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 Lugarno, accounting for 20.7% (169 households). This share was higher than Georges River (A) (16.5%).
Section overview
Monthly housing loan repayments
Lugarno - Households (Enumerated)
This table summarises housing loan repayments for Lugarno in 2021 for persons, with comparison against Georges River (A).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Lugarno, with comparison markers for Georges River (A).
$299 or less
2021 count
32
% of total
3.9%
32
3.9%
$300 - $599
2021 count
20
% of total
2.5%
20
2.5%
$600 - $999
2021 count
23
% of total
2.8%
23
2.8%
$1,000 - $1,199
2021 count
21
% of total
2.6%
21
2.6%
$1,200 - $1,399
2021 count
24
% of total
2.9%
24
2.9%
$1,400 - $1,599
2021 count
16
% of total
2.0%
16
2.0%
$1,600-$1,799
2021 count
29
% of total
3.6%
29
3.6%
$1,800 - $1,999
2021 count
31
% of total
3.8%
31
3.8%
$2,000 - $2,199
2021 count
59
% of total
7.2%
59
7.2%
$2,200 - $2,399
2021 count
21
% of total
2.6%
21
2.6%
$2,400-$2,599
2021 count
28
% of total
3.4%
28
3.4%
$2,600-$2,999
2021 count
58
% of total
7.1%
58
7.1%
$3,000-$3,999
2021 count
169
% of total
20.7%
169
20.7%
$4,000-$4,999
2021 count
116
% of total
14.2%
116
14.2%
$5000 and over
2021 count
98
% of total
12.0%
98
12.0%
Not stated
2021 count
71
% of total
8.7%
71
8.7%
Data table
Housing loan repayments for Lugarno. Monthly housing loan repayments. 2021 counts and percentages compared with Georges River (A).
| Category | 2021 count | 2021 % | Georges River (A) % |
|---|---|---|---|
| $299 or less | 32 | 3.9% | 5.8% |
| $300 - $599 | 20 | 2.5% | 2.5% |
| $600 - $999 | 23 | 2.8% | 4.1% |
| $1,000 - $1,199 | 21 | 2.6% | 3.1% |
| $1,200 - $1,399 | 24 | 2.9% | 3.7% |
| $1,400 - $1,599 | 16 | 2.0% | 3.8% |
| $1,600-$1,799 | 29 | 3.6% | 4.5% |
| $1,800 - $1,999 | 31 | 3.8% | 3.8% |
| $2,000 - $2,199 | 59 | 7.2% | 9.5% |
| $2,200 - $2,399 | 21 | 2.6% | 4.3% |
| $2,400-$2,599 | 28 | 3.4% | 4.4% |
| $2,600-$2,999 | 58 | 7.1% | 7.6% |
| $3,000-$3,999 | 169 | 20.7% | 16.5% |
| $4,000-$4,999 | 116 | 14.2% | 9.3% |
| $5000 and over | 98 | 12.0% | 10.1% |
| Not stated | 71 | 8.7% | 7.2% |
| Total | 816 | 100.0% | 100.0% |