears_30_89_days_pct": {
"value": 0.47,
"unit": "% of mortgages",
"label": "Mortgages 30-89 days in arrears",
"provenance": "estimate",
"how": "our estimate for this Microburb"
},
"mortgage_non_performing_pct": {
"value": 0.99,
"unit": "% of mortgages",
"label": "Mortgages non-performing (90+ days)",
"provenance": "estimate",
"how": "our estimate for this Microburb"
},
"mortgagee_sale_pct": {
"value": 0.01,
"unit": "% of mortgages",
"label": "Mortgagee (forced) sales",
"provenance": "estimate",
"how": "our estimate for this Microburb"
},
"insolvencies_per_10k": {
"value": 4.83,
"unit": "per 10,000 adults a year",
"label": "Personal insolvencies",
"provenance": "estimate",
"how": "our estimate for this Microburb"
}
},
"distance_m": 15
},
{
"mb_code": "10434440000",
"population": 99,
"dwellings": 34,
"fields": {
"area_unemployment_pct": {
"value": 6.9,
"unit": "% of the labour force",
"measured_at": "sa1",
"label": "Unemployment rate, surrounding area",
"provenance": "measured_wider_area",
"how": "measured for the surrounding area (SA1), repeated on this Microburb"
},
"jobseeker_recipients_postcode": {
"value": 700,
"unit": "people",
"measured_at": "postcode",
"label": "People on JobSeeker Payment, whole postcode",
"provenance": "measured_wider_area",
"how": "measured for the postcode, repeated on this Microburb"
},
"mortgage_arrears_30_89_days_pct": {
"value": 0.47,
"unit": "% of mortgages",
"label": "Mortgages 30-89 days in arrears",
"provenance": "estimate",
"how": "our estimate for this Microburb"
},
"mortgage_non_performing_pct": {
"value": 0.99,
"unit": "% of mortgages",
"label": "Mortgages non-performing (90+ days)",
"provenance": "estimate",
"how": "our estimate for this Microburb"
},
"mortgagee_sale_pct": {
"value": 0.01,
"unit": "% of mortgages",
"label": "Mortgagee (forced) sales",
"provenance": "estimate",
"how": "our estimate for this Microburb"
},
"insolvencies_per_10k": {
"value": 4.83,
"unit": "per 10,000 adults a year",
"label": "Personal insolvencies",
"provenance": "estimate",
"how": "our estimate for this Microburb"
}
},
"distance_m": 56
}
],
"note": "Each field says how its number was arrived at. An estimate is not a measurement, and a figure measured for a wider area is not a measurement of the block."
}
}