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, $2,000 - $2,199 was the most common mortgage repayment band among households with a mortgage in Smithfield (NSW) (part), accounting for 12.9% (137 households). This share was higher than Fairfield (C) (11.4%).
Section overview
Monthly housing loan repayments
Smithfield (NSW) (part) - Households (Enumerated)
This table summarises housing loan repayments for Smithfield (NSW) (part) in 2021 for persons, with comparison against Fairfield (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Smithfield (NSW) (part), with comparison markers for Fairfield (C).
$299 or less
2021 count
42
% of total
3.9%
42
3.9%
$300 - $599
2021 count
21
% of total
2.0%
21
2.0%
$600 - $999
2021 count
60
% of total
5.6%
60
5.6%
$1,000 - $1,199
2021 count
51
% of total
4.8%
51
4.8%
$1,200 - $1,399
2021 count
48
% of total
4.5%
48
4.5%
$1,400 - $1,599
2021 count
62
% of total
5.8%
62
5.8%
$1,600-$1,799
2021 count
68
% of total
6.4%
68
6.4%
$1,800 - $1,999
2021 count
51
% of total
4.8%
51
4.8%
$2,000 - $2,199
2021 count
137
% of total
12.9%
137
12.9%
$2,200 - $2,399
2021 count
51
% of total
4.8%
51
4.8%
$2,400-$2,599
2021 count
56
% of total
5.3%
56
5.3%
$2,600-$2,999
2021 count
125
% of total
11.7%
125
11.7%
$3,000-$3,999
2021 count
137
% of total
12.9%
137
12.9%
$4,000-$4,999
2021 count
43
% of total
4.0%
43
4.0%
$5000 and over
2021 count
25
% of total
2.3%
25
2.3%
Not stated
2021 count
87
% of total
8.2%
87
8.2%
Data table
Housing loan repayments for Smithfield (NSW) (part). Monthly housing loan repayments. 2021 counts and percentages compared with Fairfield (C).
| Category | 2021 count | 2021 % | Fairfield (C) % |
|---|---|---|---|
| $299 or less | 42 | 3.9% | 6.8% |
| $300 - $599 | 21 | 2.0% | 3.5% |
| $600 - $999 | 60 | 5.6% | 6.4% |
| $1,000 - $1,199 | 51 | 4.8% | 5.5% |
| $1,200 - $1,399 | 48 | 4.5% | 6.1% |
| $1,400 - $1,599 | 62 | 5.8% | 5.9% |
| $1,600-$1,799 | 68 | 6.4% | 6.7% |
| $1,800 - $1,999 | 51 | 4.8% | 4.5% |
| $2,000 - $2,199 | 137 | 12.9% | 11.4% |
| $2,200 - $2,399 | 51 | 4.8% | 4.1% |
| $2,400-$2,599 | 56 | 5.3% | 4.0% |
| $2,600-$2,999 | 125 | 11.7% | 8.3% |
| $3,000-$3,999 | 137 | 12.9% | 12.2% |
| $4,000-$4,999 | 43 | 4.0% | 3.7% |
| $5000 and over | 25 | 2.3% | 2.5% |
| Not stated | 87 | 8.2% | 8.2% |
| Total | 1,064 | 100.0% | 100.0% |