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, 70.5% of households in Cowra (A) were purchasing or had fully paid off their home, while 25.1% were renting. The mortgage share was lower than Regional NSW (31.2%).
Section overview
Housing tenure
Cowra (A) - Households (Enumerated)
This table summarises housing tenure for Cowra (A) in 2021 for persons, with comparison against Regional NSW and change since 2016.
Housing tenure snapshot
2021 distribution by category for Cowra (A), with comparison markers for Regional NSW.
Fully owned
2021 count
2,225
% of total
43.8%
Change from 2016
+1.6pp
2,225
43.8%
+1.6pp
Mortgage
2021 count
1,355
% of total
26.7%
Change from 2016
-0.4pp
1,355
26.7%
-0.4pp
Renting - Total
2021 count
1,274
% of total
25.1%
Change from 2016
-1.1pp
1,274
25.1%
-1.1pp
Renting - Social housing
2021 count
210
% of total
4.1%
Change from 2016
-0.4pp
210
4.1%
-0.4pp
Renting - Private
2021 count
1,040
% of total
20.5%
Change from 2016
-0.1pp
1,040
20.5%
-0.1pp
Renting - Not stated
2021 count
17
% of total
0.3%
Change from 2016
-0.7pp
17
0.3%
-0.7pp
Other tenure type
2021 count
125
% of total
2.5%
Change from 2016
+1.8pp
125
2.5%
+1.8pp
Not stated
2021 count
105
% of total
2.1%
Change from 2016
-1.7pp
105
2.1%
-1.7pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
+190
+1.6pp
Mortgage
+49
-0.4pp
Renting - Total
+12
-1.1pp
Renting - Social housing
-7
-0.4pp
Renting - Private
+45
-0.1pp
Renting - Not stated
-31
-0.7pp
Other tenure type
+91
+1.8pp
Not stated
-78
-1.7pp
Data table
Housing tenure for Cowra (A). 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 | 2,225 | 43.8% | 38.0% | 2,035 | 42.2% | 37.4% | +190 | +1.6pp |
| Mortgage | 1,355 | 26.7% | 31.2% | 1,306 | 27.1% | 30.6% | +49 | -0.4pp |
| Renting - Total | 1,274 | 25.1% | 26.8% | 1,262 | 26.2% | 27.9% | +12 | -1.1pp |
| Renting - Social housing | 210 | 4.1% | 4.0% | 217 | 4.5% | 4.5% | -7 | -0.4pp |
| Renting - Private | 1,040 | 20.5% | 22.6% | 995 | 20.6% | 22.7% | +45 | -0.1pp |
| Renting - Not stated | 17 | 0.3% | 0.2% | 48 | 1.0% | 0.7% | -31 | -0.7pp |
| Other tenure type | 125 | 2.5% | 2.3% | 34 | 0.7% | 1.0% | +91 | +1.8pp |
| Not stated | 105 | 2.1% | 1.7% | 183 | 3.8% | 3.0% | -78 | -1.7pp |
| Total households | 5,081 | 100.0% | 100.0% | 4,823 | 100.0% | 100.0% | +258 | 0.0pp |