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, $600 to $999 was the most common mortgage repayment band among households with a mortgage in Charters Towers (R), accounting for 18.8% (221 households). This share was higher than Regional Qld (9.8%).
Section overview
Monthly housing loan repayments
Charters Towers (R) - Households (Enumerated)
This table summarises housing loan repayments for Charters Towers (R) in 2021 for persons, with comparison against Regional Qld.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Charters Towers (R), with comparison markers for Regional Qld.
$299 or less
2021 count
73
% of total
6.2%
73
6.2%
$300 - $599
2021 count
89
% of total
7.6%
89
7.6%
$600 - $999
2021 count
221
% of total
18.8%
221
18.8%
$1,000 - $1,199
2021 count
119
% of total
10.1%
119
10.1%
$1,200 - $1,399
2021 count
132
% of total
11.2%
132
11.2%
$1,400 - $1,599
2021 count
111
% of total
9.4%
111
9.4%
$1,600-$1,799
2021 count
98
% of total
8.3%
98
8.3%
$1,800 - $1,999
2021 count
45
% of total
3.8%
45
3.8%
$2,000 - $2,199
2021 count
87
% of total
7.4%
87
7.4%
$2,200 - $2,399
2021 count
12
% of total
1.0%
12
1.0%
$2,400-$2,599
2021 count
17
% of total
1.4%
17
1.4%
$2,600-$2,999
2021 count
30
% of total
2.5%
30
2.5%
$3,000-$3,999
2021 count
28
% of total
2.4%
28
2.4%
$4,000-$4,999
2021 count
11
% of total
0.9%
11
0.9%
$5000 and over
2021 count
17
% of total
1.4%
17
1.4%
Not stated
2021 count
87
% of total
7.4%
87
7.4%
Data table
Housing loan repayments for Charters Towers (R). Monthly housing loan repayments. 2021 counts and percentages compared with Regional Qld.
| Category | 2021 count | 2021 % | Regional Qld % |
|---|---|---|---|
| $299 or less | 73 | 6.2% | 4.6% |
| $300 - $599 | 89 | 7.6% | 4.1% |
| $600 - $999 | 221 | 18.8% | 9.8% |
| $1,000 - $1,199 | 119 | 10.1% | 7.4% |
| $1,200 - $1,399 | 132 | 11.2% | 9.5% |
| $1,400 - $1,599 | 111 | 9.4% | 8.8% |
| $1,600-$1,799 | 98 | 8.3% | 9.8% |
| $1,800 - $1,999 | 45 | 3.8% | 6.7% |
| $2,000 - $2,199 | 87 | 7.4% | 10.0% |
| $2,200 - $2,399 | 12 | 1.0% | 4.0% |
| $2,400-$2,599 | 17 | 1.4% | 2.6% |
| $2,600-$2,999 | 30 | 2.5% | 6.0% |
| $3,000-$3,999 | 28 | 2.4% | 6.3% |
| $4,000-$4,999 | 11 | 0.9% | 2.3% |
| $5000 and over | 17 | 1.4% | 1.8% |
| Not stated | 87 | 7.4% | 6.3% |
| Total | 1,177 | 100.0% | 100.0% |