Housing
Housing loan repayments
About this topic
Housing loan repayments show the monthly mortgage repayment amounts reported by households with a mortgage. They provide a snapshot of housing costs for owner-purchasing households.
This topic can help indicate repayment pressure and possible housing stress when read with household income, but raw repayment amounts are not directly comparable over time because of inflation, interest rate movements, and changing loan conditions. The 2021 data also predates the interest rate rises that began in May 2022, so it should be interpreted with care.
Interpretation notes
- This topic applies only to households with a mortgage and records monthly repayments for the dwelling in which they were counted on Census night.
- Raw repayment amounts are not directly comparable over time because inflation, interest rates, and loan conditions change.
- The 2021 Census pre-dates the Reserve Bank rate rises that began in May 2022, so current repayment pressure may be higher than the Census snapshot suggests.
Key insight
In 2021, $3,000-$3,999 was the most common mortgage repayment band among households with a mortgage in Ballina (A), accounting for 10.8% (538 households). This share was higher than Regional NSW (7.5%).
Section overview
Monthly housing loan repayments
Ballina (A) - Households (Enumerated)
This table summarises housing loan repayments for Ballina (A) in 2021 for persons, with comparison against Regional NSW.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Ballina (A), with comparison markers for Regional NSW.
$299 or less
2021 count
242
% of total
4.9%
242
4.9%
$300 - $599
2021 count
183
% of total
3.7%
183
3.7%
$600 - $999
2021 count
361
% of total
7.3%
361
7.3%
$1,000 - $1,199
2021 count
258
% of total
5.2%
258
5.2%
$1,200 - $1,399
2021 count
330
% of total
6.6%
330
6.6%
$1,400 - $1,599
2021 count
321
% of total
6.5%
321
6.5%
$1,600-$1,799
2021 count
394
% of total
7.9%
394
7.9%
$1,800 - $1,999
2021 count
332
% of total
6.7%
332
6.7%
$2,000 - $2,199
2021 count
497
% of total
10.0%
497
10.0%
$2,200 - $2,399
2021 count
256
% of total
5.2%
256
5.2%
$2,400-$2,599
2021 count
160
% of total
3.2%
160
3.2%
$2,600-$2,999
2021 count
442
% of total
8.9%
442
8.9%
$3,000-$3,999
2021 count
538
% of total
10.8%
538
10.8%
$4,000-$4,999
2021 count
196
% of total
3.9%
196
3.9%
$5000 and over
2021 count
136
% of total
2.7%
136
2.7%
Not stated
2021 count
317
% of total
6.4%
317
6.4%
Data table
Housing loan repayments for Ballina (A). Monthly housing loan repayments. 2021 counts and percentages compared with Regional NSW.
| Category | 2021 count | 2021 % | Regional NSW % |
|---|---|---|---|
| $299 or less | 242 | 4.9% | 4.9% |
| $300 - $599 | 183 | 3.7% | 4.3% |
| $600 - $999 | 361 | 7.3% | 9.7% |
| $1,000 - $1,199 | 258 | 5.2% | 7.0% |
| $1,200 - $1,399 | 330 | 6.6% | 8.8% |
| $1,400 - $1,599 | 321 | 6.5% | 7.9% |
| $1,600-$1,799 | 394 | 7.9% | 9.1% |
| $1,800 - $1,999 | 332 | 6.7% | 6.4% |
| $2,000 - $2,199 | 497 | 10.0% | 10.0% |
| $2,200 - $2,399 | 256 | 5.2% | 4.2% |
| $2,400-$2,599 | 160 | 3.2% | 2.8% |
| $2,600-$2,999 | 442 | 8.9% | 7.0% |
| $3,000-$3,999 | 538 | 10.8% | 7.5% |
| $4,000-$4,999 | 196 | 3.9% | 2.7% |
| $5000 and over | 136 | 2.7% | 2.1% |
| Not stated | 317 | 6.4% | 5.7% |
| Total | 4,963 | 100.0% | 100.0% |