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 Cambridge (T), accounting for 19.6% (727 households). This share was higher than Greater Perth (3.3%).
Section overview
Monthly housing loan repayments
Cambridge (T) - Households (Enumerated)
This table summarises housing loan repayments for Cambridge (T) in 2021 for persons, with comparison against Greater Perth.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Cambridge (T), with comparison markers for Greater Perth.
$299 or less
2021 count
234
% of total
6.3%
234
6.3%
$300 - $599
2021 count
76
% of total
2.1%
76
2.1%
$600 - $999
2021 count
147
% of total
4.0%
147
4.0%
$1,000 - $1,199
2021 count
130
% of total
3.5%
130
3.5%
$1,200 - $1,399
2021 count
121
% of total
3.3%
121
3.3%
$1,400 - $1,599
2021 count
129
% of total
3.5%
129
3.5%
$1,600-$1,799
2021 count
109
% of total
2.9%
109
2.9%
$1,800 - $1,999
2021 count
88
% of total
2.4%
88
2.4%
$2,000 - $2,199
2021 count
241
% of total
6.5%
241
6.5%
$2,200 - $2,399
2021 count
107
% of total
2.9%
107
2.9%
$2,400-$2,599
2021 count
121
% of total
3.3%
121
3.3%
$2,600-$2,999
2021 count
205
% of total
5.5%
205
5.5%
$3,000-$3,999
2021 count
596
% of total
16.1%
596
16.1%
$4,000-$4,999
2021 count
456
% of total
12.3%
456
12.3%
$5000 and over
2021 count
727
% of total
19.6%
727
19.6%
Not stated
2021 count
213
% of total
5.8%
213
5.8%
Data table
Housing loan repayments for Cambridge (T). Monthly housing loan repayments. 2021 counts and percentages compared with Greater Perth.
| Category | 2021 count | 2021 % | Greater Perth % |
|---|---|---|---|
| $299 or less | 234 | 6.3% | 4.2% |
| $300 - $599 | 76 | 2.1% | 2.7% |
| $600 - $999 | 147 | 4.0% | 5.8% |
| $1,000 - $1,199 | 130 | 3.5% | 5.2% |
| $1,200 - $1,399 | 121 | 3.3% | 7.3% |
| $1,400 - $1,599 | 129 | 3.5% | 8.2% |
| $1,600-$1,799 | 109 | 2.9% | 9.7% |
| $1,800 - $1,999 | 88 | 2.4% | 7.5% |
| $2,000 - $2,199 | 241 | 6.5% | 11.7% |
| $2,200 - $2,399 | 107 | 2.9% | 5.1% |
| $2,400-$2,599 | 121 | 3.3% | 3.9% |
| $2,600-$2,999 | 205 | 5.5% | 7.2% |
| $3,000-$3,999 | 596 | 16.1% | 9.0% |
| $4,000-$4,999 | 456 | 12.3% | 3.7% |
| $5000 and over | 727 | 19.6% | 3.3% |
| Not stated | 213 | 5.8% | 5.6% |
| Total | 3,700 | 100.0% | 100.0% |