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, 5000 And Over was the most common mortgage repayment band among households with a mortgage in Bayside (C), accounting for 20.2% (2,596 households). This share was higher than Greater Melbourne (5%).
Section overview
Monthly housing loan repayments
Bayside (C) - Households (Enumerated)
This table summarises housing loan repayments for Bayside (C) in 2021 for persons, with comparison against Greater Melbourne.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Bayside (C), with comparison markers for Greater Melbourne.
Nil Repayments
2021 count
511
% of total
4.0%
511
4.0%
1 To 149
2021 count
144
% of total
1.1%
144
1.1%
150 To 299
2021 count
92
% of total
0.7%
92
0.7%
300 To 449
2021 count
162
% of total
1.3%
162
1.3%
450 To 599
2021 count
153
% of total
1.2%
153
1.2%
600 To 799
2021 count
188
% of total
1.5%
188
1.5%
800 To 999
2021 count
267
% of total
2.1%
267
2.1%
1000 To 1199
2021 count
354
% of total
2.8%
354
2.8%
1200 To 1399
2021 count
380
% of total
3.0%
380
3.0%
1400 To 1599
2021 count
390
% of total
3.0%
390
3.0%
1600 To 1799
2021 count
430
% of total
3.4%
430
3.4%
1800 To 1999
2021 count
353
% of total
2.8%
353
2.8%
2000 To 2199
2021 count
903
% of total
7.0%
903
7.0%
2200 To 2399
2021 count
346
% of total
2.7%
346
2.7%
2400 To 2599
2021 count
450
% of total
3.5%
450
3.5%
2600 To 2799
2021 count
403
% of total
3.1%
403
3.1%
2800 To 2999
2021 count
278
% of total
2.2%
278
2.2%
3000 To 3499
2021 count
1,255
% of total
9.8%
1,255
9.8%
3500 To 3999
2021 count
768
% of total
6.0%
768
6.0%
4000 To 4999
2021 count
1,483
% of total
11.6%
1,483
11.6%
5000 And Over
2021 count
2,596
% of total
20.2%
2,596
20.2%
Not stated
2021 count
921
% of total
7.2%
921
7.2%
Data table
Housing loan repayments for Bayside (C). Monthly housing loan repayments. 2021 counts and percentages compared with Greater Melbourne.
| Category | 2021 count | 2021 % | Greater Melbourne % |
|---|---|---|---|
| Nil Repayments | 511 | 4.0% | 3.1% |
| 1 To 149 | 144 | 1.1% | 0.9% |
| 150 To 299 | 92 | 0.7% | 0.8% |
| 300 To 449 | 162 | 1.3% | 1.5% |
| 450 To 599 | 153 | 1.2% | 1.3% |
| 600 To 799 | 188 | 1.5% | 2.2% |
| 800 To 999 | 267 | 2.1% | 3.2% |
| 1000 To 1199 | 354 | 2.8% | 4.6% |
| 1200 To 1399 | 380 | 3.0% | 5.9% |
| 1400 To 1599 | 390 | 3.0% | 6.8% |
| 1600 To 1799 | 430 | 3.4% | 7.9% |
| 1800 To 1999 | 353 | 2.8% | 6.7% |
| 2000 To 2199 | 903 | 7.0% | 11.1% |
| 2200 To 2399 | 346 | 2.7% | 5.3% |
| 2400 To 2599 | 450 | 3.5% | 4.7% |
| 2600 To 2799 | 403 | 3.1% | 4.5% |
| 2800 To 2999 | 278 | 2.2% | 2.5% |
| 3000 To 3499 | 1,255 | 9.8% | 7.6% |
| 3500 To 3999 | 768 | 6.0% | 3.1% |
| 4000 To 4999 | 1,483 | 11.6% | 4.6% |
| 5000 And Over | 2,596 | 20.2% | 5.0% |
| Not stated | 921 | 7.2% | 6.6% |
| Total | 12,827 | 100.0% | 100.0% |