HX4 8JG

Postcode Information - HX4 8JG

HX4 8JG – information about the HX4 8JG postcode is completely free. No records are left of your search, so you can research the HX4 8JG  postcode entirely confidentially.

The postcode HX4 8JG  is classified into one of 54 standard geodemographic types – we explain what each type means and how each postcode type is described.

General Overview of HX4 8JG

We bring together information from several different sources including census data about HX4 8JG  so you can gain an impression of how the area is described, including what type of people live in the area, and how affluent they are. The data can often be one of the components of the calculation of some credit scores, can affect your insurance ratings and, of course, can dictate the levels of junk mail you receive.

Classification	White collar home owners in outer suburbs and coastal areas
Relative to Population	This postcode is typical of 1.04% of the UK population.
Housing Type	Properties are mainly detached, semi-detached or terraced and are owned outright or mortgaged. The typical property price is below average. The properties are larger than average in size and are located in suburbs, rural or coastal areas. People will typically have lived here between 4 and 11 or more years.
Residents	In this area the most common social group is ABC1C2. The children living in this area are typically aged between 5 and 19 years and the adults between 30 and 74 years. Households consist of singles, couples and families. The population density at this postcode is approximately 57% of the national average. The people living here are in general qualified to an average level and the typical employment type is classified as professional or white and blue collar. Unemployment stands at 70% of the national average, and the industry sector is defined as consisting of manufacturing, for example brewing, steel, petrol and car manufacture, the service industry, for example tourism, retail, transport/distribution and catering or intellectual services, for example IT, scientific research, education and consulting. The number of directors is 34% higher than the national average. As defined by the Census, the ethnic break-down of this postcode is typically white.
Social Classification	We are all described as being within a "social class" or " socio-economic grouping". These tend to rely on the occupation  of the main earner within a household and are no more than rough groupings, used principally by advertisers to segregate their target audience. There is no reliable single definition of the groups, nor of what is included in them, so please treat this with a pinch of salt. The social classification of the residents of HX4 8JG is ABC1C2 and is shaded blue below. Please note that if your area contains more than one group, the shading can cover several classifications:
	BETTER WORSE        What the letters mean... Professionals such as doctors, lawyers and dentists, chartered architects and engineers. Individuals with a large degree of responsibility such as senior executives and senior managers, higher grade civil servants and higher ranks of the armed services. University lecturers, heads of local government departments, executive officers of the civil service, middle managers, qualified scientists, bank managers, police inspectors and senior ranks of the armed services. Nurses, technicians, pharmacists, salesmen, publicans, clerical workers , clerical officers within the civil service, police sergeants and constables and senior non commissioned officers within the armed services. Skilled manual workers  who have served apprenticeships; foremen, manual workers with special qualifications such as long distance lorry drivers, security officers and other non commissioned officers within the armed services. Semi-skilled and unskilled manual workers, including labourers and people serving apprenticeships; clerical assistants in the civil service, machine minders, farm labourers,  laboratory assistants, postmen and all other members of the armed services. Pensioners, casual workers, long term unemployed people, and others with relatively low or fixed levels of income.
Financial	The level of investors in this area is 88% of the national average and the financial risk associated with this postcode is classified as being roughly 56% higher than the national average.
Other Information	Most people do not regularly read daily newspapers and the level of internet usage is below average. Response to mail order companies is below average. There is an above average level of car ownership and when travelling to work people tend to use public and private transport.

Financial Characteristics in HX4 8JG

Public databases such as the Register of Court Judgments and Insolvency Records are combined with census data and 'lifestyle' information collected from questionnaires to evaluate the average financial risk in a postcode.

Financial Risk	Based on Cameo financial risk, in HX4 8JG the ratio of good credit accounts and bad credit accounts across the area is as follows.  A good credit account is one with payments made on time. A bad credit account is, or has been, in arrears.
	One bad account in every 5 accounts
Credit Score	In HX4 8JG the average Credit Score for all households as calculated by checkmyfile.com and based on the Cameo financial risk is 650
	1 STAR 2 STAR 3 STAR 4 STAR 5 STAR
Typical Credit Card	Based on the average credit score in this postcode, we've matched the following Credit Card as being most likely to say yes.
	aqua Credit Card - 29.7% APR Representative Variable No Annual Fee No Introductory Offer No Balance Transfer Offer No Cashback or Rewards Offered Not yet rated by our customers    Apply Today Representative Example 29.7% APR Representative Variable 29.73% p.a. Variable On Purchases £1200 Credit Limit Your actual credit limit will vary

Affluence Rating of HX4 8JG

Credit scoring measures the probability of a person being able to keep payments up to date on a credit facility.  In contrast, the Affluence Rating is a measure of how much money someone has, which is an entirely different thing. It is possible to have a great credit score but a poor Affluence Rating, and vice versa, although the two are far more likely to run hand in hand with each other.

Affluence	Residents in HX4 8JG have a higher than average affluence rating, indicating higher levels of income and lower levels of financial commitments. Typically these may include DINKY (dual income no kids yet) or 'Empty nesters' - where children have grown up and left home.
Newspaper Readership	Newspaper readership is linked with overall income and wealth. This is controversial because newspapers are not the only source of news and some papers attract a wide range of readers, but the correlation is nevertheless a strong one.
Number of Investors	The term 'investors' in this category relates to ownership of stock exchange quoted shares. The number of investors in an area reflects a higher than average level of disposable income and a better than average ability to save money.
Financial Risk	'Financial risk' is taken principally from the number of court judgments or decrees in any postcode. This is used as a negative measure of affluence as not all assets may be available to the apparent owner.
Car Ownership	One of the least reliable indicators of affluence, because cars may be leased rather than owned. If leased - for example a 'company car', car ownership can still give a measure of underlying income.
Property Ownership	Property ownership is one of the most popular ways of storing wealth and is usually the largest asset available to any individual. This measure is a strong indicator of affluence.

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