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 Mid-Western Regional (A), accounting for 10.8% (340 households). This share was higher than Regional NSW (9.1%).
Section overview
Monthly housing loan repayments
Mid-Western Regional (A) - Households (Enumerated)
This table summarises housing loan repayments for Mid-Western Regional (A) in 2021 for persons, with comparison against Regional NSW.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Mid-Western Regional (A), with comparison markers for Regional NSW.
$299 or less
2021 count
130
% of total
4.1%
130
4.1%
$300 - $599
2021 count
169
% of total
5.4%
169
5.4%
$600 - $999
2021 count
295
% of total
9.3%
295
9.3%
$1,000 - $1,199
2021 count
205
% of total
6.5%
205
6.5%
$1,200 - $1,399
2021 count
290
% of total
9.2%
290
9.2%
$1,400 - $1,599
2021 count
243
% of total
7.7%
243
7.7%
$1,600-$1,799
2021 count
340
% of total
10.8%
340
10.8%
$1,800 - $1,999
2021 count
225
% of total
7.1%
225
7.1%
$2,000 - $2,199
2021 count
338
% of total
10.7%
338
10.7%
$2,200 - $2,399
2021 count
123
% of total
3.9%
123
3.9%
$2,400-$2,599
2021 count
70
% of total
2.2%
70
2.2%
$2,600-$2,999
2021 count
198
% of total
6.3%
198
6.3%
$3,000-$3,999
2021 count
213
% of total
6.7%
213
6.7%
$4,000-$4,999
2021 count
87
% of total
2.8%
87
2.8%
$5000 and over
2021 count
63
% of total
2.0%
63
2.0%
Not stated
2021 count
169
% of total
5.4%
169
5.4%
Data table
Housing loan repayments for Mid-Western Regional (A). Monthly housing loan repayments. 2021 counts and percentages compared with Regional NSW.
| Category | 2021 count | 2021 % | Regional NSW % |
|---|---|---|---|
| $299 or less | 130 | 4.1% | 4.9% |
| $300 - $599 | 169 | 5.4% | 4.3% |
| $600 - $999 | 295 | 9.3% | 9.7% |
| $1,000 - $1,199 | 205 | 6.5% | 7.0% |
| $1,200 - $1,399 | 290 | 9.2% | 8.8% |
| $1,400 - $1,599 | 243 | 7.7% | 7.9% |
| $1,600-$1,799 | 340 | 10.8% | 9.1% |
| $1,800 - $1,999 | 225 | 7.1% | 6.4% |
| $2,000 - $2,199 | 338 | 10.7% | 10.0% |
| $2,200 - $2,399 | 123 | 3.9% | 4.2% |
| $2,400-$2,599 | 70 | 2.2% | 2.8% |
| $2,600-$2,999 | 198 | 6.3% | 7.0% |
| $3,000-$3,999 | 213 | 6.7% | 7.5% |
| $4,000-$4,999 | 87 | 2.8% | 2.7% |
| $5000 and over | 63 | 2.0% | 2.1% |
| Not stated | 169 | 5.4% | 5.7% |
| Total | 3,158 | 100.0% | 100.0% |