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 Rydalmere, accounting for 18.1% (158 households). This share was higher than Parramatta (C) (16%).
Section overview
Monthly housing loan repayments
Rydalmere - Households (Enumerated)
This table summarises housing loan repayments for Rydalmere in 2021 for persons, with comparison against Parramatta (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Rydalmere, with comparison markers for Parramatta (C).
$299 or less
2021 count
39
% of total
4.5%
39
4.5%
$300 - $599
2021 count
13
% of total
1.5%
13
1.5%
$600 - $999
2021 count
29
% of total
3.3%
29
3.3%
$1,000 - $1,199
2021 count
22
% of total
2.5%
22
2.5%
$1,200 - $1,399
2021 count
31
% of total
3.5%
31
3.5%
$1,400 - $1,599
2021 count
34
% of total
3.9%
34
3.9%
$1,600-$1,799
2021 count
43
% of total
4.9%
43
4.9%
$1,800 - $1,999
2021 count
49
% of total
5.6%
49
5.6%
$2,000 - $2,199
2021 count
87
% of total
10.0%
87
10.0%
$2,200 - $2,399
2021 count
42
% of total
4.8%
42
4.8%
$2,400-$2,599
2021 count
35
% of total
4.0%
35
4.0%
$2,600-$2,999
2021 count
85
% of total
9.7%
85
9.7%
$3,000-$3,999
2021 count
158
% of total
18.1%
158
18.1%
$4,000-$4,999
2021 count
88
% of total
10.1%
88
10.1%
$5000 and over
2021 count
62
% of total
7.1%
62
7.1%
Not stated
2021 count
57
% of total
6.5%
57
6.5%
Data table
Housing loan repayments for Rydalmere. Monthly housing loan repayments. 2021 counts and percentages compared with Parramatta (C).
| Category | 2021 count | 2021 % | Parramatta (C) % |
|---|---|---|---|
| $299 or less | 39 | 4.5% | 4.8% |
| $300 - $599 | 13 | 1.5% | 2.0% |
| $600 - $999 | 29 | 3.3% | 3.6% |
| $1,000 - $1,199 | 22 | 2.5% | 2.7% |
| $1,200 - $1,399 | 31 | 3.5% | 3.9% |
| $1,400 - $1,599 | 34 | 3.9% | 4.3% |
| $1,600-$1,799 | 43 | 4.9% | 5.4% |
| $1,800 - $1,999 | 49 | 5.6% | 4.8% |
| $2,000 - $2,199 | 87 | 10.0% | 10.4% |
| $2,200 - $2,399 | 42 | 4.8% | 5.4% |
| $2,400-$2,599 | 35 | 4.0% | 6.0% |
| $2,600-$2,999 | 85 | 9.7% | 9.0% |
| $3,000-$3,999 | 158 | 18.1% | 16.0% |
| $4,000-$4,999 | 88 | 10.1% | 8.0% |
| $5000 and over | 62 | 7.1% | 7.1% |
| Not stated | 57 | 6.5% | 6.4% |
| Total | 874 | 100.0% | 100.0% |