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 Goonellabah, accounting for 14.4% (244 households). This share was higher than Lismore (C) (10.7%).
Section overview
Monthly housing loan repayments
Goonellabah - Households (Enumerated)
This table summarises housing loan repayments for Goonellabah in 2021 for persons, with comparison against Lismore (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Goonellabah, with comparison markers for Lismore (C).
$299 or less
2021 count
68
% of total
4.0%
68
4.0%
$300 - $599
2021 count
81
% of total
4.8%
81
4.8%
$600 - $999
2021 count
176
% of total
10.4%
176
10.4%
$1,000 - $1,199
2021 count
124
% of total
7.3%
124
7.3%
$1,200 - $1,399
2021 count
202
% of total
11.9%
202
11.9%
$1,400 - $1,599
2021 count
178
% of total
10.5%
178
10.5%
$1,600-$1,799
2021 count
244
% of total
14.4%
244
14.4%
$1,800 - $1,999
2021 count
134
% of total
7.9%
134
7.9%
$2,000 - $2,199
2021 count
177
% of total
10.4%
177
10.4%
$2,200 - $2,399
2021 count
56
% of total
3.3%
56
3.3%
$2,400-$2,599
2021 count
33
% of total
1.9%
33
1.9%
$2,600-$2,999
2021 count
70
% of total
4.1%
70
4.1%
$3,000-$3,999
2021 count
61
% of total
3.6%
61
3.6%
$4,000-$4,999
2021 count
7
% of total
0.4%
7
0.4%
$5000 and over
2021 count
7
% of total
0.4%
7
0.4%
Not stated
2021 count
76
% of total
4.5%
76
4.5%
Data table
Housing loan repayments for Goonellabah. Monthly housing loan repayments. 2021 counts and percentages compared with Lismore (C).
| Category | 2021 count | 2021 % | Lismore (C) % |
|---|---|---|---|
| $299 or less | 68 | 4.0% | 5.3% |
| $300 - $599 | 81 | 4.8% | 5.0% |
| $600 - $999 | 176 | 10.4% | 11.3% |
| $1,000 - $1,199 | 124 | 7.3% | 8.0% |
| $1,200 - $1,399 | 202 | 11.9% | 11.1% |
| $1,400 - $1,599 | 178 | 10.5% | 9.5% |
| $1,600-$1,799 | 244 | 14.4% | 10.7% |
| $1,800 - $1,999 | 134 | 7.9% | 6.8% |
| $2,000 - $2,199 | 177 | 10.4% | 9.1% |
| $2,200 - $2,399 | 56 | 3.3% | 3.6% |
| $2,400-$2,599 | 33 | 1.9% | 2.0% |
| $2,600-$2,999 | 70 | 4.1% | 4.5% |
| $3,000-$3,999 | 61 | 3.6% | 5.1% |
| $4,000-$4,999 | 7 | 0.4% | 1.6% |
| $5000 and over | 7 | 0.4% | 1.0% |
| Not stated | 76 | 4.5% | 5.3% |
| Total | 1,694 | 100.0% | 100.0% |