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 Darley, accounting for 12.3% (204 households). This share was higher than Moorabool (S) (11.2%).
Section overview
Monthly housing loan repayments
Darley - Households (Enumerated)
This table summarises housing loan repayments for Darley in 2021 for persons, with comparison against Moorabool (S).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Darley, with comparison markers for Moorabool (S).
$299 or less
2021 count
63
% of total
3.8%
63
3.8%
$300 - $599
2021 count
40
% of total
2.4%
40
2.4%
$600 - $999
2021 count
107
% of total
6.5%
107
6.5%
$1,000 - $1,199
2021 count
103
% of total
6.2%
103
6.2%
$1,200 - $1,399
2021 count
175
% of total
10.6%
175
10.6%
$1,400 - $1,599
2021 count
165
% of total
10.0%
165
10.0%
$1,600-$1,799
2021 count
174
% of total
10.5%
174
10.5%
$1,800 - $1,999
2021 count
132
% of total
8.0%
132
8.0%
$2,000 - $2,199
2021 count
204
% of total
12.3%
204
12.3%
$2,200 - $2,399
2021 count
80
% of total
4.8%
80
4.8%
$2,400-$2,599
2021 count
45
% of total
2.7%
45
2.7%
$2,600-$2,999
2021 count
114
% of total
6.9%
114
6.9%
$3,000-$3,999
2021 count
109
% of total
6.6%
109
6.6%
$4,000-$4,999
2021 count
23
% of total
1.4%
23
1.4%
$5000 and over
2021 count
15
% of total
0.9%
15
0.9%
Not stated
2021 count
109
% of total
6.6%
109
6.6%
Data table
Housing loan repayments for Darley. Monthly housing loan repayments. 2021 counts and percentages compared with Moorabool (S).
| Category | 2021 count | 2021 % | Moorabool (S) % |
|---|---|---|---|
| $299 or less | 63 | 3.8% | 3.7% |
| $300 - $599 | 40 | 2.4% | 3.6% |
| $600 - $999 | 107 | 6.5% | 7.4% |
| $1,000 - $1,199 | 103 | 6.2% | 5.8% |
| $1,200 - $1,399 | 175 | 10.6% | 9.1% |
| $1,400 - $1,599 | 165 | 10.0% | 9.6% |
| $1,600-$1,799 | 174 | 10.5% | 11.7% |
| $1,800 - $1,999 | 132 | 8.0% | 9.0% |
| $2,000 - $2,199 | 204 | 12.3% | 11.2% |
| $2,200 - $2,399 | 80 | 4.8% | 4.9% |
| $2,400-$2,599 | 45 | 2.7% | 3.0% |
| $2,600-$2,999 | 114 | 6.9% | 5.3% |
| $3,000-$3,999 | 109 | 6.6% | 6.3% |
| $4,000-$4,999 | 23 | 1.4% | 1.7% |
| $5000 and over | 15 | 0.9% | 1.2% |
| Not stated | 109 | 6.6% | 6.4% |
| Total | 1,658 | 100.0% | 100.0% |