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, 70% of households in Cessnock (C) were purchasing or had fully paid off their home, while 27.3% were renting. The mortgage share was higher than Regional NSW (31.2%).
Section overview
Housing tenure
Cessnock (C) - Households (Enumerated)
This table summarises housing tenure for Cessnock (C) in 2021 for persons, with comparison against Regional NSW and change since 2016.
Housing tenure snapshot
2021 distribution by category for Cessnock (C), with comparison markers for Regional NSW.
Fully owned
2021 count
7,112
% of total
31.5%
Change from 2016
-1.4pp
7,112
31.5%
-1.4pp
Mortgage
2021 count
8,678
% of total
38.5%
Change from 2016
+3.2pp
8,678
38.5%
+3.2pp
Renting - Total
2021 count
6,150
% of total
27.3%
Change from 2016
-0.7pp
6,150
27.3%
-0.7pp
Renting - Social housing
2021 count
655
% of total
2.9%
Change from 2016
-0.6pp
655
2.9%
-0.6pp
Renting - Private
2021 count
5,455
% of total
24.2%
Change from 2016
+0.3pp
5,455
24.2%
+0.3pp
Renting - Not stated
2021 count
38
% of total
0.2%
Change from 2016
-0.3pp
38
0.2%
-0.3pp
Other tenure type
2021 count
307
% of total
1.4%
Change from 2016
+0.7pp
307
1.4%
+0.7pp
Not stated
2021 count
311
% of total
1.4%
Change from 2016
-1.7pp
311
1.4%
-1.7pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
+732
-1.4pp
Mortgage
+1,839
+3.2pp
Renting - Total
+734
-0.7pp
Renting - Social housing
-25
-0.6pp
Renting - Private
+819
+0.3pp
Renting - Not stated
-63
-0.3pp
Other tenure type
+174
+0.7pp
Not stated
-290
-1.7pp
Data table
Housing tenure for Cessnock (C). Housing tenure. 2021 and 2016 counts, percentages, and change compared with Regional NSW.
| Category | 2021 | 2016 | Change | |||||
|---|---|---|---|---|---|---|---|---|
| Count | % | Regional NSW% | Count | % | Regional NSW% | Count | pp | |
| Fully owned | 7,112 | 31.5% | 38.0% | 6,380 | 32.9% | 37.4% | +732 | -1.4pp |
| Mortgage | 8,678 | 38.5% | 31.2% | 6,839 | 35.3% | 30.6% | +1,839 | +3.2pp |
| Renting - Total | 6,150 | 27.3% | 26.8% | 5,416 | 28.0% | 27.9% | +734 | -0.7pp |
| Renting - Social housing | 655 | 2.9% | 4.0% | 680 | 3.5% | 4.5% | -25 | -0.6pp |
| Renting - Private | 5,455 | 24.2% | 22.6% | 4,636 | 23.9% | 22.7% | +819 | +0.3pp |
| Renting - Not stated | 38 | 0.2% | 0.2% | 101 | 0.5% | 0.7% | -63 | -0.3pp |
| Other tenure type | 307 | 1.4% | 2.3% | 133 | 0.7% | 1.0% | +174 | +0.7pp |
| Not stated | 311 | 1.4% | 1.7% | 601 | 3.1% | 3.0% | -290 | -1.7pp |
| Total households | 22,556 | 100.0% | 100.0% | 19,368 | 100.0% | 100.0% | +3,188 | 0.0pp |