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, $1,600-$1,799 was the most common mortgage repayment band among households with a mortgage in Golden Plains (S), accounting for 10.9% (478 households). This share was higher than Regional Vic. (9.4%).
Section overview
Monthly housing loan repayments
Golden Plains (S) - Households (Enumerated)
This table summarises housing loan repayments for Golden Plains (S) in 2021 for persons, with comparison against Regional Vic..
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Golden Plains (S), with comparison markers for Regional Vic..
$299 or less
2021 count
168
% of total
3.8%
168
3.8%
$300 - $599
2021 count
182
% of total
4.1%
182
4.1%
$600 - $999
2021 count
400
% of total
9.1%
400
9.1%
$1,000 - $1,199
2021 count
292
% of total
6.6%
292
6.6%
$1,200 - $1,399
2021 count
376
% of total
8.5%
376
8.5%
$1,400 - $1,599
2021 count
389
% of total
8.8%
389
8.8%
$1,600-$1,799
2021 count
478
% of total
10.9%
478
10.9%
$1,800 - $1,999
2021 count
322
% of total
7.3%
322
7.3%
$2,000 - $2,199
2021 count
460
% of total
10.4%
460
10.4%
$2,200 - $2,399
2021 count
220
% of total
5.0%
220
5.0%
$2,400-$2,599
2021 count
133
% of total
3.0%
133
3.0%
$2,600-$2,999
2021 count
315
% of total
7.2%
315
7.2%
$3,000-$3,999
2021 count
267
% of total
6.1%
267
6.1%
$4,000-$4,999
2021 count
84
% of total
1.9%
84
1.9%
$5000 and over
2021 count
58
% of total
1.3%
58
1.3%
Not stated
2021 count
259
% of total
5.9%
259
5.9%
Data table
Housing loan repayments for Golden Plains (S). Monthly housing loan repayments. 2021 counts and percentages compared with Regional Vic..
| Category | 2021 count | 2021 % | Regional Vic. % |
|---|---|---|---|
| $299 or less | 168 | 3.8% | 4.9% |
| $300 - $599 | 182 | 4.1% | 5.8% |
| $600 - $999 | 400 | 9.1% | 13.8% |
| $1,000 - $1,199 | 292 | 6.6% | 9.6% |
| $1,200 - $1,399 | 376 | 8.5% | 11.2% |
| $1,400 - $1,599 | 389 | 8.8% | 9.5% |
| $1,600-$1,799 | 478 | 10.9% | 9.4% |
| $1,800 - $1,999 | 322 | 7.3% | 5.7% |
| $2,000 - $2,199 | 460 | 10.4% | 8.0% |
| $2,200 - $2,399 | 220 | 5.0% | 2.8% |
| $2,400-$2,599 | 133 | 3.0% | 1.9% |
| $2,600-$2,999 | 315 | 7.2% | 4.1% |
| $3,000-$3,999 | 267 | 6.1% | 4.4% |
| $4,000-$4,999 | 84 | 1.9% | 1.7% |
| $5000 and over | 58 | 1.3% | 1.4% |
| Not stated | 259 | 5.9% | 5.9% |
| Total | 4,403 | 100.0% | 100.0% |