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 The Ponds, accounting for 32% (903 households). This share was higher than Blacktown (C) (18.5%).
Section overview
Monthly housing loan repayments
The Ponds - Households (Enumerated)
This table summarises housing loan repayments for The Ponds in 2021 for persons, with comparison against Blacktown (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for The Ponds, with comparison markers for Blacktown (C).
$299 or less
2021 count
91
% of total
3.2%
91
3.2%
$300 - $599
2021 count
20
% of total
0.7%
20
0.7%
$600 - $999
2021 count
37
% of total
1.3%
37
1.3%
$1,000 - $1,199
2021 count
52
% of total
1.8%
52
1.8%
$1,200 - $1,399
2021 count
44
% of total
1.6%
44
1.6%
$1,400 - $1,599
2021 count
51
% of total
1.8%
51
1.8%
$1,600-$1,799
2021 count
81
% of total
2.9%
81
2.9%
$1,800 - $1,999
2021 count
76
% of total
2.7%
76
2.7%
$2,000 - $2,199
2021 count
173
% of total
6.1%
173
6.1%
$2,200 - $2,399
2021 count
92
% of total
3.3%
92
3.3%
$2,400-$2,599
2021 count
153
% of total
5.4%
153
5.4%
$2,600-$2,999
2021 count
311
% of total
11.0%
311
11.0%
$3,000-$3,999
2021 count
903
% of total
32.0%
903
32.0%
$4,000-$4,999
2021 count
364
% of total
12.9%
364
12.9%
$5000 and over
2021 count
187
% of total
6.6%
187
6.6%
Not stated
2021 count
183
% of total
6.5%
183
6.5%
Data table
Housing loan repayments for The Ponds. Monthly housing loan repayments. 2021 counts and percentages compared with Blacktown (C).
| Category | 2021 count | 2021 % | Blacktown (C) % |
|---|---|---|---|
| $299 or less | 91 | 3.2% | 3.7% |
| $300 - $599 | 20 | 0.7% | 1.7% |
| $600 - $999 | 37 | 1.3% | 3.6% |
| $1,000 - $1,199 | 52 | 1.8% | 3.1% |
| $1,200 - $1,399 | 44 | 1.6% | 4.1% |
| $1,400 - $1,599 | 51 | 1.8% | 4.4% |
| $1,600-$1,799 | 81 | 2.9% | 5.6% |
| $1,800 - $1,999 | 76 | 2.7% | 5.0% |
| $2,000 - $2,199 | 173 | 6.1% | 10.2% |
| $2,200 - $2,399 | 92 | 3.3% | 6.1% |
| $2,400-$2,599 | 153 | 5.4% | 6.6% |
| $2,600-$2,999 | 311 | 11.0% | 12.3% |
| $3,000-$3,999 | 903 | 32.0% | 18.5% |
| $4,000-$4,999 | 364 | 12.9% | 5.2% |
| $5000 and over | 187 | 6.6% | 3.2% |
| Not stated | 183 | 6.5% | 6.7% |
| Total | 2,818 | 100.0% | 100.0% |