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, $1,600-$1,799 was the most common mortgage repayment band among households with a mortgage in Light (RegC), accounting for 12.7% (342 households). This share was higher than Regional SA (7.4%).
Section overview
Monthly housing loan repayments
Light (RegC) - Households (Enumerated)
This table summarises housing loan repayments for Light (RegC) in 2021 for persons, with comparison against Regional SA.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Light (RegC), with comparison markers for Regional SA.
$299 or less
2021 count
140
% of total
5.2%
140
5.2%
$300 - $599
2021 count
135
% of total
5.0%
135
5.0%
$600 - $999
2021 count
326
% of total
12.1%
326
12.1%
$1,000 - $1,199
2021 count
237
% of total
8.8%
237
8.8%
$1,200 - $1,399
2021 count
316
% of total
11.7%
316
11.7%
$1,400 - $1,599
2021 count
309
% of total
11.4%
309
11.4%
$1,600-$1,799
2021 count
342
% of total
12.7%
342
12.7%
$1,800 - $1,999
2021 count
177
% of total
6.6%
177
6.6%
$2,000 - $2,199
2021 count
231
% of total
8.6%
231
8.6%
$2,200 - $2,399
2021 count
74
% of total
2.7%
74
2.7%
$2,400-$2,599
2021 count
52
% of total
1.9%
52
1.9%
$2,600-$2,999
2021 count
104
% of total
3.9%
104
3.9%
$3,000-$3,999
2021 count
79
% of total
2.9%
79
2.9%
$4,000-$4,999
2021 count
31
% of total
1.1%
31
1.1%
$5000 and over
2021 count
26
% of total
1.0%
26
1.0%
Not stated
2021 count
120
% of total
4.4%
120
4.4%
Data table
Housing loan repayments for Light (RegC). Monthly housing loan repayments. 2021 counts and percentages compared with Regional SA.
| Category | 2021 count | 2021 % | Regional SA % |
|---|---|---|---|
| $299 or less | 140 | 5.2% | 5.8% |
| $300 - $599 | 135 | 5.0% | 9.6% |
| $600 - $999 | 326 | 12.1% | 21.9% |
| $1,000 - $1,199 | 237 | 8.8% | 12.2% |
| $1,200 - $1,399 | 316 | 11.7% | 11.7% |
| $1,400 - $1,599 | 309 | 11.4% | 8.7% |
| $1,600-$1,799 | 342 | 12.7% | 7.4% |
| $1,800 - $1,999 | 177 | 6.6% | 3.8% |
| $2,000 - $2,199 | 231 | 8.6% | 5.1% |
| $2,200 - $2,399 | 74 | 2.7% | 1.6% |
| $2,400-$2,599 | 52 | 1.9% | 1.0% |
| $2,600-$2,999 | 104 | 3.9% | 2.1% |
| $3,000-$3,999 | 79 | 2.9% | 2.3% |
| $4,000-$4,999 | 31 | 1.1% | 0.9% |
| $5000 and over | 26 | 1.0% | 0.8% |
| Not stated | 120 | 4.4% | 5.2% |
| Total | 2,699 | 100.0% | 100.0% |