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, $1,600-$1,799 was the most common mortgage repayment band among households with a mortgage in Cessnock (C), accounting for 11.5% (1,005 households). This share was higher than Regional NSW (9.1%).
Section overview
Monthly housing loan repayments
Cessnock (C) - Households (Enumerated)
This table summarises housing loan repayments for Cessnock (C) in 2021 for persons, with comparison against Regional NSW.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Cessnock (C), with comparison markers for Regional NSW.
$299 or less
2021 count
303
% of total
3.5%
303
3.5%
$300 - $599
2021 count
291
% of total
3.3%
291
3.3%
$600 - $999
2021 count
762
% of total
8.7%
762
8.7%
$1,000 - $1,199
2021 count
615
% of total
7.0%
615
7.0%
$1,200 - $1,399
2021 count
968
% of total
11.0%
968
11.0%
$1,400 - $1,599
2021 count
934
% of total
10.7%
934
10.7%
$1,600-$1,799
2021 count
1,005
% of total
11.5%
1,005
11.5%
$1,800 - $1,999
2021 count
658
% of total
7.5%
658
7.5%
$2,000 - $2,199
2021 count
867
% of total
9.9%
867
9.9%
$2,200 - $2,399
2021 count
329
% of total
3.8%
329
3.8%
$2,400-$2,599
2021 count
199
% of total
2.3%
199
2.3%
$2,600-$2,999
2021 count
493
% of total
5.6%
493
5.6%
$3,000-$3,999
2021 count
544
% of total
6.2%
544
6.2%
$4,000-$4,999
2021 count
158
% of total
1.8%
158
1.8%
$5000 and over
2021 count
122
% of total
1.4%
122
1.4%
Not stated
2021 count
516
% of total
5.9%
516
5.9%
Data table
Housing loan repayments for Cessnock (C). Monthly housing loan repayments. 2021 counts and percentages compared with Regional NSW.
| Category | 2021 count | 2021 % | Regional NSW % |
|---|---|---|---|
| $299 or less | 303 | 3.5% | 4.9% |
| $300 - $599 | 291 | 3.3% | 4.3% |
| $600 - $999 | 762 | 8.7% | 9.7% |
| $1,000 - $1,199 | 615 | 7.0% | 7.0% |
| $1,200 - $1,399 | 968 | 11.0% | 8.8% |
| $1,400 - $1,599 | 934 | 10.7% | 7.9% |
| $1,600-$1,799 | 1,005 | 11.5% | 9.1% |
| $1,800 - $1,999 | 658 | 7.5% | 6.4% |
| $2,000 - $2,199 | 867 | 9.9% | 10.0% |
| $2,200 - $2,399 | 329 | 3.8% | 4.2% |
| $2,400-$2,599 | 199 | 2.3% | 2.8% |
| $2,600-$2,999 | 493 | 5.6% | 7.0% |
| $3,000-$3,999 | 544 | 6.2% | 7.5% |
| $4,000-$4,999 | 158 | 1.8% | 2.7% |
| $5000 and over | 122 | 1.4% | 2.1% |
| Not stated | 516 | 5.9% | 5.7% |
| Total | 8,764 | 100.0% | 100.0% |