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, $600 to $999 was the most common mortgage repayment band among households with a mortgage in Greater Geraldton (C), accounting for 11.9% (598 households). This share was higher than Regional WA (10.8%).
Section overview
Monthly housing loan repayments
Greater Geraldton (C) - Households (Enumerated)
This table summarises housing loan repayments for Greater Geraldton (C) in 2021 for persons, with comparison against Regional WA.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Greater Geraldton (C), with comparison markers for Regional WA.
$299 or less
2021 count
197
% of total
3.9%
197
3.9%
$300 - $599
2021 count
208
% of total
4.1%
208
4.1%
$600 - $999
2021 count
598
% of total
11.9%
598
11.9%
$1,000 - $1,199
2021 count
425
% of total
8.4%
425
8.4%
$1,200 - $1,399
2021 count
542
% of total
10.8%
542
10.8%
$1,400 - $1,599
2021 count
492
% of total
9.8%
492
9.8%
$1,600-$1,799
2021 count
516
% of total
10.3%
516
10.3%
$1,800 - $1,999
2021 count
313
% of total
6.2%
313
6.2%
$2,000 - $2,199
2021 count
533
% of total
10.6%
533
10.6%
$2,200 - $2,399
2021 count
162
% of total
3.2%
162
3.2%
$2,400-$2,599
2021 count
80
% of total
1.6%
80
1.6%
$2,600-$2,999
2021 count
241
% of total
4.8%
241
4.8%
$3,000-$3,999
2021 count
271
% of total
5.4%
271
5.4%
$4,000-$4,999
2021 count
104
% of total
2.1%
104
2.1%
$5000 and over
2021 count
68
% of total
1.4%
68
1.4%
Not stated
2021 count
284
% of total
5.6%
284
5.6%
Data table
Housing loan repayments for Greater Geraldton (C). Monthly housing loan repayments. 2021 counts and percentages compared with Regional WA.
| Category | 2021 count | 2021 % | Regional WA % |
|---|---|---|---|
| $299 or less | 197 | 3.9% | 5.0% |
| $300 - $599 | 208 | 4.1% | 4.8% |
| $600 - $999 | 598 | 11.9% | 10.8% |
| $1,000 - $1,199 | 425 | 8.4% | 8.2% |
| $1,200 - $1,399 | 542 | 10.8% | 9.6% |
| $1,400 - $1,599 | 492 | 9.8% | 9.3% |
| $1,600-$1,799 | 516 | 10.3% | 9.7% |
| $1,800 - $1,999 | 313 | 6.2% | 6.3% |
| $2,000 - $2,199 | 533 | 10.6% | 9.7% |
| $2,200 - $2,399 | 162 | 3.2% | 3.6% |
| $2,400-$2,599 | 80 | 1.6% | 2.3% |
| $2,600-$2,999 | 241 | 4.8% | 5.2% |
| $3,000-$3,999 | 271 | 5.4% | 5.8% |
| $4,000-$4,999 | 104 | 2.1% | 2.2% |
| $5000 and over | 68 | 1.4% | 1.6% |
| Not stated | 284 | 5.6% | 5.7% |
| Total | 5,034 | 100.0% | 100.0% |