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, 72% of households in Kempsey (A) were purchasing or had fully paid off their home, while 24% were renting. The mortgage share was lower than Regional NSW (31.2%).
Section overview
Housing tenure
Kempsey (A) - Households (Enumerated)
This table summarises housing tenure for Kempsey (A) in 2021 for persons, with comparison against Regional NSW and change since 2016.
Housing tenure snapshot
2021 distribution by category for Kempsey (A), with comparison markers for Regional NSW.
Fully owned
2021 count
5,146
% of total
45.3%
Change from 2016
+2.3pp
5,146
45.3%
+2.3pp
Mortgage
2021 count
3,036
% of total
26.7%
Change from 2016
-0.3pp
3,036
26.7%
-0.3pp
Renting - Total
2021 count
2,725
% of total
24.0%
Change from 2016
-2.0pp
2,725
24.0%
-2.0pp
Renting - Social housing
2021 count
422
% of total
3.7%
Change from 2016
-0.4pp
422
3.7%
-0.4pp
Renting - Private
2021 count
2,283
% of total
20.1%
Change from 2016
-0.9pp
2,283
20.1%
-0.9pp
Renting - Not stated
2021 count
26
% of total
0.2%
Change from 2016
-0.6pp
26
0.2%
-0.6pp
Other tenure type
2021 count
183
% of total
1.6%
Change from 2016
+1.0pp
183
1.6%
+1.0pp
Not stated
2021 count
264
% of total
2.3%
Change from 2016
-1.2pp
264
2.3%
-1.2pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
+561
+2.3pp
Mortgage
+158
-0.3pp
Renting - Total
-39
-2.0pp
Renting - Social housing
-15
-0.4pp
Renting - Private
+48
-0.9pp
Renting - Not stated
-63
-0.6pp
Other tenure type
+119
+1.0pp
Not stated
-104
-1.2pp
Data table
Housing tenure for Kempsey (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 | 5,146 | 45.3% | 38.0% | 4,585 | 43.0% | 37.4% | +561 | +2.3pp |
| Mortgage | 3,036 | 26.7% | 31.2% | 2,878 | 27.0% | 30.6% | +158 | -0.3pp |
| Renting - Total | 2,725 | 24.0% | 26.8% | 2,764 | 26.0% | 27.9% | -39 | -2.0pp |
| Renting - Social housing | 422 | 3.7% | 4.0% | 437 | 4.1% | 4.5% | -15 | -0.4pp |
| Renting - Private | 2,283 | 20.1% | 22.6% | 2,235 | 21.0% | 22.7% | +48 | -0.9pp |
| Renting - Not stated | 26 | 0.2% | 0.2% | 89 | 0.8% | 0.7% | -63 | -0.6pp |
| Other tenure type | 183 | 1.6% | 2.3% | 64 | 0.6% | 1.0% | +119 | +1.0pp |
| Not stated | 264 | 2.3% | 1.7% | 368 | 3.5% | 3.0% | -104 | -1.2pp |
| Total households | 11,352 | 100.0% | 100.0% | 10,651 | 100.0% | 100.0% | +701 | 0.0pp |