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, 49.6% of households in Cumberland (A) were purchasing or had fully paid off their home, while 40.8% were renting. The mortgage share was lower than Greater Sydney (31.9%).
Section overview
Housing tenure
Cumberland (A) - Households (Enumerated)
This table summarises housing tenure for Cumberland (A) in 2021 for persons, with comparison against Greater Sydney and change since 2016.
Housing tenure snapshot
2021 distribution by category for Cumberland (A), with comparison markers for Greater Sydney.
Fully owned
2021 count
16,828
% of total
22.0%
Change from 2016
-2.5pp
16,828
22.0%
-2.5pp
Mortgage
2021 count
21,159
% of total
27.6%
Change from 2016
-0.9pp
21,159
27.6%
-0.9pp
Renting - Total
2021 count
31,258
% of total
40.8%
Change from 2016
+2.3pp
31,258
40.8%
+2.3pp
Renting - Social housing
2021 count
5,115
% of total
6.7%
Change from 2016
-0.4pp
5,115
6.7%
-0.4pp
Renting - Private
2021 count
25,916
% of total
33.8%
Change from 2016
+2.9pp
25,916
33.8%
+2.9pp
Renting - Not stated
2021 count
235
% of total
0.3%
Change from 2016
-0.2pp
235
0.3%
-0.2pp
Other tenure type
2021 count
1,161
% of total
1.5%
Change from 2016
+0.8pp
1,161
1.5%
+0.8pp
Not stated
2021 count
6,217
% of total
8.1%
Change from 2016
+0.3pp
6,217
8.1%
+0.3pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
+241
-2.5pp
Mortgage
+1,822
-0.9pp
Renting - Total
+5,139
+2.3pp
Renting - Social housing
+314
-0.4pp
Renting - Private
+4,940
+2.9pp
Renting - Not stated
-106
-0.2pp
Other tenure type
+709
+0.8pp
Not stated
+897
+0.3pp
Data table
Housing tenure for Cumberland (A). Housing tenure. 2021 and 2016 counts, percentages, and change compared with Greater Sydney.
| Category | 2021 | 2016 | Change | |||||
|---|---|---|---|---|---|---|---|---|
| Count | % | Greater Sydney% | Count | % | Greater Sydney% | Count | pp | |
| Fully owned | 16,828 | 22.0% | 26.7% | 16,587 | 24.5% | 27.7% | +241 | -2.5pp |
| Mortgage | 21,159 | 27.6% | 31.9% | 19,337 | 28.5% | 31.5% | +1,822 | -0.9pp |
| Renting - Total | 31,258 | 40.8% | 34.7% | 26,119 | 38.5% | 32.6% | +5,139 | +2.3pp |
| Renting - Social housing | 5,115 | 6.7% | 4.1% | 4,801 | 7.1% | 4.6% | +314 | -0.4pp |
| Renting - Private | 25,916 | 33.8% | 30.4% | 20,976 | 30.9% | 27.6% | +4,940 | +2.9pp |
| Renting - Not stated | 235 | 0.3% | 0.2% | 341 | 0.5% | 0.4% | -106 | -0.2pp |
| Other tenure type | 1,161 | 1.5% | 1.7% | 452 | 0.7% | 0.8% | +709 | +0.8pp |
| Not stated | 6,217 | 8.1% | 5.0% | 5,320 | 7.8% | 7.4% | +897 | +0.3pp |
| Total households | 76,629 | 100.0% | 100.0% | 67,815 | 100.0% | 100.0% | +8,814 | 0.0pp |