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 Hume Shire (A), accounting for 17.4% (247 households). This share was higher than Regional NSW (9.7%).
Section overview
Monthly housing loan repayments
Greater Hume Shire (A) - Households (Enumerated)
This table summarises housing loan repayments for Greater Hume Shire (A) in 2021 for persons, with comparison against Regional NSW.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Greater Hume Shire (A), with comparison markers for Regional NSW.
$299 or less
2021 count
95
% of total
6.7%
95
6.7%
$300 - $599
2021 count
99
% of total
7.0%
99
7.0%
$600 - $999
2021 count
247
% of total
17.4%
247
17.4%
$1,000 - $1,199
2021 count
147
% of total
10.4%
147
10.4%
$1,200 - $1,399
2021 count
165
% of total
11.6%
165
11.6%
$1,400 - $1,599
2021 count
119
% of total
8.4%
119
8.4%
$1,600-$1,799
2021 count
116
% of total
8.2%
116
8.2%
$1,800 - $1,999
2021 count
63
% of total
4.4%
63
4.4%
$2,000 - $2,199
2021 count
84
% of total
5.9%
84
5.9%
$2,200 - $2,399
2021 count
23
% of total
1.6%
23
1.6%
$2,400-$2,599
2021 count
18
% of total
1.3%
18
1.3%
$2,600-$2,999
2021 count
54
% of total
3.8%
54
3.8%
$3,000-$3,999
2021 count
47
% of total
3.3%
47
3.3%
$4,000-$4,999
2021 count
21
% of total
1.5%
21
1.5%
$5000 and over
2021 count
27
% of total
1.9%
27
1.9%
Not stated
2021 count
94
% of total
6.6%
94
6.6%
Data table
Housing loan repayments for Greater Hume Shire (A). Monthly housing loan repayments. 2021 counts and percentages compared with Regional NSW.
| Category | 2021 count | 2021 % | Regional NSW % |
|---|---|---|---|
| $299 or less | 95 | 6.7% | 4.9% |
| $300 - $599 | 99 | 7.0% | 4.3% |
| $600 - $999 | 247 | 17.4% | 9.7% |
| $1,000 - $1,199 | 147 | 10.4% | 7.0% |
| $1,200 - $1,399 | 165 | 11.6% | 8.8% |
| $1,400 - $1,599 | 119 | 8.4% | 7.9% |
| $1,600-$1,799 | 116 | 8.2% | 9.1% |
| $1,800 - $1,999 | 63 | 4.4% | 6.4% |
| $2,000 - $2,199 | 84 | 5.9% | 10.0% |
| $2,200 - $2,399 | 23 | 1.6% | 4.2% |
| $2,400-$2,599 | 18 | 1.3% | 2.8% |
| $2,600-$2,999 | 54 | 3.8% | 7.0% |
| $3,000-$3,999 | 47 | 3.3% | 7.5% |
| $4,000-$4,999 | 21 | 1.5% | 2.7% |
| $5000 and over | 27 | 1.9% | 2.1% |
| Not stated | 94 | 6.6% | 5.7% |
| Total | 1,419 | 100.0% | 100.0% |