Households Below Average Income (HBAI) uses household disposable incomes, adjusted for household size and composition, as a proxy for material living standards or, more precisely, for the level of consumption of goods and services that people could attain given the disposable income of the household in which they live.

This report is the third in the Northern Ireland HBAI series and principally gives information on the income distribution in Northern Ireland for 2004/05 using cross sectional data from the DSD Family Resources Survey.