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 Epping (NSW), accounting for 16% (476 households). This share was similar to Parramatta (C) (16%).
Section overview
Monthly housing loan repayments
Epping (NSW) - Households (Enumerated)
This table summarises housing loan repayments for Epping (NSW) in 2021 for persons, with comparison against Parramatta (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Epping (NSW), with comparison markers for Parramatta (C).
$299 or less
2021 count
206
% of total
6.9%
206
6.9%
$300 - $599
2021 count
56
% of total
1.9%
56
1.9%
$600 - $999
2021 count
91
% of total
3.1%
91
3.1%
$1,000 - $1,199
2021 count
74
% of total
2.5%
74
2.5%
$1,200 - $1,399
2021 count
75
% of total
2.5%
75
2.5%
$1,400 - $1,599
2021 count
94
% of total
3.2%
94
3.2%
$1,600-$1,799
2021 count
91
% of total
3.1%
91
3.1%
$1,800 - $1,999
2021 count
73
% of total
2.5%
73
2.5%
$2,000 - $2,199
2021 count
288
% of total
9.7%
288
9.7%
$2,200 - $2,399
2021 count
117
% of total
3.9%
117
3.9%
$2,400-$2,599
2021 count
174
% of total
5.9%
174
5.9%
$2,600-$2,999
2021 count
254
% of total
8.6%
254
8.6%
$3,000-$3,999
2021 count
476
% of total
16.0%
476
16.0%
$4,000-$4,999
2021 count
295
% of total
9.9%
295
9.9%
$5000 and over
2021 count
393
% of total
13.2%
393
13.2%
Not stated
2021 count
213
% of total
7.2%
213
7.2%
Data table
Housing loan repayments for Epping (NSW). Monthly housing loan repayments. 2021 counts and percentages compared with Parramatta (C).
| Category | 2021 count | 2021 % | Parramatta (C) % |
|---|---|---|---|
| $299 or less | 206 | 6.9% | 4.8% |
| $300 - $599 | 56 | 1.9% | 2.0% |
| $600 - $999 | 91 | 3.1% | 3.6% |
| $1,000 - $1,199 | 74 | 2.5% | 2.7% |
| $1,200 - $1,399 | 75 | 2.5% | 3.9% |
| $1,400 - $1,599 | 94 | 3.2% | 4.3% |
| $1,600-$1,799 | 91 | 3.1% | 5.4% |
| $1,800 - $1,999 | 73 | 2.5% | 4.8% |
| $2,000 - $2,199 | 288 | 9.7% | 10.4% |
| $2,200 - $2,399 | 117 | 3.9% | 5.4% |
| $2,400-$2,599 | 174 | 5.9% | 6.0% |
| $2,600-$2,999 | 254 | 8.6% | 9.0% |
| $3,000-$3,999 | 476 | 16.0% | 16.0% |
| $4,000-$4,999 | 295 | 9.9% | 8.0% |
| $5000 and over | 393 | 13.2% | 7.1% |
| Not stated | 213 | 7.2% | 6.4% |
| Total | 2,970 | 100.0% | 100.0% |