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 Minchinbury, accounting for 16% (133 households). This share was lower than Blacktown (C) (18.5%).
Section overview
Monthly housing loan repayments
Minchinbury - Households (Enumerated)
This table summarises housing loan repayments for Minchinbury in 2021 for persons, with comparison against Blacktown (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Minchinbury, with comparison markers for Blacktown (C).
$299 or less
2021 count
33
% of total
4.0%
33
4.0%
$300 - $599
2021 count
29
% of total
3.5%
29
3.5%
$600 - $999
2021 count
42
% of total
5.0%
42
5.0%
$1,000 - $1,199
2021 count
24
% of total
2.9%
24
2.9%
$1,200 - $1,399
2021 count
49
% of total
5.9%
49
5.9%
$1,400 - $1,599
2021 count
44
% of total
5.3%
44
5.3%
$1,600-$1,799
2021 count
53
% of total
6.4%
53
6.4%
$1,800 - $1,999
2021 count
51
% of total
6.1%
51
6.1%
$2,000 - $2,199
2021 count
91
% of total
10.9%
91
10.9%
$2,200 - $2,399
2021 count
57
% of total
6.9%
57
6.9%
$2,400-$2,599
2021 count
38
% of total
4.6%
38
4.6%
$2,600-$2,999
2021 count
95
% of total
11.4%
95
11.4%
$3,000-$3,999
2021 count
133
% of total
16.0%
133
16.0%
$4,000-$4,999
2021 count
28
% of total
3.4%
28
3.4%
$5000 and over
2021 count
22
% of total
2.6%
22
2.6%
Not stated
2021 count
43
% of total
5.2%
43
5.2%
Data table
Housing loan repayments for Minchinbury. Monthly housing loan repayments. 2021 counts and percentages compared with Blacktown (C).
| Category | 2021 count | 2021 % | Blacktown (C) % |
|---|---|---|---|
| $299 or less | 33 | 4.0% | 3.7% |
| $300 - $599 | 29 | 3.5% | 1.7% |
| $600 - $999 | 42 | 5.0% | 3.6% |
| $1,000 - $1,199 | 24 | 2.9% | 3.1% |
| $1,200 - $1,399 | 49 | 5.9% | 4.1% |
| $1,400 - $1,599 | 44 | 5.3% | 4.4% |
| $1,600-$1,799 | 53 | 6.4% | 5.6% |
| $1,800 - $1,999 | 51 | 6.1% | 5.0% |
| $2,000 - $2,199 | 91 | 10.9% | 10.2% |
| $2,200 - $2,399 | 57 | 6.9% | 6.1% |
| $2,400-$2,599 | 38 | 4.6% | 6.6% |
| $2,600-$2,999 | 95 | 11.4% | 12.3% |
| $3,000-$3,999 | 133 | 16.0% | 18.5% |
| $4,000-$4,999 | 28 | 3.4% | 5.2% |
| $5000 and over | 22 | 2.6% | 3.2% |
| Not stated | 43 | 5.2% | 6.7% |
| Total | 832 | 100.0% | 100.0% |