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 Cumberland (A), accounting for 14.3% (3,015 households). This share was lower than Greater Sydney (16.1%).
Section overview
Monthly housing loan repayments
Cumberland (A) - Households (Enumerated)
This table summarises housing loan repayments for Cumberland (A) in 2021 for persons, with comparison against Greater Sydney.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Cumberland (A), with comparison markers for Greater Sydney.
$299 or less
2021 count
1,092
% of total
5.2%
1,092
5.2%
$300 - $599
2021 count
469
% of total
2.2%
469
2.2%
$600 - $999
2021 count
903
% of total
4.3%
903
4.3%
$1,000 - $1,199
2021 count
767
% of total
3.6%
767
3.6%
$1,200 - $1,399
2021 count
948
% of total
4.5%
948
4.5%
$1,400 - $1,599
2021 count
1,088
% of total
5.1%
1,088
5.1%
$1,600-$1,799
2021 count
1,348
% of total
6.4%
1,348
6.4%
$1,800 - $1,999
2021 count
1,123
% of total
5.3%
1,123
5.3%
$2,000 - $2,199
2021 count
2,525
% of total
11.9%
2,525
11.9%
$2,200 - $2,399
2021 count
1,127
% of total
5.3%
1,127
5.3%
$2,400-$2,599
2021 count
1,164
% of total
5.5%
1,164
5.5%
$2,600-$2,999
2021 count
1,941
% of total
9.2%
1,941
9.2%
$3,000-$3,999
2021 count
3,015
% of total
14.3%
3,015
14.3%
$4,000-$4,999
2021 count
1,053
% of total
5.0%
1,053
5.0%
$5000 and over
2021 count
813
% of total
3.8%
813
3.8%
Not stated
2021 count
1,774
% of total
8.4%
1,774
8.4%
Data table
Housing loan repayments for Cumberland (A). Monthly housing loan repayments. 2021 counts and percentages compared with Greater Sydney.
| Category | 2021 count | 2021 % | Greater Sydney % |
|---|---|---|---|
| $299 or less | 1,092 | 5.2% | 4.7% |
| $300 - $599 | 469 | 2.2% | 2.1% |
| $600 - $999 | 903 | 4.3% | 4.0% |
| $1,000 - $1,199 | 767 | 3.6% | 3.2% |
| $1,200 - $1,399 | 948 | 4.5% | 3.9% |
| $1,400 - $1,599 | 1,088 | 5.1% | 4.2% |
| $1,600-$1,799 | 1,348 | 6.4% | 5.1% |
| $1,800 - $1,999 | 1,123 | 5.3% | 4.3% |
| $2,000 - $2,199 | 2,525 | 11.9% | 9.3% |
| $2,200 - $2,399 | 1,127 | 5.3% | 4.8% |
| $2,400-$2,599 | 1,164 | 5.5% | 4.8% |
| $2,600-$2,999 | 1,941 | 9.2% | 9.3% |
| $3,000-$3,999 | 3,015 | 14.3% | 16.1% |
| $4,000-$4,999 | 1,053 | 5.0% | 8.0% |
| $5000 and over | 813 | 3.8% | 9.6% |
| Not stated | 1,774 | 8.4% | 6.6% |
| Total | 21,150 | 100.0% | 100.0% |