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 Sydenham (Vic.), accounting for 11.8% (155 households). This share was similar to Brimbank (C) (11.9%).
Section overview
Monthly housing loan repayments
Sydenham (Vic.) - Households (Enumerated)
This table summarises housing loan repayments for Sydenham (Vic.) in 2021 for persons, with comparison against Brimbank (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Sydenham (Vic.), with comparison markers for Brimbank (C).
$299 or less
2021 count
55
% of total
4.2%
55
4.2%
$300 - $599
2021 count
39
% of total
3.0%
39
3.0%
$600 - $999
2021 count
107
% of total
8.1%
107
8.1%
$1,000 - $1,199
2021 count
106
% of total
8.1%
106
8.1%
$1,200 - $1,399
2021 count
124
% of total
9.4%
124
9.4%
$1,400 - $1,599
2021 count
123
% of total
9.4%
123
9.4%
$1,600-$1,799
2021 count
145
% of total
11.0%
145
11.0%
$1,800 - $1,999
2021 count
74
% of total
5.6%
74
5.6%
$2,000 - $2,199
2021 count
155
% of total
11.8%
155
11.8%
$2,200 - $2,399
2021 count
60
% of total
4.6%
60
4.6%
$2,400-$2,599
2021 count
51
% of total
3.9%
51
3.9%
$2,600-$2,999
2021 count
49
% of total
3.7%
49
3.7%
$3,000-$3,999
2021 count
56
% of total
4.3%
56
4.3%
$4,000-$4,999
2021 count
31
% of total
2.4%
31
2.4%
$5000 and over
2021 count
24
% of total
1.8%
24
1.8%
Not stated
2021 count
114
% of total
8.7%
114
8.7%
Data table
Housing loan repayments for Sydenham (Vic.). Monthly housing loan repayments. 2021 counts and percentages compared with Brimbank (C).
| Category | 2021 count | 2021 % | Brimbank (C) % |
|---|---|---|---|
| $299 or less | 55 | 4.2% | 6.3% |
| $300 - $599 | 39 | 3.0% | 4.2% |
| $600 - $999 | 107 | 8.1% | 7.7% |
| $1,000 - $1,199 | 106 | 8.1% | 6.7% |
| $1,200 - $1,399 | 124 | 9.4% | 8.4% |
| $1,400 - $1,599 | 123 | 9.4% | 8.5% |
| $1,600-$1,799 | 145 | 11.0% | 8.9% |
| $1,800 - $1,999 | 74 | 5.6% | 6.7% |
| $2,000 - $2,199 | 155 | 11.8% | 11.9% |
| $2,200 - $2,399 | 60 | 4.6% | 4.3% |
| $2,400-$2,599 | 51 | 3.9% | 3.7% |
| $2,600-$2,999 | 49 | 3.7% | 5.0% |
| $3,000-$3,999 | 56 | 4.3% | 6.2% |
| $4,000-$4,999 | 31 | 2.4% | 2.2% |
| $5000 and over | 24 | 1.8% | 1.6% |
| Not stated | 114 | 8.7% | 7.8% |
| Total | 1,313 | 100.0% | 100.0% |