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, $3,000-$3,999 was the most common mortgage repayment band among households with a mortgage in Berala, accounting for 14.2% (93 households). This share was similar to Cumberland (A) (14.3%).
Section overview
Monthly housing loan repayments
Berala - Households (Enumerated)
This table summarises housing loan repayments for Berala in 2021 for persons, with comparison against Cumberland (A).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Berala, with comparison markers for Cumberland (A).
$299 or less
2021 count
55
% of total
8.4%
55
8.4%
$300 - $599
2021 count
20
% of total
3.1%
20
3.1%
$600 - $999
2021 count
52
% of total
8.0%
52
8.0%
$1,000 - $1,199
2021 count
22
% of total
3.4%
22
3.4%
$1,200 - $1,399
2021 count
34
% of total
5.2%
34
5.2%
$1,400 - $1,599
2021 count
30
% of total
4.6%
30
4.6%
$1,600-$1,799
2021 count
43
% of total
6.6%
43
6.6%
$1,800 - $1,999
2021 count
18
% of total
2.8%
18
2.8%
$2,000 - $2,199
2021 count
57
% of total
8.7%
57
8.7%
$2,200 - $2,399
2021 count
23
% of total
3.5%
23
3.5%
$2,400-$2,599
2021 count
34
% of total
5.2%
34
5.2%
$2,600-$2,999
2021 count
36
% of total
5.5%
36
5.5%
$3,000-$3,999
2021 count
93
% of total
14.2%
93
14.2%
$4,000-$4,999
2021 count
38
% of total
5.8%
38
5.8%
$5000 and over
2021 count
28
% of total
4.3%
28
4.3%
Not stated
2021 count
71
% of total
10.9%
71
10.9%
Data table
Housing loan repayments for Berala. Monthly housing loan repayments. 2021 counts and percentages compared with Cumberland (A).
| Category | 2021 count | 2021 % | Cumberland (A) % |
|---|---|---|---|
| $299 or less | 55 | 8.4% | 5.2% |
| $300 - $599 | 20 | 3.1% | 2.2% |
| $600 - $999 | 52 | 8.0% | 4.3% |
| $1,000 - $1,199 | 22 | 3.4% | 3.6% |
| $1,200 - $1,399 | 34 | 5.2% | 4.5% |
| $1,400 - $1,599 | 30 | 4.6% | 5.1% |
| $1,600-$1,799 | 43 | 6.6% | 6.4% |
| $1,800 - $1,999 | 18 | 2.8% | 5.3% |
| $2,000 - $2,199 | 57 | 8.7% | 11.9% |
| $2,200 - $2,399 | 23 | 3.5% | 5.3% |
| $2,400-$2,599 | 34 | 5.2% | 5.5% |
| $2,600-$2,999 | 36 | 5.5% | 9.2% |
| $3,000-$3,999 | 93 | 14.2% | 14.3% |
| $4,000-$4,999 | 38 | 5.8% | 5.0% |
| $5000 and over | 28 | 4.3% | 3.8% |
| Not stated | 71 | 10.9% | 8.4% |
| Total | 654 | 100.0% | 100.0% |