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 (Vic.), accounting for 11.3% (108 households). This share was lower than Brimbank (C) (11.9%).
Section overview
Monthly housing loan repayments
Sunshine (Vic.) - Households (Enumerated)
This table summarises housing loan repayments for Sunshine (Vic.) in 2021 for persons, with comparison against Brimbank (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Sunshine (Vic.), with comparison markers for Brimbank (C).
$299 or less
2021 count
47
% of total
4.9%
47
4.9%
$300 - $599
2021 count
42
% of total
4.4%
42
4.4%
$600 - $999
2021 count
78
% of total
8.2%
78
8.2%
$1,000 - $1,199
2021 count
70
% of total
7.3%
70
7.3%
$1,200 - $1,399
2021 count
66
% of total
6.9%
66
6.9%
$1,400 - $1,599
2021 count
60
% of total
6.3%
60
6.3%
$1,600-$1,799
2021 count
63
% of total
6.6%
63
6.6%
$1,800 - $1,999
2021 count
61
% of total
6.4%
61
6.4%
$2,000 - $2,199
2021 count
108
% of total
11.3%
108
11.3%
$2,200 - $2,399
2021 count
45
% of total
4.7%
45
4.7%
$2,400-$2,599
2021 count
52
% of total
5.5%
52
5.5%
$2,600-$2,999
2021 count
58
% of total
6.1%
58
6.1%
$3,000-$3,999
2021 count
105
% of total
11.0%
105
11.0%
$4,000-$4,999
2021 count
22
% of total
2.3%
22
2.3%
$5000 and over
2021 count
20
% of total
2.1%
20
2.1%
Not stated
2021 count
57
% of total
6.0%
57
6.0%
Data table
Housing loan repayments for Sunshine (Vic.). Monthly housing loan repayments. 2021 counts and percentages compared with Brimbank (C).
| Category | 2021 count | 2021 % | Brimbank (C) % |
|---|---|---|---|
| $299 or less | 47 | 4.9% | 6.3% |
| $300 - $599 | 42 | 4.4% | 4.2% |
| $600 - $999 | 78 | 8.2% | 7.7% |
| $1,000 - $1,199 | 70 | 7.3% | 6.7% |
| $1,200 - $1,399 | 66 | 6.9% | 8.4% |
| $1,400 - $1,599 | 60 | 6.3% | 8.5% |
| $1,600-$1,799 | 63 | 6.6% | 8.9% |
| $1,800 - $1,999 | 61 | 6.4% | 6.7% |
| $2,000 - $2,199 | 108 | 11.3% | 11.9% |
| $2,200 - $2,399 | 45 | 4.7% | 4.3% |
| $2,400-$2,599 | 52 | 5.5% | 3.7% |
| $2,600-$2,999 | 58 | 6.1% | 5.0% |
| $3,000-$3,999 | 105 | 11.0% | 6.2% |
| $4,000-$4,999 | 22 | 2.3% | 2.2% |
| $5000 and over | 20 | 2.1% | 1.6% |
| Not stated | 57 | 6.0% | 7.8% |
| Total | 954 | 100.0% | 100.0% |