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 Stanhope Gardens, accounting for 25.7% (405 households). This share was higher than Blacktown (C) (18.5%).
Section overview
Monthly housing loan repayments
Stanhope Gardens - Households (Enumerated)
This table summarises housing loan repayments for Stanhope Gardens in 2021 for persons, with comparison against Blacktown (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Stanhope Gardens, with comparison markers for Blacktown (C).
$299 or less
2021 count
60
% of total
3.8%
60
3.8%
$300 - $599
2021 count
22
% of total
1.4%
22
1.4%
$600 - $999
2021 count
51
% of total
3.2%
51
3.2%
$1,000 - $1,199
2021 count
34
% of total
2.2%
34
2.2%
$1,200 - $1,399
2021 count
35
% of total
2.2%
35
2.2%
$1,400 - $1,599
2021 count
53
% of total
3.4%
53
3.4%
$1,600-$1,799
2021 count
51
% of total
3.2%
51
3.2%
$1,800 - $1,999
2021 count
50
% of total
3.2%
50
3.2%
$2,000 - $2,199
2021 count
121
% of total
7.7%
121
7.7%
$2,200 - $2,399
2021 count
77
% of total
4.9%
77
4.9%
$2,400-$2,599
2021 count
98
% of total
6.2%
98
6.2%
$2,600-$2,999
2021 count
164
% of total
10.4%
164
10.4%
$3,000-$3,999
2021 count
405
% of total
25.7%
405
25.7%
$4,000-$4,999
2021 count
128
% of total
8.1%
128
8.1%
$5000 and over
2021 count
96
% of total
6.1%
96
6.1%
Not stated
2021 count
130
% of total
8.3%
130
8.3%
Data table
Housing loan repayments for Stanhope Gardens. Monthly housing loan repayments. 2021 counts and percentages compared with Blacktown (C).
| Category | 2021 count | 2021 % | Blacktown (C) % |
|---|---|---|---|
| $299 or less | 60 | 3.8% | 3.7% |
| $300 - $599 | 22 | 1.4% | 1.7% |
| $600 - $999 | 51 | 3.2% | 3.6% |
| $1,000 - $1,199 | 34 | 2.2% | 3.1% |
| $1,200 - $1,399 | 35 | 2.2% | 4.1% |
| $1,400 - $1,599 | 53 | 3.4% | 4.4% |
| $1,600-$1,799 | 51 | 3.2% | 5.6% |
| $1,800 - $1,999 | 50 | 3.2% | 5.0% |
| $2,000 - $2,199 | 121 | 7.7% | 10.2% |
| $2,200 - $2,399 | 77 | 4.9% | 6.1% |
| $2,400-$2,599 | 98 | 6.2% | 6.6% |
| $2,600-$2,999 | 164 | 10.4% | 12.3% |
| $3,000-$3,999 | 405 | 25.7% | 18.5% |
| $4,000-$4,999 | 128 | 8.1% | 5.2% |
| $5000 and over | 96 | 6.1% | 3.2% |
| Not stated | 130 | 8.3% | 6.7% |
| Total | 1,575 | 100.0% | 100.0% |