Housing
Housing tenure
About this topic
Housing tenure shows whether households own their dwelling outright, are purchasing it, rent privately, rent from a social landlord, or occupy it under another arrangement. It describes how households hold or access housing, not the type of dwelling itself.
This topic is useful for analysing housing markets, affordability, stability, and the mix of owners and renters. It works best alongside dwelling type, household composition, and housing cost topics such as mortgage repayments and rent.
Interpretation notes
- Tenure type describes how the dwelling is occupied, including ownership, mortgage, rental, or other arrangements.
- It applies to occupied private dwellings and should not be confused with dwelling structure or housing cost measures.
Key insight
In 2021, 65.6% of households in Ballarat (C) were purchasing or had fully paid off their home, while 31.6% were renting. The mortgage share was lower than Regional Vic. (33.2%).
Section overview
Housing tenure
Ballarat (C) - Households (Enumerated)
This table summarises housing tenure for Ballarat (C) in 2021 for persons, with comparison against Regional Vic. and change since 2016.
Housing tenure snapshot
2021 distribution by category for Ballarat (C), with comparison markers for Regional Vic..
Fully owned
2021 count
14,557
% of total
32.6%
Change from 2016
+0.5pp
14,557
32.6%
+0.5pp
Mortgage
2021 count
14,741
% of total
33.0%
Change from 2016
0.0pp
14,741
33.0%
0.0pp
Renting - Total
2021 count
14,112
% of total
31.6%
Change from 2016
+0.2pp
14,112
31.6%
+0.2pp
Renting - Social housing
2021 count
1,731
% of total
3.9%
Change from 2016
-0.8pp
1,731
3.9%
-0.8pp
Renting - Private
2021 count
12,310
% of total
27.6%
Change from 2016
+1.4pp
12,310
27.6%
+1.4pp
Renting - Not stated
2021 count
75
% of total
0.2%
Change from 2016
-0.3pp
75
0.2%
-0.3pp
Other tenure type
2021 count
639
% of total
1.4%
Change from 2016
+0.7pp
639
1.4%
+0.7pp
Not stated
2021 count
609
% of total
1.4%
Change from 2016
-1.3pp
609
1.4%
-1.3pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
+2,207
+0.5pp
Mortgage
+2,045
0.0pp
Renting - Total
+2,043
+0.2pp
Renting - Social housing
-75
-0.8pp
Renting - Private
+2,225
+1.4pp
Renting - Not stated
-105
-0.3pp
Other tenure type
+351
+0.7pp
Not stated
-431
-1.3pp
Data table
Housing tenure for Ballarat (C). Housing tenure. 2021 and 2016 counts, percentages, and change compared with Regional Vic..
| Category | 2021 | 2016 | Change | |||||
|---|---|---|---|---|---|---|---|---|
| Count | % | Regional Vic.% | Count | % | Regional Vic.% | Count | pp | |
| Fully owned | 14,557 | 32.6% | 39.3% | 12,350 | 32.1% | 37.8% | +2,207 | +0.5pp |
| Mortgage | 14,741 | 33.0% | 33.2% | 12,696 | 33.0% | 33.2% | +2,045 | 0.0pp |
| Renting - Total | 14,112 | 31.6% | 23.6% | 12,069 | 31.4% | 25.1% | +2,043 | +0.2pp |
| Renting - Social housing | 1,731 | 3.9% | 3.1% | 1,806 | 4.7% | 3.6% | -75 | -0.8pp |
| Renting - Private | 12,310 | 27.6% | 20.3% | 10,085 | 26.2% | 20.8% | +2,225 | +1.4pp |
| Renting - Not stated | 75 | 0.2% | 0.2% | 180 | 0.5% | 0.7% | -105 | -0.3pp |
| Other tenure type | 639 | 1.4% | 2.1% | 288 | 0.7% | 0.8% | +351 | +0.7pp |
| Not stated | 609 | 1.4% | 1.9% | 1,040 | 2.7% | 3.1% | -431 | -1.3pp |
| Total households | 44,654 | 100.0% | 100.0% | 38,449 | 100.0% | 100.0% | +6,205 | 0.0pp |