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 Valla (part), accounting for 10.2% (16 households). This share was lower than Nambucca (A) (15.7%).
Section overview
Monthly housing loan repayments
Valla (part) - Households (Enumerated)
This table summarises housing loan repayments for Valla (part) in 2021 for persons, with comparison against Nambucca (A).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Valla (part), with comparison markers for Nambucca (A).
$299 or less
$300 - $599
$600 - $999
$1,000 - $1,199
$1,200 - $1,399
$1,400 - $1,599
$1,600-$1,799
$1,800 - $1,999
$2,000 - $2,199
$2,200 - $2,399
$2,400-$2,599
$2,600-$2,999
$3,000-$3,999
$4,000-$4,999
$5000 and over
Not stated
Data table
Housing loan repayments for Valla (part). Monthly housing loan repayments. 2021 counts and percentages compared with Nambucca (A).
| Category | 2021 count | 2021 % | Nambucca (A) % |
|---|---|---|---|
| $299 or less | 5 | 3.2% | 5.3% |
| $300 - $599 | 4 | 2.5% | 7.4% |
| $600 - $999 | 16 | 10.2% | 15.7% |
| $1,000 - $1,199 | 8 | 5.1% | 8.6% |
| $1,200 - $1,399 | 11 | 7.0% | 11.5% |
| $1,400 - $1,599 | 15 | 9.6% | 8.9% |
| $1,600-$1,799 | 16 | 10.2% | 9.2% |
| $1,800 - $1,999 | 9 | 5.7% | 5.8% |
| $2,000 - $2,199 | 15 | 9.6% | 8.3% |
| $2,200 - $2,399 | 8 | 5.1% | 2.7% |
| $2,400-$2,599 | 6 | 3.8% | 1.3% |
| $2,600-$2,999 | 11 | 7.0% | 3.7% |
| $3,000-$3,999 | 12 | 7.6% | 3.6% |
| $4,000-$4,999 | 9 | 5.7% | 1.4% |
| $5000 and over | - | - | 0.9% |
| Not stated | 12 | 7.6% | 5.8% |
| Total | 157 | 100.0% | 100.0% |