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, $3,000-$3,999 was the most common mortgage repayment band among households with a mortgage in Ascot Vale, accounting for 19.6% (382 households). This share was higher than Moonee Valley (C) (15.5%).
Section overview
Monthly housing loan repayments
Ascot Vale - Households (Enumerated)
This table summarises housing loan repayments for Ascot Vale in 2021 for persons, with comparison against Moonee Valley (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Ascot Vale, with comparison markers for Moonee Valley (C).
$299 or less
2021 count
89
% of total
4.6%
89
4.6%
$300 - $599
2021 count
44
% of total
2.3%
44
2.3%
$600 - $999
2021 count
83
% of total
4.3%
83
4.3%
$1,000 - $1,199
2021 count
67
% of total
3.4%
67
3.4%
$1,200 - $1,399
2021 count
85
% of total
4.4%
85
4.4%
$1,400 - $1,599
2021 count
98
% of total
5.0%
98
5.0%
$1,600-$1,799
2021 count
101
% of total
5.2%
101
5.2%
$1,800 - $1,999
2021 count
88
% of total
4.5%
88
4.5%
$2,000 - $2,199
2021 count
150
% of total
7.7%
150
7.7%
$2,200 - $2,399
2021 count
78
% of total
4.0%
78
4.0%
$2,400-$2,599
2021 count
88
% of total
4.5%
88
4.5%
$2,600-$2,999
2021 count
120
% of total
6.2%
120
6.2%
$3,000-$3,999
2021 count
382
% of total
19.6%
382
19.6%
$4,000-$4,999
2021 count
177
% of total
9.1%
177
9.1%
$5000 and over
2021 count
176
% of total
9.0%
176
9.0%
Not stated
2021 count
119
% of total
6.1%
119
6.1%
Data table
Housing loan repayments for Ascot Vale. Monthly housing loan repayments. 2021 counts and percentages compared with Moonee Valley (C).
| Category | 2021 count | 2021 % | Moonee Valley (C) % |
|---|---|---|---|
| $299 or less | 89 | 4.6% | 5.4% |
| $300 - $599 | 44 | 2.3% | 2.8% |
| $600 - $999 | 83 | 4.3% | 4.8% |
| $1,000 - $1,199 | 67 | 3.4% | 4.3% |
| $1,200 - $1,399 | 85 | 4.4% | 5.0% |
| $1,400 - $1,599 | 98 | 5.0% | 5.3% |
| $1,600-$1,799 | 101 | 5.2% | 5.7% |
| $1,800 - $1,999 | 88 | 4.5% | 4.2% |
| $2,000 - $2,199 | 150 | 7.7% | 9.1% |
| $2,200 - $2,399 | 78 | 4.0% | 4.0% |
| $2,400-$2,599 | 88 | 4.5% | 4.2% |
| $2,600-$2,999 | 120 | 6.2% | 7.3% |
| $3,000-$3,999 | 382 | 19.6% | 15.5% |
| $4,000-$4,999 | 177 | 9.1% | 7.4% |
| $5000 and over | 176 | 9.0% | 7.9% |
| Not stated | 119 | 6.1% | 7.0% |
| Total | 1,945 | 100.0% | 100.0% |