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 The Basin (Vic.), accounting for 12.1% (98 households). This share was higher than Knox (C) (11%).
Section overview
Monthly housing loan repayments
The Basin (Vic.) - Households (Enumerated)
This table summarises housing loan repayments for The Basin (Vic.) in 2021 for persons, with comparison against Knox (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for The Basin (Vic.), with comparison markers for Knox (C).
$299 or less
2021 count
37
% of total
4.6%
37
4.6%
$300 - $599
2021 count
25
% of total
3.1%
25
3.1%
$600 - $999
2021 count
58
% of total
7.2%
58
7.2%
$1,000 - $1,199
2021 count
36
% of total
4.4%
36
4.4%
$1,200 - $1,399
2021 count
39
% of total
4.8%
39
4.8%
$1,400 - $1,599
2021 count
57
% of total
7.0%
57
7.0%
$1,600-$1,799
2021 count
74
% of total
9.1%
74
9.1%
$1,800 - $1,999
2021 count
64
% of total
7.9%
64
7.9%
$2,000 - $2,199
2021 count
98
% of total
12.1%
98
12.1%
$2,200 - $2,399
2021 count
56
% of total
6.9%
56
6.9%
$2,400-$2,599
2021 count
37
% of total
4.6%
37
4.6%
$2,600-$2,999
2021 count
91
% of total
11.2%
91
11.2%
$3,000-$3,999
2021 count
62
% of total
7.6%
62
7.6%
$4,000-$4,999
2021 count
23
% of total
2.8%
23
2.8%
$5000 and over
2021 count
10
% of total
1.2%
10
1.2%
Not stated
2021 count
44
% of total
5.4%
44
5.4%
Data table
Housing loan repayments for The Basin (Vic.). Monthly housing loan repayments. 2021 counts and percentages compared with Knox (C).
| Category | 2021 count | 2021 % | Knox (C) % |
|---|---|---|---|
| $299 or less | 37 | 4.6% | 5.2% |
| $300 - $599 | 25 | 3.1% | 3.2% |
| $600 - $999 | 58 | 7.2% | 6.3% |
| $1,000 - $1,199 | 36 | 4.4% | 4.8% |
| $1,200 - $1,399 | 39 | 4.8% | 6.1% |
| $1,400 - $1,599 | 57 | 7.0% | 6.7% |
| $1,600-$1,799 | 74 | 9.1% | 7.2% |
| $1,800 - $1,999 | 64 | 7.9% | 6.1% |
| $2,000 - $2,199 | 98 | 12.1% | 11.0% |
| $2,200 - $2,399 | 56 | 6.9% | 5.9% |
| $2,400-$2,599 | 37 | 4.6% | 5.7% |
| $2,600-$2,999 | 91 | 11.2% | 8.8% |
| $3,000-$3,999 | 62 | 7.6% | 11.5% |
| $4,000-$4,999 | 23 | 2.8% | 3.3% |
| $5000 and over | 10 | 1.2% | 2.4% |
| Not stated | 44 | 5.4% | 5.9% |
| Total | 811 | 100.0% | 100.0% |