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 Mickleham, accounting for 17.8% (595 households). This share was higher than Hume (C) (13.3%).
Section overview
Monthly housing loan repayments
Mickleham - Households (Enumerated)
This table summarises housing loan repayments for Mickleham in 2021 for persons, with comparison against Hume (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Mickleham, with comparison markers for Hume (C).
$299 or less
2021 count
78
% of total
2.3%
78
2.3%
$300 - $599
2021 count
21
% of total
0.6%
21
0.6%
$600 - $999
2021 count
63
% of total
1.9%
63
1.9%
$1,000 - $1,199
2021 count
97
% of total
2.9%
97
2.9%
$1,200 - $1,399
2021 count
160
% of total
4.8%
160
4.8%
$1,400 - $1,599
2021 count
222
% of total
6.6%
222
6.6%
$1,600-$1,799
2021 count
406
% of total
12.2%
406
12.2%
$1,800 - $1,999
2021 count
446
% of total
13.4%
446
13.4%
$2,000 - $2,199
2021 count
595
% of total
17.8%
595
17.8%
$2,200 - $2,399
2021 count
297
% of total
8.9%
297
8.9%
$2,400-$2,599
2021 count
213
% of total
6.4%
213
6.4%
$2,600-$2,999
2021 count
186
% of total
5.6%
186
5.6%
$3,000-$3,999
2021 count
184
% of total
5.5%
184
5.5%
$4,000-$4,999
2021 count
75
% of total
2.2%
75
2.2%
$5000 and over
2021 count
75
% of total
2.2%
75
2.2%
Not stated
2021 count
221
% of total
6.6%
221
6.6%
Data table
Housing loan repayments for Mickleham. Monthly housing loan repayments. 2021 counts and percentages compared with Hume (C).
| Category | 2021 count | 2021 % | Hume (C) % |
|---|---|---|---|
| $299 or less | 78 | 2.3% | 3.9% |
| $300 - $599 | 21 | 0.6% | 2.7% |
| $600 - $999 | 63 | 1.9% | 5.8% |
| $1,000 - $1,199 | 97 | 2.9% | 5.1% |
| $1,200 - $1,399 | 160 | 4.8% | 7.4% |
| $1,400 - $1,599 | 222 | 6.6% | 8.8% |
| $1,600-$1,799 | 406 | 12.2% | 10.8% |
| $1,800 - $1,999 | 446 | 13.4% | 9.3% |
| $2,000 - $2,199 | 595 | 17.8% | 13.3% |
| $2,200 - $2,399 | 297 | 8.9% | 6.0% |
| $2,400-$2,599 | 213 | 6.4% | 4.4% |
| $2,600-$2,999 | 186 | 5.6% | 5.4% |
| $3,000-$3,999 | 184 | 5.5% | 6.0% |
| $4,000-$4,999 | 75 | 2.2% | 2.1% |
| $5000 and over | 75 | 2.2% | 1.8% |
| Not stated | 221 | 6.6% | 7.1% |
| Total | 3,339 | 100.0% | 100.0% |