Housing
Housing tenure
About this topic
Housing tenure shows whether households own their dwelling outright, are purchasing it, rent privately, rent from a social landlord, or occupy it under another arrangement. It describes how households hold or access housing, not the type of dwelling itself.
This topic is useful for analysing housing markets, affordability, stability, and the mix of owners and renters. It works best alongside dwelling type, household composition, and housing cost topics such as mortgage repayments and rent.
Interpretation notes
- Tenure type describes how the dwelling is occupied, including ownership, mortgage, rental, or other arrangements.
- It applies to occupied private dwellings and should not be confused with dwelling structure or housing cost measures.
Key insight
In 2021, 79.4% of households in Cambridge Gardens were purchasing or had fully paid off their home, while 19.3% were renting. The mortgage share was higher than Penrith (C) (39.4%).
Section overview
Housing tenure
Cambridge Gardens - Households (Enumerated)
This table summarises housing tenure for Cambridge Gardens in 2021 for persons, with comparison against Penrith (C) and change since 2016.
Housing tenure snapshot
2021 distribution by category for Cambridge Gardens, with comparison markers for Penrith (C).
Fully owned
2021 count
226
% of total
32.3%
Change from 2016
-6.2pp
226
32.3%
-6.2pp
Mortgage
2021 count
329
% of total
47.1%
Change from 2016
+24.0pp
329
47.1%
+24.0pp
Renting - Total
2021 count
135
% of total
19.3%
Change from 2016
-3.8pp
135
19.3%
-3.8pp
Renting - Social housing
2021 count
13
% of total
1.9%
Change from 2016
+1.9pp
13
1.9%
+1.9pp
Renting - Private
2021 count
128
% of total
18.3%
Change from 2016
+18.3pp
128
18.3%
+18.3pp
Renting - Not stated
2021 count
0
% of total
0.0%
Change from 2016
0.0pp
0
0.0%
0.0pp
Other tenure type
2021 count
5
% of total
0.7%
Change from 2016
+0.7pp
5
0.7%
+0.7pp
Not stated
2021 count
6
% of total
0.9%
Change from 2016
+0.9pp
6
0.9%
+0.9pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
+221
-6.2pp
Mortgage
+326
+24.0pp
Renting - Total
+132
-3.8pp
Renting - Social housing
+13
+1.9pp
Renting - Private
+128
+18.3pp
Renting - Not stated
0
0.0pp
Other tenure type
+5
+0.7pp
Not stated
+6
+0.9pp
Data table
Housing tenure for Cambridge Gardens. Housing tenure. 2021 and 2016 counts, percentages, and change compared with Penrith (C).
| Category | 2021 | 2016 | Change | |||||
|---|---|---|---|---|---|---|---|---|
| Count | % | Penrith (C)% | Count | % | Penrith (C)% | Count | pp | |
| Fully owned | 226 | 32.3% | 24.7% | 5 | 38.5% | 26.0% | +221 | -6.2pp |
| Mortgage | 329 | 47.1% | 39.4% | 3 | 23.1% | 40.7% | +326 | +24.0pp |
| Renting - Total | 135 | 19.3% | 33.4% | 3 | 23.1% | 30.2% | +132 | -3.8pp |
| Renting - Social housing | 13 | 1.9% | 4.3% | 0 | 0.0% | 4.6% | +13 | +1.9pp |
| Renting - Private | 128 | 18.3% | 28.9% | 0 | 0.0% | 25.2% | +128 | +18.3pp |
| Renting - Not stated | 0 | 0.0% | 0.2% | 0 | 0.0% | 0.4% | 0 | 0.0pp |
| Other tenure type | 5 | 0.7% | 1.2% | 0 | 0.0% | 0.5% | +5 | +0.7pp |
| Not stated | 6 | 0.9% | 1.3% | 0 | 0.0% | 2.6% | +6 | +0.9pp |
| Total households | 699 | 100.0% | 100.0% | 13 | 100.0% | 100.0% | +686 | 0.0pp |