Housing
Housing tenure
About this topic
Housing tenure shows whether households own their dwelling outright, are purchasing it, rent privately, rent from a social landlord, or occupy it under another arrangement. It describes how households hold or access housing, not the type of dwelling itself.
This topic is useful for analysing housing markets, affordability, stability, and the mix of owners and renters. It works best alongside dwelling type, household composition, and housing cost topics such as mortgage repayments and rent.
Interpretation notes
- Tenure type describes how the dwelling is occupied, including ownership, mortgage, rental, or other arrangements.
- It applies to occupied private dwellings and should not be confused with dwelling structure or housing cost measures.
Key insight
In 2021, 73.5% of households in Cardinia (S) were purchasing or had fully paid off their home, while 23% were renting. The mortgage share was higher than Greater Melbourne (37.1%).
Section overview
Housing tenure
Cardinia (S) - Households (Enumerated)
This table summarises housing tenure for Cardinia (S) in 2021 for persons, with comparison against Greater Melbourne and change since 2016.
Housing tenure snapshot
2021 distribution by category for Cardinia (S), with comparison markers for Greater Melbourne.
Fully owned
2021 count
9,283
% of total
23.4%
Change from 2016
-1.0pp
9,283
23.4%
-1.0pp
Mortgage
2021 count
19,841
% of total
50.1%
Change from 2016
+1.1pp
19,841
50.1%
+1.1pp
Renting - Total
2021 count
9,107
% of total
23.0%
Change from 2016
+0.2pp
9,107
23.0%
+0.2pp
Renting - Social housing
2021 count
319
% of total
0.8%
Change from 2016
-0.2pp
319
0.8%
-0.2pp
Renting - Private
2021 count
8,748
% of total
22.1%
Change from 2016
+0.7pp
8,748
22.1%
+0.7pp
Renting - Not stated
2021 count
43
% of total
0.1%
Change from 2016
-0.3pp
43
0.1%
-0.3pp
Other tenure type
2021 count
798
% of total
2.0%
Change from 2016
+0.8pp
798
2.0%
+0.8pp
Not stated
2021 count
577
% of total
1.5%
Change from 2016
-1.0pp
577
1.5%
-1.0pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
+1,713
-1.0pp
Mortgage
+4,633
+1.1pp
Renting - Total
+2,026
+0.2pp
Renting - Social housing
+14
-0.2pp
Renting - Private
+2,100
+0.7pp
Renting - Not stated
-77
-0.3pp
Other tenure type
+432
+0.8pp
Not stated
-201
-1.0pp
Data table
Housing tenure for Cardinia (S). Housing tenure. 2021 and 2016 counts, percentages, and change compared with Greater Melbourne.
| Category | 2021 | 2016 | Change | |||||
|---|---|---|---|---|---|---|---|---|
| Count | % | Greater Melbourne% | Count | % | Greater Melbourne% | Count | pp | |
| Fully owned | 9,283 | 23.4% | 29.7% | 7,570 | 24.4% | 30.4% | +1,713 | -1.0pp |
| Mortgage | 19,841 | 50.1% | 37.1% | 15,208 | 49.0% | 36.0% | +4,633 | +1.1pp |
| Renting - Total | 9,107 | 23.0% | 30.2% | 7,081 | 22.8% | 30.0% | +2,026 | +0.2pp |
| Renting - Social housing | 319 | 0.8% | 2.3% | 305 | 1.0% | 2.7% | +14 | -0.2pp |
| Renting - Private | 8,748 | 22.1% | 27.7% | 6,648 | 21.4% | 26.9% | +2,100 | +0.7pp |
| Renting - Not stated | 43 | 0.1% | 0.1% | 120 | 0.4% | 0.4% | -77 | -0.3pp |
| Other tenure type | 798 | 2.0% | 1.6% | 366 | 1.2% | 0.8% | +432 | +0.8pp |
| Not stated | 577 | 1.5% | 1.4% | 778 | 2.5% | 2.7% | -201 | -1.0pp |
| Total households | 39,607 | 100.0% | 100.0% | 31,009 | 100.0% | 100.0% | +8,598 | 0.0pp |