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, $5000 and over was the most common mortgage repayment band among households with a mortgage in Byron Bay, accounting for 11.4% (57 households). This share was higher than Byron (A) (7.7%).
Section overview
Monthly housing loan repayments
Byron Bay - Households (Enumerated)
This table summarises housing loan repayments for Byron Bay in 2021 for persons, with comparison against Byron (A).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Byron Bay, with comparison markers for Byron (A).
$299 or less
2021 count
34
% of total
6.8%
34
6.8%
$300 - $599
2021 count
15
% of total
3.0%
15
3.0%
$600 - $999
2021 count
16
% of total
3.2%
16
3.2%
$1,000 - $1,199
2021 count
20
% of total
4.0%
20
4.0%
$1,200 - $1,399
2021 count
26
% of total
5.2%
26
5.2%
$1,400 - $1,599
2021 count
23
% of total
4.6%
23
4.6%
$1,600-$1,799
2021 count
29
% of total
5.8%
29
5.8%
$1,800 - $1,999
2021 count
16
% of total
3.2%
16
3.2%
$2,000 - $2,199
2021 count
50
% of total
10.0%
50
10.0%
$2,200 - $2,399
2021 count
20
% of total
4.0%
20
4.0%
$2,400-$2,599
2021 count
19
% of total
3.8%
19
3.8%
$2,600-$2,999
2021 count
39
% of total
7.8%
39
7.8%
$3,000-$3,999
2021 count
56
% of total
11.2%
56
11.2%
$4,000-$4,999
2021 count
34
% of total
6.8%
34
6.8%
$5000 and over
2021 count
57
% of total
11.4%
57
11.4%
Not stated
2021 count
45
% of total
9.0%
45
9.0%
Data table
Housing loan repayments for Byron Bay. Monthly housing loan repayments. 2021 counts and percentages compared with Byron (A).
| Category | 2021 count | 2021 % | Byron (A) % |
|---|---|---|---|
| $299 or less | 34 | 6.8% | 6.6% |
| $300 - $599 | 15 | 3.0% | 4.1% |
| $600 - $999 | 16 | 3.2% | 6.4% |
| $1,000 - $1,199 | 20 | 4.0% | 4.1% |
| $1,200 - $1,399 | 26 | 5.2% | 5.1% |
| $1,400 - $1,599 | 23 | 4.6% | 4.9% |
| $1,600-$1,799 | 29 | 5.8% | 6.5% |
| $1,800 - $1,999 | 16 | 3.2% | 4.0% |
| $2,000 - $2,199 | 50 | 10.0% | 9.0% |
| $2,200 - $2,399 | 20 | 4.0% | 3.9% |
| $2,400-$2,599 | 19 | 3.8% | 3.2% |
| $2,600-$2,999 | 39 | 7.8% | 8.7% |
| $3,000-$3,999 | 56 | 11.2% | 12.4% |
| $4,000-$4,999 | 34 | 6.8% | 6.0% |
| $5000 and over | 57 | 11.4% | 7.7% |
| Not stated | 45 | 9.0% | 7.4% |
| Total | 499 | 100.0% | 100.0% |