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 Caddens, accounting for 27.4% (175 households). This share was higher than Penrith (C) (13.1%).
Section overview
Monthly housing loan repayments
Caddens - Households (Enumerated)
This table summarises housing loan repayments for Caddens in 2021 for persons, with comparison against Penrith (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Caddens, with comparison markers for Penrith (C).
$299 or less
2021 count
9
% of total
1.4%
9
1.4%
$300 - $599
2021 count
4
% of total
0.6%
4
0.6%
$600 - $999
2021 count
3
% of total
0.5%
3
0.5%
$1,000 - $1,199
2021 count
10
% of total
1.6%
10
1.6%
$1,200 - $1,399
2021 count
16
% of total
2.5%
16
2.5%
$1,400 - $1,599
2021 count
14
% of total
2.2%
14
2.2%
$1,600-$1,799
2021 count
26
% of total
4.1%
26
4.1%
$1,800 - $1,999
2021 count
10
% of total
1.6%
10
1.6%
$2,000 - $2,199
2021 count
39
% of total
6.1%
39
6.1%
$2,200 - $2,399
2021 count
27
% of total
4.2%
27
4.2%
$2,400-$2,599
2021 count
56
% of total
8.8%
56
8.8%
$2,600-$2,999
2021 count
120
% of total
18.8%
120
18.8%
$3,000-$3,999
2021 count
175
% of total
27.4%
175
27.4%
$4,000-$4,999
2021 count
59
% of total
9.2%
59
9.2%
$5000 and over
2021 count
26
% of total
4.1%
26
4.1%
Not stated
2021 count
45
% of total
7.0%
45
7.0%
Data table
Housing loan repayments for Caddens. Monthly housing loan repayments. 2021 counts and percentages compared with Penrith (C).
| Category | 2021 count | 2021 % | Penrith (C) % |
|---|---|---|---|
| $299 or less | 9 | 1.4% | 3.5% |
| $300 - $599 | 4 | 0.6% | 2.1% |
| $600 - $999 | 3 | 0.5% | 4.6% |
| $1,000 - $1,199 | 10 | 1.6% | 3.8% |
| $1,200 - $1,399 | 16 | 2.5% | 5.0% |
| $1,400 - $1,599 | 14 | 2.2% | 5.8% |
| $1,600-$1,799 | 26 | 4.1% | 7.6% |
| $1,800 - $1,999 | 10 | 1.6% | 6.2% |
| $2,000 - $2,199 | 39 | 6.1% | 11.6% |
| $2,200 - $2,399 | 27 | 4.2% | 6.6% |
| $2,400-$2,599 | 56 | 8.8% | 5.5% |
| $2,600-$2,999 | 120 | 18.8% | 12.2% |
| $3,000-$3,999 | 175 | 27.4% | 13.1% |
| $4,000-$4,999 | 59 | 9.2% | 3.5% |
| $5000 and over | 26 | 4.1% | 2.9% |
| Not stated | 45 | 7.0% | 6.1% |
| Total | 639 | 100.0% | 100.0% |