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, $2,000 - $2,199 was the most common mortgage repayment band among households with a mortgage in Ardeer, accounting for 12.4% (46 households). This share was higher than Brimbank (C) (11.9%).
Section overview
Monthly housing loan repayments
Ardeer - Households (Enumerated)
This table summarises housing loan repayments for Ardeer in 2021 for persons, with comparison against Brimbank (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Ardeer, with comparison markers for Brimbank (C).
$299 or less
2021 count
20
% of total
5.4%
20
5.4%
$300 - $599
2021 count
12
% of total
3.2%
12
3.2%
$600 - $999
2021 count
27
% of total
7.3%
27
7.3%
$1,000 - $1,199
2021 count
29
% of total
7.8%
29
7.8%
$1,200 - $1,399
2021 count
38
% of total
10.2%
38
10.2%
$1,400 - $1,599
2021 count
29
% of total
7.8%
29
7.8%
$1,600-$1,799
2021 count
43
% of total
11.6%
43
11.6%
$1,800 - $1,999
2021 count
22
% of total
5.9%
22
5.9%
$2,000 - $2,199
2021 count
46
% of total
12.4%
46
12.4%
$2,200 - $2,399
2021 count
18
% of total
4.8%
18
4.8%
$2,400-$2,599
2021 count
13
% of total
3.5%
13
3.5%
$2,600-$2,999
2021 count
18
% of total
4.8%
18
4.8%
$3,000-$3,999
2021 count
12
% of total
3.2%
12
3.2%
$4,000-$4,999
2021 count
8
% of total
2.2%
8
2.2%
$5000 and over
2021 count
5
% of total
1.3%
5
1.3%
Not stated
2021 count
32
% of total
8.6%
32
8.6%
Data table
Housing loan repayments for Ardeer. Monthly housing loan repayments. 2021 counts and percentages compared with Brimbank (C).
| Category | 2021 count | 2021 % | Brimbank (C) % |
|---|---|---|---|
| $299 or less | 20 | 5.4% | 6.3% |
| $300 - $599 | 12 | 3.2% | 4.2% |
| $600 - $999 | 27 | 7.3% | 7.7% |
| $1,000 - $1,199 | 29 | 7.8% | 6.7% |
| $1,200 - $1,399 | 38 | 10.2% | 8.4% |
| $1,400 - $1,599 | 29 | 7.8% | 8.5% |
| $1,600-$1,799 | 43 | 11.6% | 8.9% |
| $1,800 - $1,999 | 22 | 5.9% | 6.7% |
| $2,000 - $2,199 | 46 | 12.4% | 11.9% |
| $2,200 - $2,399 | 18 | 4.8% | 4.3% |
| $2,400-$2,599 | 13 | 3.5% | 3.7% |
| $2,600-$2,999 | 18 | 4.8% | 5.0% |
| $3,000-$3,999 | 12 | 3.2% | 6.2% |
| $4,000-$4,999 | 8 | 2.2% | 2.2% |
| $5000 and over | 5 | 1.3% | 1.6% |
| Not stated | 32 | 8.6% | 7.8% |
| Total | 372 | 100.0% | 100.0% |