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, $2,000 - $2,199 was the most common mortgage repayment band among households with a mortgage in Craigieburn, accounting for 14.4% (1,463 households). This share was higher than Hume (C) (13.3%).
Section overview
Monthly housing loan repayments
Craigieburn - Households (Enumerated)
This table summarises housing loan repayments for Craigieburn in 2021 for persons, with comparison against Hume (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Craigieburn, with comparison markers for Hume (C).
$299 or less
2021 count
306
% of total
3.0%
306
3.0%
$300 - $599
2021 count
216
% of total
2.1%
216
2.1%
$600 - $999
2021 count
490
% of total
4.8%
490
4.8%
$1,000 - $1,199
2021 count
452
% of total
4.4%
452
4.4%
$1,200 - $1,399
2021 count
725
% of total
7.1%
725
7.1%
$1,400 - $1,599
2021 count
914
% of total
9.0%
914
9.0%
$1,600-$1,799
2021 count
1,210
% of total
11.9%
1,210
11.9%
$1,800 - $1,999
2021 count
1,086
% of total
10.7%
1,086
10.7%
$2,000 - $2,199
2021 count
1,463
% of total
14.4%
1,463
14.4%
$2,200 - $2,399
2021 count
696
% of total
6.8%
696
6.8%
$2,400-$2,599
2021 count
492
% of total
4.8%
492
4.8%
$2,600-$2,999
2021 count
493
% of total
4.8%
493
4.8%
$3,000-$3,999
2021 count
598
% of total
5.9%
598
5.9%
$4,000-$4,999
2021 count
159
% of total
1.6%
159
1.6%
$5000 and over
2021 count
170
% of total
1.7%
170
1.7%
Not stated
2021 count
718
% of total
7.0%
718
7.0%
Data table
Housing loan repayments for Craigieburn. Monthly housing loan repayments. 2021 counts and percentages compared with Hume (C).
| Category | 2021 count | 2021 % | Hume (C) % |
|---|---|---|---|
| $299 or less | 306 | 3.0% | 3.9% |
| $300 - $599 | 216 | 2.1% | 2.7% |
| $600 - $999 | 490 | 4.8% | 5.8% |
| $1,000 - $1,199 | 452 | 4.4% | 5.1% |
| $1,200 - $1,399 | 725 | 7.1% | 7.4% |
| $1,400 - $1,599 | 914 | 9.0% | 8.8% |
| $1,600-$1,799 | 1,210 | 11.9% | 10.8% |
| $1,800 - $1,999 | 1,086 | 10.7% | 9.3% |
| $2,000 - $2,199 | 1,463 | 14.4% | 13.3% |
| $2,200 - $2,399 | 696 | 6.8% | 6.0% |
| $2,400-$2,599 | 492 | 4.8% | 4.4% |
| $2,600-$2,999 | 493 | 4.8% | 5.4% |
| $3,000-$3,999 | 598 | 5.9% | 6.0% |
| $4,000-$4,999 | 159 | 1.6% | 2.1% |
| $5000 and over | 170 | 1.7% | 1.8% |
| Not stated | 718 | 7.0% | 7.1% |
| Total | 10,188 | 100.0% | 100.0% |