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, 74% of households in St Clair (Penrith - NSW) were purchasing or had fully paid off their home, while 20.6% were renting. The mortgage share was higher than Penrith (C) (37.6%).
Section overview
Housing tenure
St Clair (Penrith - NSW) - Households (Enumerated)
This table summarises housing tenure for St Clair (Penrith - NSW) in 2021 for persons, with comparison against Penrith (C) and change since 2016.
Housing tenure snapshot
2021 distribution by category for St Clair (Penrith - NSW), with comparison markers for Penrith (C).
Fully owned
2021 count
1,934
% of total
29.5%
Change from 2016
+1.5pp
1,934
29.5%
+1.5pp
Mortgage
2021 count
2,920
% of total
44.5%
Change from 2016
-3.7pp
2,920
44.5%
-3.7pp
Renting - Total
2021 count
1,353
% of total
20.6%
Change from 2016
+3.0pp
1,353
20.6%
+3.0pp
Renting - Social housing
2021 count
50
% of total
0.8%
Change from 2016
+0.1pp
50
0.8%
+0.1pp
Renting - Private
2021 count
1,292
% of total
19.7%
Change from 2016
+3.1pp
1,292
19.7%
+3.1pp
Renting - Not stated
2021 count
10
% of total
0.2%
Change from 2016
0.0pp
10
0.2%
0.0pp
Other tenure type
2021 count
53
% of total
0.8%
Change from 2016
+0.5pp
53
0.8%
+0.5pp
Not stated
2021 count
306
% of total
4.7%
Change from 2016
-1.2pp
306
4.7%
-1.2pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
+170
+1.5pp
Mortgage
-117
-3.7pp
Renting - Total
+246
+3.0pp
Renting - Social housing
+4
+0.1pp
Renting - Private
+250
+3.1pp
Renting - Not stated
-5
0.0pp
Other tenure type
+37
+0.5pp
Not stated
-68
-1.2pp
Data table
Housing tenure for St Clair (Penrith - NSW). 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 | 1,934 | 29.5% | 23.6% | 1,764 | 28.0% | 24.8% | +170 | +1.5pp |
| Mortgage | 2,920 | 44.5% | 37.6% | 3,037 | 48.2% | 38.8% | -117 | -3.7pp |
| Renting - Total | 1,353 | 20.6% | 32.0% | 1,107 | 17.6% | 28.8% | +246 | +3.0pp |
| Renting - Social housing | 50 | 0.8% | 4.1% | 46 | 0.7% | 4.4% | +4 | +0.1pp |
| Renting - Private | 1,292 | 19.7% | 27.7% | 1,042 | 16.6% | 24.0% | +250 | +3.1pp |
| Renting - Not stated | 10 | 0.2% | 0.2% | 15 | 0.2% | 0.4% | -5 | 0.0pp |
| Other tenure type | 53 | 0.8% | 1.2% | 16 | 0.3% | 0.5% | +37 | +0.5pp |
| Not stated | 306 | 4.7% | 5.7% | 374 | 5.9% | 7.1% | -68 | -1.2pp |
| Total households | 6,567 | 100.0% | 100.0% | 6,295 | 100.0% | 100.0% | +272 | 0.0pp |