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 Sunshine North, accounting for 12.1% (134 households). This share was similar to Brimbank (C) (11.9%).
Section overview
Monthly housing loan repayments
Sunshine North - Households (Enumerated)
This table summarises housing loan repayments for Sunshine North in 2021 for persons, with comparison against Brimbank (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Sunshine North, with comparison markers for Brimbank (C).
$299 or less
2021 count
84
% of total
7.6%
84
7.6%
$300 - $599
2021 count
40
% of total
3.6%
40
3.6%
$600 - $999
2021 count
71
% of total
6.4%
71
6.4%
$1,000 - $1,199
2021 count
63
% of total
5.7%
63
5.7%
$1,200 - $1,399
2021 count
88
% of total
7.9%
88
7.9%
$1,400 - $1,599
2021 count
87
% of total
7.8%
87
7.8%
$1,600-$1,799
2021 count
92
% of total
8.3%
92
8.3%
$1,800 - $1,999
2021 count
67
% of total
6.0%
67
6.0%
$2,000 - $2,199
2021 count
134
% of total
12.1%
134
12.1%
$2,200 - $2,399
2021 count
58
% of total
5.2%
58
5.2%
$2,400-$2,599
2021 count
47
% of total
4.2%
47
4.2%
$2,600-$2,999
2021 count
61
% of total
5.5%
61
5.5%
$3,000-$3,999
2021 count
84
% of total
7.6%
84
7.6%
$4,000-$4,999
2021 count
29
% of total
2.6%
29
2.6%
$5000 and over
2021 count
16
% of total
1.4%
16
1.4%
Not stated
2021 count
88
% of total
7.9%
88
7.9%
Data table
Housing loan repayments for Sunshine North. Monthly housing loan repayments. 2021 counts and percentages compared with Brimbank (C).
| Category | 2021 count | 2021 % | Brimbank (C) % |
|---|---|---|---|
| $299 or less | 84 | 7.6% | 6.3% |
| $300 - $599 | 40 | 3.6% | 4.2% |
| $600 - $999 | 71 | 6.4% | 7.7% |
| $1,000 - $1,199 | 63 | 5.7% | 6.7% |
| $1,200 - $1,399 | 88 | 7.9% | 8.4% |
| $1,400 - $1,599 | 87 | 7.8% | 8.5% |
| $1,600-$1,799 | 92 | 8.3% | 8.9% |
| $1,800 - $1,999 | 67 | 6.0% | 6.7% |
| $2,000 - $2,199 | 134 | 12.1% | 11.9% |
| $2,200 - $2,399 | 58 | 5.2% | 4.3% |
| $2,400-$2,599 | 47 | 4.2% | 3.7% |
| $2,600-$2,999 | 61 | 5.5% | 5.0% |
| $3,000-$3,999 | 84 | 7.6% | 6.2% |
| $4,000-$4,999 | 29 | 2.6% | 2.2% |
| $5000 and over | 16 | 1.4% | 1.6% |
| Not stated | 88 | 7.9% | 7.8% |
| Total | 1,109 | 100.0% | 100.0% |