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 Acacia Gardens, accounting for 19.2% (127 households). This share was higher than Blacktown (C) (18.5%).
Section overview
Monthly housing loan repayments
Acacia Gardens - Households (Enumerated)
This table summarises housing loan repayments for Acacia Gardens in 2021 for persons, with comparison against Blacktown (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Acacia Gardens, with comparison markers for Blacktown (C).
$299 or less
2021 count
21
% of total
3.2%
21
3.2%
$300 - $599
2021 count
17
% of total
2.6%
17
2.6%
$600 - $999
2021 count
26
% of total
3.9%
26
3.9%
$1,000 - $1,199
2021 count
23
% of total
3.5%
23
3.5%
$1,200 - $1,399
2021 count
30
% of total
4.5%
30
4.5%
$1,400 - $1,599
2021 count
16
% of total
2.4%
16
2.4%
$1,600-$1,799
2021 count
28
% of total
4.2%
28
4.2%
$1,800 - $1,999
2021 count
30
% of total
4.5%
30
4.5%
$2,000 - $2,199
2021 count
55
% of total
8.3%
55
8.3%
$2,200 - $2,399
2021 count
50
% of total
7.5%
50
7.5%
$2,400-$2,599
2021 count
50
% of total
7.5%
50
7.5%
$2,600-$2,999
2021 count
82
% of total
12.4%
82
12.4%
$3,000-$3,999
2021 count
127
% of total
19.2%
127
19.2%
$4,000-$4,999
2021 count
44
% of total
6.6%
44
6.6%
$5000 and over
2021 count
30
% of total
4.5%
30
4.5%
Not stated
2021 count
34
% of total
5.1%
34
5.1%
Data table
Housing loan repayments for Acacia Gardens. Monthly housing loan repayments. 2021 counts and percentages compared with Blacktown (C).
| Category | 2021 count | 2021 % | Blacktown (C) % |
|---|---|---|---|
| $299 or less | 21 | 3.2% | 3.7% |
| $300 - $599 | 17 | 2.6% | 1.7% |
| $600 - $999 | 26 | 3.9% | 3.6% |
| $1,000 - $1,199 | 23 | 3.5% | 3.1% |
| $1,200 - $1,399 | 30 | 4.5% | 4.1% |
| $1,400 - $1,599 | 16 | 2.4% | 4.4% |
| $1,600-$1,799 | 28 | 4.2% | 5.6% |
| $1,800 - $1,999 | 30 | 4.5% | 5.0% |
| $2,000 - $2,199 | 55 | 8.3% | 10.2% |
| $2,200 - $2,399 | 50 | 7.5% | 6.1% |
| $2,400-$2,599 | 50 | 7.5% | 6.6% |
| $2,600-$2,999 | 82 | 12.4% | 12.3% |
| $3,000-$3,999 | 127 | 19.2% | 18.5% |
| $4,000-$4,999 | 44 | 6.6% | 5.2% |
| $5000 and over | 30 | 4.5% | 3.2% |
| Not stated | 34 | 5.1% | 6.7% |
| Total | 663 | 100.0% | 100.0% |