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 Hume (C), accounting for 13.3% (4,798 households). This share was higher than Greater Melbourne (11.1%).
Section overview
Monthly housing loan repayments
Hume (C) - Households (Enumerated)
This table summarises housing loan repayments for Hume (C) in 2021 for persons, with comparison against Greater Melbourne.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Hume (C), with comparison markers for Greater Melbourne.
$299 or less
2021 count
1,418
% of total
3.9%
1,418
3.9%
$300 - $599
2021 count
974
% of total
2.7%
974
2.7%
$600 - $999
2021 count
2,089
% of total
5.8%
2,089
5.8%
$1,000 - $1,199
2021 count
1,834
% of total
5.1%
1,834
5.1%
$1,200 - $1,399
2021 count
2,648
% of total
7.4%
2,648
7.4%
$1,400 - $1,599
2021 count
3,175
% of total
8.8%
3,175
8.8%
$1,600-$1,799
2021 count
3,873
% of total
10.8%
3,873
10.8%
$1,800 - $1,999
2021 count
3,338
% of total
9.3%
3,338
9.3%
$2,000 - $2,199
2021 count
4,798
% of total
13.3%
4,798
13.3%
$2,200 - $2,399
2021 count
2,163
% of total
6.0%
2,163
6.0%
$2,400-$2,599
2021 count
1,579
% of total
4.4%
1,579
4.4%
$2,600-$2,999
2021 count
1,959
% of total
5.4%
1,959
5.4%
$3,000-$3,999
2021 count
2,176
% of total
6.0%
2,176
6.0%
$4,000-$4,999
2021 count
754
% of total
2.1%
754
2.1%
$5000 and over
2021 count
644
% of total
1.8%
644
1.8%
Not stated
2021 count
2,571
% of total
7.1%
2,571
7.1%
Data table
Housing loan repayments for Hume (C). Monthly housing loan repayments. 2021 counts and percentages compared with Greater Melbourne.
| Category | 2021 count | 2021 % | Greater Melbourne % |
|---|---|---|---|
| $299 or less | 1,418 | 3.9% | 4.8% |
| $300 - $599 | 974 | 2.7% | 2.8% |
| $600 - $999 | 2,089 | 5.8% | 5.4% |
| $1,000 - $1,199 | 1,834 | 5.1% | 4.6% |
| $1,200 - $1,399 | 2,648 | 7.4% | 5.9% |
| $1,400 - $1,599 | 3,175 | 8.8% | 6.8% |
| $1,600-$1,799 | 3,873 | 10.8% | 7.9% |
| $1,800 - $1,999 | 3,338 | 9.3% | 6.7% |
| $2,000 - $2,199 | 4,798 | 13.3% | 11.1% |
| $2,200 - $2,399 | 2,163 | 6.0% | 5.3% |
| $2,400-$2,599 | 1,579 | 4.4% | 4.7% |
| $2,600-$2,999 | 1,959 | 5.4% | 7.0% |
| $3,000-$3,999 | 2,176 | 6.0% | 10.7% |
| $4,000-$4,999 | 754 | 2.1% | 4.6% |
| $5000 and over | 644 | 1.8% | 5.0% |
| Not stated | 2,571 | 7.1% | 6.6% |
| Total | 35,993 | 100.0% | 100.0% |