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, $600 to $999 was the most common mortgage repayment band among households with a mortgage in Bass Coast (S), accounting for 12% (590 households). This share was lower than Regional Vic. (13.8%).
Section overview
Monthly housing loan repayments
Bass Coast (S) - Households (Enumerated)
This table summarises housing loan repayments for Bass Coast (S) in 2021 for persons, with comparison against Regional Vic..
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Bass Coast (S), with comparison markers for Regional Vic..
$299 or less
2021 count
263
% of total
5.3%
263
5.3%
$300 - $599
2021 count
270
% of total
5.5%
270
5.5%
$600 - $999
2021 count
590
% of total
12.0%
590
12.0%
$1,000 - $1,199
2021 count
431
% of total
8.7%
431
8.7%
$1,200 - $1,399
2021 count
549
% of total
11.1%
549
11.1%
$1,400 - $1,599
2021 count
481
% of total
9.7%
481
9.7%
$1,600-$1,799
2021 count
484
% of total
9.8%
484
9.8%
$1,800 - $1,999
2021 count
286
% of total
5.8%
286
5.8%
$2,000 - $2,199
2021 count
441
% of total
8.9%
441
8.9%
$2,200 - $2,399
2021 count
134
% of total
2.7%
134
2.7%
$2,400-$2,599
2021 count
101
% of total
2.0%
101
2.0%
$2,600-$2,999
2021 count
206
% of total
4.2%
206
4.2%
$3,000-$3,999
2021 count
223
% of total
4.5%
223
4.5%
$4,000-$4,999
2021 count
79
% of total
1.6%
79
1.6%
$5000 and over
2021 count
67
% of total
1.4%
67
1.4%
Not stated
2021 count
331
% of total
6.7%
331
6.7%
Data table
Housing loan repayments for Bass Coast (S). Monthly housing loan repayments. 2021 counts and percentages compared with Regional Vic..
| Category | 2021 count | 2021 % | Regional Vic. % |
|---|---|---|---|
| $299 or less | 263 | 5.3% | 4.9% |
| $300 - $599 | 270 | 5.5% | 5.8% |
| $600 - $999 | 590 | 12.0% | 13.8% |
| $1,000 - $1,199 | 431 | 8.7% | 9.6% |
| $1,200 - $1,399 | 549 | 11.1% | 11.2% |
| $1,400 - $1,599 | 481 | 9.7% | 9.5% |
| $1,600-$1,799 | 484 | 9.8% | 9.4% |
| $1,800 - $1,999 | 286 | 5.8% | 5.7% |
| $2,000 - $2,199 | 441 | 8.9% | 8.0% |
| $2,200 - $2,399 | 134 | 2.7% | 2.8% |
| $2,400-$2,599 | 101 | 2.0% | 1.9% |
| $2,600-$2,999 | 206 | 4.2% | 4.1% |
| $3,000-$3,999 | 223 | 4.5% | 4.4% |
| $4,000-$4,999 | 79 | 1.6% | 1.7% |
| $5000 and over | 67 | 1.4% | 1.4% |
| Not stated | 331 | 6.7% | 5.9% |
| Total | 4,936 | 100.0% | 100.0% |