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, $2,000 - $2,199 was the most common mortgage repayment band among households with a mortgage in Kingswood (Penrith - NSW), accounting for 14.4% (145 households). This share was higher than Penrith (C) (11.6%).
Section overview
Monthly housing loan repayments
Kingswood (Penrith - NSW) - Households (Enumerated)
This table summarises housing loan repayments for Kingswood (Penrith - NSW) in 2021 for persons, with comparison against Penrith (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Kingswood (Penrith - NSW), with comparison markers for Penrith (C).
$299 or less
2021 count
49
% of total
4.9%
49
4.9%
$300 - $599
2021 count
26
% of total
2.6%
26
2.6%
$600 - $999
2021 count
64
% of total
6.4%
64
6.4%
$1,000 - $1,199
2021 count
51
% of total
5.1%
51
5.1%
$1,200 - $1,399
2021 count
81
% of total
8.0%
81
8.0%
$1,400 - $1,599
2021 count
95
% of total
9.4%
95
9.4%
$1,600-$1,799
2021 count
117
% of total
11.6%
117
11.6%
$1,800 - $1,999
2021 count
67
% of total
6.7%
67
6.7%
$2,000 - $2,199
2021 count
145
% of total
14.4%
145
14.4%
$2,200 - $2,399
2021 count
62
% of total
6.2%
62
6.2%
$2,400-$2,599
2021 count
35
% of total
3.5%
35
3.5%
$2,600-$2,999
2021 count
63
% of total
6.3%
63
6.3%
$3,000-$3,999
2021 count
49
% of total
4.9%
49
4.9%
$4,000-$4,999
2021 count
19
% of total
1.9%
19
1.9%
$5000 and over
2021 count
19
% of total
1.9%
19
1.9%
Not stated
2021 count
65
% of total
6.5%
65
6.5%
Data table
Housing loan repayments for Kingswood (Penrith - NSW). Monthly housing loan repayments. 2021 counts and percentages compared with Penrith (C).
| Category | 2021 count | 2021 % | Penrith (C) % |
|---|---|---|---|
| $299 or less | 49 | 4.9% | 3.5% |
| $300 - $599 | 26 | 2.6% | 2.1% |
| $600 - $999 | 64 | 6.4% | 4.6% |
| $1,000 - $1,199 | 51 | 5.1% | 3.8% |
| $1,200 - $1,399 | 81 | 8.0% | 5.0% |
| $1,400 - $1,599 | 95 | 9.4% | 5.8% |
| $1,600-$1,799 | 117 | 11.6% | 7.6% |
| $1,800 - $1,999 | 67 | 6.7% | 6.2% |
| $2,000 - $2,199 | 145 | 14.4% | 11.6% |
| $2,200 - $2,399 | 62 | 6.2% | 6.6% |
| $2,400-$2,599 | 35 | 3.5% | 5.5% |
| $2,600-$2,999 | 63 | 6.3% | 12.2% |
| $3,000-$3,999 | 49 | 4.9% | 13.1% |
| $4,000-$4,999 | 19 | 1.9% | 3.5% |
| $5000 and over | 19 | 1.9% | 2.9% |
| Not stated | 65 | 6.5% | 6.1% |
| Total | 1,007 | 100.0% | 100.0% |