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 Largs, accounting for 13.6% (41 households). This share was higher than Maitland (C) (12.4%).
Section overview
Monthly housing loan repayments
Largs - Households (Enumerated)
This table summarises housing loan repayments for Largs in 2021 for persons, with comparison against Maitland (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Largs, with comparison markers for Maitland (C).
$299 or less
2021 count
14
% of total
4.6%
14
4.6%
$300 - $599
2021 count
4
% of total
1.3%
4
1.3%
$600 - $999
2021 count
8
% of total
2.6%
8
2.6%
$1,000 - $1,199
2021 count
18
% of total
6.0%
18
6.0%
$1,200 - $1,399
2021 count
26
% of total
8.6%
26
8.6%
$1,400 - $1,599
2021 count
23
% of total
7.6%
23
7.6%
$1,600-$1,799
2021 count
24
% of total
7.9%
24
7.9%
$1,800 - $1,999
2021 count
26
% of total
8.6%
26
8.6%
$2,000 - $2,199
2021 count
41
% of total
13.6%
41
13.6%
$2,200 - $2,399
2021 count
21
% of total
7.0%
21
7.0%
$2,400-$2,599
2021 count
9
% of total
3.0%
9
3.0%
$2,600-$2,999
2021 count
28
% of total
9.3%
28
9.3%
$3,000-$3,999
2021 count
26
% of total
8.6%
26
8.6%
$4,000-$4,999
2021 count
12
% of total
4.0%
12
4.0%
$5000 and over
2021 count
6
% of total
2.0%
6
2.0%
Not stated
2021 count
16
% of total
5.3%
16
5.3%
Data table
Housing loan repayments for Largs. Monthly housing loan repayments. 2021 counts and percentages compared with Maitland (C).
| Category | 2021 count | 2021 % | Maitland (C) % |
|---|---|---|---|
| $299 or less | 14 | 4.6% | 3.5% |
| $300 - $599 | 4 | 1.3% | 2.8% |
| $600 - $999 | 8 | 2.6% | 5.8% |
| $1,000 - $1,199 | 18 | 6.0% | 5.4% |
| $1,200 - $1,399 | 26 | 8.6% | 8.1% |
| $1,400 - $1,599 | 23 | 7.6% | 9.0% |
| $1,600-$1,799 | 24 | 7.9% | 11.1% |
| $1,800 - $1,999 | 26 | 8.6% | 9.0% |
| $2,000 - $2,199 | 41 | 13.6% | 12.4% |
| $2,200 - $2,399 | 21 | 7.0% | 5.8% |
| $2,400-$2,599 | 9 | 3.0% | 3.6% |
| $2,600-$2,999 | 28 | 9.3% | 7.6% |
| $3,000-$3,999 | 26 | 8.6% | 7.2% |
| $4,000-$4,999 | 12 | 4.0% | 2.2% |
| $5000 and over | 6 | 2.0% | 1.4% |
| Not stated | 16 | 5.3% | 5.1% |
| Total | 302 | 100.0% | 100.0% |