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, $1,600-$1,799 was the most common mortgage repayment band among households with a mortgage in Kelso (NSW), accounting for 12.4% (166 households). This share was higher than Bathurst Regional (A) (11.6%).
Section overview
Monthly housing loan repayments
Kelso (NSW) - Households (Enumerated)
This table summarises housing loan repayments for Kelso (NSW) in 2021 for persons, with comparison against Bathurst Regional (A).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Kelso (NSW), with comparison markers for Bathurst Regional (A).
$299 or less
2021 count
40
% of total
3.0%
40
3.0%
$300 - $599
2021 count
47
% of total
3.5%
47
3.5%
$600 - $999
2021 count
88
% of total
6.6%
88
6.6%
$1,000 - $1,199
2021 count
86
% of total
6.4%
86
6.4%
$1,200 - $1,399
2021 count
100
% of total
7.5%
100
7.5%
$1,400 - $1,599
2021 count
119
% of total
8.9%
119
8.9%
$1,600-$1,799
2021 count
166
% of total
12.4%
166
12.4%
$1,800 - $1,999
2021 count
156
% of total
11.7%
156
11.7%
$2,000 - $2,199
2021 count
156
% of total
11.7%
156
11.7%
$2,200 - $2,399
2021 count
78
% of total
5.8%
78
5.8%
$2,400-$2,599
2021 count
45
% of total
3.4%
45
3.4%
$2,600-$2,999
2021 count
97
% of total
7.2%
97
7.2%
$3,000-$3,999
2021 count
71
% of total
5.3%
71
5.3%
$4,000-$4,999
2021 count
18
% of total
1.3%
18
1.3%
$5000 and over
2021 count
17
% of total
1.3%
17
1.3%
Not stated
2021 count
54
% of total
4.0%
54
4.0%
Data table
Housing loan repayments for Kelso (NSW). Monthly housing loan repayments. 2021 counts and percentages compared with Bathurst Regional (A).
| Category | 2021 count | 2021 % | Bathurst Regional (A) % |
|---|---|---|---|
| $299 or less | 40 | 3.0% | 3.9% |
| $300 - $599 | 47 | 3.5% | 3.2% |
| $600 - $999 | 88 | 6.6% | 7.8% |
| $1,000 - $1,199 | 86 | 6.4% | 6.4% |
| $1,200 - $1,399 | 100 | 7.5% | 9.4% |
| $1,400 - $1,599 | 119 | 8.9% | 9.7% |
| $1,600-$1,799 | 166 | 12.4% | 11.6% |
| $1,800 - $1,999 | 156 | 11.7% | 8.7% |
| $2,000 - $2,199 | 156 | 11.7% | 11.1% |
| $2,200 - $2,399 | 78 | 5.8% | 4.2% |
| $2,400-$2,599 | 45 | 3.4% | 2.6% |
| $2,600-$2,999 | 97 | 7.2% | 6.5% |
| $3,000-$3,999 | 71 | 5.3% | 6.0% |
| $4,000-$4,999 | 18 | 1.3% | 2.1% |
| $5000 and over | 17 | 1.3% | 1.5% |
| Not stated | 54 | 4.0% | 5.2% |
| Total | 1,338 | 100.0% | 100.0% |