Housing
Housing tenure
About this topic
Housing tenure shows whether households own their dwelling outright, are purchasing it, rent privately, rent from a social landlord, or occupy it under another arrangement. It describes how households hold or access housing, not the type of dwelling itself.
This topic is useful for analysing housing markets, affordability, stability, and the mix of owners and renters. It works best alongside dwelling type, household composition, and housing cost topics such as mortgage repayments and rent.
Interpretation notes
- Tenure type describes how the dwelling is occupied, including ownership, mortgage, rental, or other arrangements.
- It applies to occupied private dwellings and should not be confused with dwelling structure or housing cost measures.
Key insight
In 2021, 78.5% of households in Greater Hume Shire (A) were purchasing or had fully paid off their home, while 15.3% were renting. The mortgage share was higher than Regional NSW (31.2%).
Section overview
Housing tenure
Greater Hume Shire (A) - Households (Enumerated)
This table summarises housing tenure for Greater Hume Shire (A) in 2021 for persons, with comparison against Regional NSW and change since 2016.
Housing tenure snapshot
2021 distribution by category for Greater Hume Shire (A), with comparison markers for Regional NSW.
Fully owned
2021 count
1,693
% of total
43.0%
Change from 2016
+1.2pp
1,693
43.0%
+1.2pp
Mortgage
2021 count
1,398
% of total
35.5%
Change from 2016
-0.3pp
1,398
35.5%
-0.3pp
Renting - Total
2021 count
603
% of total
15.3%
Change from 2016
-2.4pp
603
15.3%
-2.4pp
Renting - Social housing
2021 count
48
% of total
1.2%
Change from 2016
+0.3pp
48
1.2%
+0.3pp
Renting - Private
2021 count
559
% of total
14.2%
Change from 2016
-1.6pp
559
14.2%
-1.6pp
Renting - Not stated
2021 count
5
% of total
0.1%
Change from 2016
-1.3pp
5
0.1%
-1.3pp
Other tenure type
2021 count
145
% of total
3.7%
Change from 2016
+2.6pp
145
3.7%
+2.6pp
Not stated
2021 count
96
% of total
2.4%
Change from 2016
-1.0pp
96
2.4%
-1.0pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
+146
+1.2pp
Mortgage
+72
-0.3pp
Renting - Total
-52
-2.4pp
Renting - Social housing
+15
+0.3pp
Renting - Private
-27
-1.6pp
Renting - Not stated
-45
-1.3pp
Other tenure type
+103
+2.6pp
Not stated
-29
-1.0pp
Data table
Housing tenure for Greater Hume Shire (A). Housing tenure. 2021 and 2016 counts, percentages, and change compared with Regional NSW.
| Category | 2021 | 2016 | Change | |||||
|---|---|---|---|---|---|---|---|---|
| Count | % | Regional NSW% | Count | % | Regional NSW% | Count | pp | |
| Fully owned | 1,693 | 43.0% | 38.0% | 1,547 | 41.8% | 37.4% | +146 | +1.2pp |
| Mortgage | 1,398 | 35.5% | 31.2% | 1,326 | 35.8% | 30.6% | +72 | -0.3pp |
| Renting - Total | 603 | 15.3% | 26.8% | 655 | 17.7% | 27.9% | -52 | -2.4pp |
| Renting - Social housing | 48 | 1.2% | 4.0% | 33 | 0.9% | 4.5% | +15 | +0.3pp |
| Renting - Private | 559 | 14.2% | 22.6% | 586 | 15.8% | 22.7% | -27 | -1.6pp |
| Renting - Not stated | 5 | 0.1% | 0.2% | 50 | 1.4% | 0.7% | -45 | -1.3pp |
| Other tenure type | 145 | 3.7% | 2.3% | 42 | 1.1% | 1.0% | +103 | +2.6pp |
| Not stated | 96 | 2.4% | 1.7% | 125 | 3.4% | 3.0% | -29 | -1.0pp |
| Total households | 3,936 | 100.0% | 100.0% | 3,699 | 100.0% | 100.0% | +237 | 0.0pp |