Income measure (£ per head) 2004-05 Gross household income 12,573 Net disposable household income (before housing costs) 9,523 Net disposable household income (after housing costs) 8,428 Source: Households BelowAverage Income datasets, DWP, 2004-05.Notes:Gross income: Total income from all sources including from tax credits, beforedeductions of income tax and National Insurance.Net disposableincome: Gross income afterdeductions for income tax, National Insurance Contributions, council tax,pension contributions and maintenance payments.Housing costs: Net disposable income but withrent/mortgage payments, water charges, structural insurance premiums, ground rentand service charges deducted.