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, $1,600-$1,799 was the most common mortgage repayment band among households with a mortgage in Penrith, accounting for 13.7% (222 households). This share was higher than Penrith (C) (7.6%).
Section overview
Monthly housing loan repayments
Penrith - Households (Enumerated)
This table summarises housing loan repayments for Penrith in 2021 for persons, with comparison against Penrith (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Penrith, with comparison markers for Penrith (C).
$299 or less
2021 count
61
% of total
3.8%
61
3.8%
$300 - $599
2021 count
28
% of total
1.7%
28
1.7%
$600 - $999
2021 count
91
% of total
5.6%
91
5.6%
$1,000 - $1,199
2021 count
96
% of total
5.9%
96
5.9%
$1,200 - $1,399
2021 count
111
% of total
6.8%
111
6.8%
$1,400 - $1,599
2021 count
158
% of total
9.7%
158
9.7%
$1,600-$1,799
2021 count
222
% of total
13.7%
222
13.7%
$1,800 - $1,999
2021 count
120
% of total
7.4%
120
7.4%
$2,000 - $2,199
2021 count
193
% of total
11.9%
193
11.9%
$2,200 - $2,399
2021 count
105
% of total
6.5%
105
6.5%
$2,400-$2,599
2021 count
86
% of total
5.3%
86
5.3%
$2,600-$2,999
2021 count
123
% of total
7.6%
123
7.6%
$3,000-$3,999
2021 count
86
% of total
5.3%
86
5.3%
$4,000-$4,999
2021 count
25
% of total
1.5%
25
1.5%
$5000 and over
2021 count
19
% of total
1.2%
19
1.2%
Not stated
2021 count
101
% of total
6.2%
101
6.2%
Data table
Housing loan repayments for Penrith. Monthly housing loan repayments. 2021 counts and percentages compared with Penrith (C).
| Category | 2021 count | 2021 % | Penrith (C) % |
|---|---|---|---|
| $299 or less | 61 | 3.8% | 3.5% |
| $300 - $599 | 28 | 1.7% | 2.1% |
| $600 - $999 | 91 | 5.6% | 4.6% |
| $1,000 - $1,199 | 96 | 5.9% | 3.8% |
| $1,200 - $1,399 | 111 | 6.8% | 5.0% |
| $1,400 - $1,599 | 158 | 9.7% | 5.8% |
| $1,600-$1,799 | 222 | 13.7% | 7.6% |
| $1,800 - $1,999 | 120 | 7.4% | 6.2% |
| $2,000 - $2,199 | 193 | 11.9% | 11.6% |
| $2,200 - $2,399 | 105 | 6.5% | 6.6% |
| $2,400-$2,599 | 86 | 5.3% | 5.5% |
| $2,600-$2,999 | 123 | 7.6% | 12.2% |
| $3,000-$3,999 | 86 | 5.3% | 13.1% |
| $4,000-$4,999 | 25 | 1.5% | 3.5% |
| $5000 and over | 19 | 1.2% | 2.9% |
| Not stated | 101 | 6.2% | 6.1% |
| Total | 1,625 | 100.0% | 100.0% |