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 Bayswater (Vic.), accounting for 11.2% (195 households). This share was similar to Knox (C) (11%).
Section overview
Monthly housing loan repayments
Bayswater (Vic.) - Households (Enumerated)
This table summarises housing loan repayments for Bayswater (Vic.) in 2021 for persons, with comparison against Knox (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Bayswater (Vic.), with comparison markers for Knox (C).
$299 or less
2021 count
94
% of total
5.4%
94
5.4%
$300 - $599
2021 count
43
% of total
2.5%
43
2.5%
$600 - $999
2021 count
111
% of total
6.4%
111
6.4%
$1,000 - $1,199
2021 count
95
% of total
5.5%
95
5.5%
$1,200 - $1,399
2021 count
139
% of total
8.0%
139
8.0%
$1,400 - $1,599
2021 count
153
% of total
8.8%
153
8.8%
$1,600-$1,799
2021 count
157
% of total
9.0%
157
9.0%
$1,800 - $1,999
2021 count
124
% of total
7.1%
124
7.1%
$2,000 - $2,199
2021 count
195
% of total
11.2%
195
11.2%
$2,200 - $2,399
2021 count
113
% of total
6.5%
113
6.5%
$2,400-$2,599
2021 count
103
% of total
5.9%
103
5.9%
$2,600-$2,999
2021 count
140
% of total
8.0%
140
8.0%
$3,000-$3,999
2021 count
120
% of total
6.9%
120
6.9%
$4,000-$4,999
2021 count
29
% of total
1.7%
29
1.7%
$5000 and over
2021 count
27
% of total
1.6%
27
1.6%
Not stated
2021 count
97
% of total
5.6%
97
5.6%
Data table
Housing loan repayments for Bayswater (Vic.). Monthly housing loan repayments. 2021 counts and percentages compared with Knox (C).
| Category | 2021 count | 2021 % | Knox (C) % |
|---|---|---|---|
| $299 or less | 94 | 5.4% | 5.2% |
| $300 - $599 | 43 | 2.5% | 3.2% |
| $600 - $999 | 111 | 6.4% | 6.3% |
| $1,000 - $1,199 | 95 | 5.5% | 4.8% |
| $1,200 - $1,399 | 139 | 8.0% | 6.1% |
| $1,400 - $1,599 | 153 | 8.8% | 6.7% |
| $1,600-$1,799 | 157 | 9.0% | 7.2% |
| $1,800 - $1,999 | 124 | 7.1% | 6.1% |
| $2,000 - $2,199 | 195 | 11.2% | 11.0% |
| $2,200 - $2,399 | 113 | 6.5% | 5.9% |
| $2,400-$2,599 | 103 | 5.9% | 5.7% |
| $2,600-$2,999 | 140 | 8.0% | 8.8% |
| $3,000-$3,999 | 120 | 6.9% | 11.5% |
| $4,000-$4,999 | 29 | 1.7% | 3.3% |
| $5000 and over | 27 | 1.6% | 2.4% |
| Not stated | 97 | 5.6% | 5.9% |
| Total | 1,740 | 100.0% | 100.0% |