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 Horsham (RC), accounting for 20.3% (535 households). This share was higher than Regional Vic. (13.8%).
Section overview
Monthly housing loan repayments
Horsham (RC) - Households (Enumerated)
This table summarises housing loan repayments for Horsham (RC) in 2021 for persons, with comparison against Regional Vic..
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Horsham (RC), with comparison markers for Regional Vic..
$299 or less
2021 count
132
% of total
5.0%
132
5.0%
$300 - $599
2021 count
185
% of total
7.0%
185
7.0%
$600 - $999
2021 count
535
% of total
20.3%
535
20.3%
$1,000 - $1,199
2021 count
380
% of total
14.4%
380
14.4%
$1,200 - $1,399
2021 count
345
% of total
13.1%
345
13.1%
$1,400 - $1,599
2021 count
230
% of total
8.7%
230
8.7%
$1,600-$1,799
2021 count
203
% of total
7.7%
203
7.7%
$1,800 - $1,999
2021 count
104
% of total
3.9%
104
3.9%
$2,000 - $2,199
2021 count
140
% of total
5.3%
140
5.3%
$2,200 - $2,399
2021 count
48
% of total
1.8%
48
1.8%
$2,400-$2,599
2021 count
22
% of total
0.8%
22
0.8%
$2,600-$2,999
2021 count
69
% of total
2.6%
69
2.6%
$3,000-$3,999
2021 count
75
% of total
2.8%
75
2.8%
$4,000-$4,999
2021 count
18
% of total
0.7%
18
0.7%
$5000 and over
2021 count
16
% of total
0.6%
16
0.6%
Not stated
2021 count
131
% of total
5.0%
131
5.0%
Data table
Housing loan repayments for Horsham (RC). Monthly housing loan repayments. 2021 counts and percentages compared with Regional Vic..
| Category | 2021 count | 2021 % | Regional Vic. % |
|---|---|---|---|
| $299 or less | 132 | 5.0% | 4.9% |
| $300 - $599 | 185 | 7.0% | 5.8% |
| $600 - $999 | 535 | 20.3% | 13.8% |
| $1,000 - $1,199 | 380 | 14.4% | 9.6% |
| $1,200 - $1,399 | 345 | 13.1% | 11.2% |
| $1,400 - $1,599 | 230 | 8.7% | 9.5% |
| $1,600-$1,799 | 203 | 7.7% | 9.4% |
| $1,800 - $1,999 | 104 | 3.9% | 5.7% |
| $2,000 - $2,199 | 140 | 5.3% | 8.0% |
| $2,200 - $2,399 | 48 | 1.8% | 2.8% |
| $2,400-$2,599 | 22 | 0.8% | 1.9% |
| $2,600-$2,999 | 69 | 2.6% | 4.1% |
| $3,000-$3,999 | 75 | 2.8% | 4.4% |
| $4,000-$4,999 | 18 | 0.7% | 1.7% |
| $5000 and over | 16 | 0.6% | 1.4% |
| Not stated | 131 | 5.0% | 5.9% |
| Total | 2,633 | 100.0% | 100.0% |