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 Girraween (NSW), accounting for 17.2% (141 households). This share was higher than Cumberland (A) (14.3%).
Section overview
Monthly housing loan repayments
Girraween (NSW) - Households (Enumerated)
This table summarises housing loan repayments for Girraween (NSW) in 2021 for persons, with comparison against Cumberland (A).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Girraween (NSW), with comparison markers for Cumberland (A).
$299 or less
2021 count
32
% of total
3.9%
32
3.9%
$300 - $599
2021 count
10
% of total
1.2%
10
1.2%
$600 - $999
2021 count
26
% of total
3.2%
26
3.2%
$1,000 - $1,199
2021 count
27
% of total
3.3%
27
3.3%
$1,200 - $1,399
2021 count
11
% of total
1.3%
11
1.3%
$1,400 - $1,599
2021 count
29
% of total
3.5%
29
3.5%
$1,600-$1,799
2021 count
37
% of total
4.5%
37
4.5%
$1,800 - $1,999
2021 count
35
% of total
4.3%
35
4.3%
$2,000 - $2,199
2021 count
93
% of total
11.3%
93
11.3%
$2,200 - $2,399
2021 count
64
% of total
7.8%
64
7.8%
$2,400-$2,599
2021 count
76
% of total
9.3%
76
9.3%
$2,600-$2,999
2021 count
103
% of total
12.6%
103
12.6%
$3,000-$3,999
2021 count
141
% of total
17.2%
141
17.2%
$4,000-$4,999
2021 count
37
% of total
4.5%
37
4.5%
$5000 and over
2021 count
36
% of total
4.4%
36
4.4%
Not stated
2021 count
63
% of total
7.7%
63
7.7%
Data table
Housing loan repayments for Girraween (NSW). Monthly housing loan repayments. 2021 counts and percentages compared with Cumberland (A).
| Category | 2021 count | 2021 % | Cumberland (A) % |
|---|---|---|---|
| $299 or less | 32 | 3.9% | 5.2% |
| $300 - $599 | 10 | 1.2% | 2.2% |
| $600 - $999 | 26 | 3.2% | 4.3% |
| $1,000 - $1,199 | 27 | 3.3% | 3.6% |
| $1,200 - $1,399 | 11 | 1.3% | 4.5% |
| $1,400 - $1,599 | 29 | 3.5% | 5.1% |
| $1,600-$1,799 | 37 | 4.5% | 6.4% |
| $1,800 - $1,999 | 35 | 4.3% | 5.3% |
| $2,000 - $2,199 | 93 | 11.3% | 11.9% |
| $2,200 - $2,399 | 64 | 7.8% | 5.3% |
| $2,400-$2,599 | 76 | 9.3% | 5.5% |
| $2,600-$2,999 | 103 | 12.6% | 9.2% |
| $3,000-$3,999 | 141 | 17.2% | 14.3% |
| $4,000-$4,999 | 37 | 4.5% | 5.0% |
| $5000 and over | 36 | 4.4% | 3.8% |
| Not stated | 63 | 7.7% | 8.4% |
| Total | 820 | 100.0% | 100.0% |