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, 60.6% of households in Gunnedah (A) were purchasing or had fully paid off their home, while 26.7% were renting. The mortgage share was higher than Regional NSW (29.4%).
Section overview
Housing tenure
Gunnedah (A) - Households (Enumerated)
This table summarises housing tenure for Gunnedah (A) in 2021 for persons, with comparison against Regional NSW and change since 2016.
Housing tenure snapshot
2021 distribution by category for Gunnedah (A), with comparison markers for Regional NSW.
Fully owned
2021 count
1,604
% of total
30.9%
Change from 2016
-1.2pp
1,604
30.9%
-1.2pp
Mortgage
2021 count
1,541
% of total
29.7%
Change from 2016
+1.9pp
1,541
29.7%
+1.9pp
Renting - Total
2021 count
1,382
% of total
26.7%
Change from 2016
-3.4pp
1,382
26.7%
-3.4pp
Renting - Social housing
2021 count
179
% of total
3.5%
Change from 2016
+0.1pp
179
3.5%
+0.1pp
Renting - Private
2021 count
1,195
% of total
23.0%
Change from 2016
-2.5pp
1,195
23.0%
-2.5pp
Renting - Not stated
2021 count
9
% of total
0.2%
Change from 2016
-1.1pp
9
0.2%
-1.1pp
Other tenure type
2021 count
163
% of total
3.1%
Change from 2016
+2.2pp
163
3.1%
+2.2pp
Not stated
2021 count
491
% of total
9.5%
Change from 2016
+0.5pp
491
9.5%
+0.5pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
+32
-1.2pp
Mortgage
+182
+1.9pp
Renting - Total
-93
-3.4pp
Renting - Social housing
+12
+0.1pp
Renting - Private
-52
-2.5pp
Renting - Not stated
-55
-1.1pp
Other tenure type
+121
+2.2pp
Not stated
+50
+0.5pp
Data table
Housing tenure for Gunnedah (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 | 1,604 | 30.9% | 36.3% | 1,572 | 32.1% | 35.5% | +32 | -1.2pp |
| Mortgage | 1,541 | 29.7% | 29.4% | 1,359 | 27.8% | 28.6% | +182 | +1.9pp |
| Renting - Total | 1,382 | 26.7% | 25.7% | 1,475 | 30.1% | 26.5% | -93 | -3.4pp |
| Renting - Social housing | 179 | 3.5% | 3.8% | 167 | 3.4% | 4.2% | +12 | +0.1pp |
| Renting - Private | 1,195 | 23.0% | 21.7% | 1,247 | 25.5% | 21.6% | -52 | -2.5pp |
| Renting - Not stated | 9 | 0.2% | 0.2% | 64 | 1.3% | 0.7% | -55 | -1.1pp |
| Other tenure type | 163 | 3.1% | 2.3% | 42 | 0.9% | 1.0% | +121 | +2.2pp |
| Not stated | 491 | 9.5% | 6.4% | 441 | 9.0% | 8.4% | +50 | +0.5pp |
| Total households | 5,185 | 100.0% | 100.0% | 4,894 | 100.0% | 100.0% | +291 | 0.0pp |