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 to $2,199 was the most common mortgage repayment band among households with a mortgage in Cardinia (S), accounting for 13.2% (2,625 households). This share was higher than Greater Melbourne (11.1%).
Section overview
Monthly housing loan repayments
Cardinia (S) - Households (Enumerated)
This table summarises housing loan repayments for Cardinia (S) in 2021 for persons, with comparison against Greater Melbourne.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Cardinia (S), with comparison markers for Greater Melbourne.
Nil Repayments
2021 count
361
% of total
1.8%
361
1.8%
1 To 149
2021 count
130
% of total
0.7%
130
0.7%
150 To 299
2021 count
124
% of total
0.6%
124
0.6%
300 To 449
2021 count
271
% of total
1.4%
271
1.4%
450 To 599
2021 count
250
% of total
1.3%
250
1.3%
600 To 799
2021 count
387
% of total
1.9%
387
1.9%
800 To 999
2021 count
655
% of total
3.3%
655
3.3%
1000 To 1199
2021 count
991
% of total
5.0%
991
5.0%
1200 To 1399
2021 count
1,452
% of total
7.3%
1,452
7.3%
1400 To 1599
2021 count
1,772
% of total
8.9%
1,772
8.9%
1600 To 1799
2021 count
2,200
% of total
11.1%
2,200
11.1%
1800 To 1999
2021 count
1,928
% of total
9.7%
1,928
9.7%
2000 To 2199
2021 count
2,625
% of total
13.2%
2,625
13.2%
2200 To 2399
2021 count
1,265
% of total
6.4%
1,265
6.4%
2400 To 2599
2021 count
854
% of total
4.3%
854
4.3%
2600 To 2799
2021 count
885
% of total
4.4%
885
4.4%
2800 To 2999
2021 count
435
% of total
2.2%
435
2.2%
3000 To 3499
2021 count
1,015
% of total
5.1%
1,015
5.1%
3500 To 3999
2021 count
317
% of total
1.6%
317
1.6%
4000 To 4999
2021 count
438
% of total
2.2%
438
2.2%
5000 And Over
2021 count
369
% of total
1.9%
369
1.9%
Not stated
2021 count
1,179
% of total
5.9%
1,179
5.9%
Data table
Housing loan repayments for Cardinia (S). Monthly housing loan repayments. 2021 counts and percentages compared with Greater Melbourne.
| Category | 2021 count | 2021 % | Greater Melbourne % |
|---|---|---|---|
| Nil Repayments | 361 | 1.8% | 3.1% |
| 1 To 149 | 130 | 0.7% | 0.9% |
| 150 To 299 | 124 | 0.6% | 0.8% |
| 300 To 449 | 271 | 1.4% | 1.5% |
| 450 To 599 | 250 | 1.3% | 1.3% |
| 600 To 799 | 387 | 1.9% | 2.2% |
| 800 To 999 | 655 | 3.3% | 3.2% |
| 1000 To 1199 | 991 | 5.0% | 4.6% |
| 1200 To 1399 | 1,452 | 7.3% | 5.9% |
| 1400 To 1599 | 1,772 | 8.9% | 6.8% |
| 1600 To 1799 | 2,200 | 11.1% | 7.9% |
| 1800 To 1999 | 1,928 | 9.7% | 6.7% |
| 2000 To 2199 | 2,625 | 13.2% | 11.1% |
| 2200 To 2399 | 1,265 | 6.4% | 5.3% |
| 2400 To 2599 | 854 | 4.3% | 4.7% |
| 2600 To 2799 | 885 | 4.4% | 4.5% |
| 2800 To 2999 | 435 | 2.2% | 2.5% |
| 3000 To 3499 | 1,015 | 5.1% | 7.6% |
| 3500 To 3999 | 317 | 1.6% | 3.1% |
| 4000 To 4999 | 438 | 2.2% | 4.6% |
| 5000 And Over | 369 | 1.9% | 5.0% |
| Not stated | 1,179 | 5.9% | 6.6% |
| Total | 19,903 | 100.0% | 100.0% |