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, $600 to $999 was the most common mortgage repayment band among households with a mortgage in Mount Gambier (C), accounting for 25% (911 households). This share was higher than Regional SA (21.9%).
Section overview
Monthly housing loan repayments
Mount Gambier (C) - Households (Enumerated)
This table summarises housing loan repayments for Mount Gambier (C) in 2021 for persons, with comparison against Regional SA.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Mount Gambier (C), with comparison markers for Regional SA.
$299 or less
2021 count
140
% of total
3.8%
140
3.8%
$300 - $599
2021 count
259
% of total
7.1%
259
7.1%
$600 - $999
2021 count
911
% of total
25.0%
911
25.0%
$1,000 - $1,199
2021 count
569
% of total
15.6%
569
15.6%
$1,200 - $1,399
2021 count
528
% of total
14.5%
528
14.5%
$1,400 - $1,599
2021 count
352
% of total
9.7%
352
9.7%
$1,600-$1,799
2021 count
268
% of total
7.4%
268
7.4%
$1,800 - $1,999
2021 count
122
% of total
3.3%
122
3.3%
$2,000 - $2,199
2021 count
153
% of total
4.2%
153
4.2%
$2,200 - $2,399
2021 count
42
% of total
1.2%
42
1.2%
$2,400-$2,599
2021 count
28
% of total
0.8%
28
0.8%
$2,600-$2,999
2021 count
43
% of total
1.2%
43
1.2%
$3,000-$3,999
2021 count
44
% of total
1.2%
44
1.2%
$4,000-$4,999
2021 count
18
% of total
0.5%
18
0.5%
$5000 and over
2021 count
12
% of total
0.3%
12
0.3%
Not stated
2021 count
155
% of total
4.3%
155
4.3%
Data table
Housing loan repayments for Mount Gambier (C). Monthly housing loan repayments. 2021 counts and percentages compared with Regional SA.
| Category | 2021 count | 2021 % | Regional SA % |
|---|---|---|---|
| $299 or less | 140 | 3.8% | 5.8% |
| $300 - $599 | 259 | 7.1% | 9.6% |
| $600 - $999 | 911 | 25.0% | 21.9% |
| $1,000 - $1,199 | 569 | 15.6% | 12.2% |
| $1,200 - $1,399 | 528 | 14.5% | 11.7% |
| $1,400 - $1,599 | 352 | 9.7% | 8.7% |
| $1,600-$1,799 | 268 | 7.4% | 7.4% |
| $1,800 - $1,999 | 122 | 3.3% | 3.8% |
| $2,000 - $2,199 | 153 | 4.2% | 5.1% |
| $2,200 - $2,399 | 42 | 1.2% | 1.6% |
| $2,400-$2,599 | 28 | 0.8% | 1.0% |
| $2,600-$2,999 | 43 | 1.2% | 2.1% |
| $3,000-$3,999 | 44 | 1.2% | 2.3% |
| $4,000-$4,999 | 18 | 0.5% | 0.9% |
| $5000 and over | 12 | 0.3% | 0.8% |
| Not stated | 155 | 4.3% | 5.2% |
| Total | 3,644 | 100.0% | 100.0% |