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 Penshurst (NSW), accounting for 17% (236 households). This share was higher than Georges River (A) (16.5%).
Section overview
Monthly housing loan repayments
Penshurst (NSW) - Households (Enumerated)
This table summarises housing loan repayments for Penshurst (NSW) in 2021 for persons, with comparison against Georges River (A).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Penshurst (NSW), with comparison markers for Georges River (A).
$299 or less
2021 count
90
% of total
6.5%
90
6.5%
$300 - $599
2021 count
35
% of total
2.5%
35
2.5%
$600 - $999
2021 count
63
% of total
4.5%
63
4.5%
$1,000 - $1,199
2021 count
58
% of total
4.2%
58
4.2%
$1,200 - $1,399
2021 count
59
% of total
4.2%
59
4.2%
$1,400 - $1,599
2021 count
63
% of total
4.5%
63
4.5%
$1,600-$1,799
2021 count
90
% of total
6.5%
90
6.5%
$1,800 - $1,999
2021 count
65
% of total
4.7%
65
4.7%
$2,000 - $2,199
2021 count
133
% of total
9.6%
133
9.6%
$2,200 - $2,399
2021 count
71
% of total
5.1%
71
5.1%
$2,400-$2,599
2021 count
52
% of total
3.7%
52
3.7%
$2,600-$2,999
2021 count
100
% of total
7.2%
100
7.2%
$3,000-$3,999
2021 count
236
% of total
17.0%
236
17.0%
$4,000-$4,999
2021 count
105
% of total
7.6%
105
7.6%
$5000 and over
2021 count
87
% of total
6.3%
87
6.3%
Not stated
2021 count
82
% of total
5.9%
82
5.9%
Data table
Housing loan repayments for Penshurst (NSW). Monthly housing loan repayments. 2021 counts and percentages compared with Georges River (A).
| Category | 2021 count | 2021 % | Georges River (A) % |
|---|---|---|---|
| $299 or less | 90 | 6.5% | 5.8% |
| $300 - $599 | 35 | 2.5% | 2.5% |
| $600 - $999 | 63 | 4.5% | 4.1% |
| $1,000 - $1,199 | 58 | 4.2% | 3.1% |
| $1,200 - $1,399 | 59 | 4.2% | 3.7% |
| $1,400 - $1,599 | 63 | 4.5% | 3.8% |
| $1,600-$1,799 | 90 | 6.5% | 4.5% |
| $1,800 - $1,999 | 65 | 4.7% | 3.8% |
| $2,000 - $2,199 | 133 | 9.6% | 9.5% |
| $2,200 - $2,399 | 71 | 5.1% | 4.3% |
| $2,400-$2,599 | 52 | 3.7% | 4.4% |
| $2,600-$2,999 | 100 | 7.2% | 7.6% |
| $3,000-$3,999 | 236 | 17.0% | 16.5% |
| $4,000-$4,999 | 105 | 7.6% | 9.3% |
| $5000 and over | 87 | 6.3% | 10.1% |
| Not stated | 82 | 5.9% | 7.2% |
| Total | 1,389 | 100.0% | 100.0% |