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, 40.6% of households in St Marys (NSW) were purchasing or had fully paid off their home, while 48% were renting. The mortgage share was lower than Penrith (C) (37.6%).
Section overview
Housing tenure
St Marys (NSW) - Households (Enumerated)
This table summarises housing tenure for St Marys (NSW) in 2021 for persons, with comparison against Penrith (C) and change since 2016.
Housing tenure snapshot
2021 distribution by category for St Marys (NSW), with comparison markers for Penrith (C).
Fully owned
2021 count
860
% of total
16.4%
Change from 2016
-2.1pp
860
16.4%
-2.1pp
Mortgage
2021 count
1,271
% of total
24.2%
Change from 2016
+1.5pp
1,271
24.2%
+1.5pp
Renting - Total
2021 count
2,525
% of total
48.0%
Change from 2016
+0.9pp
2,525
48.0%
+0.9pp
Renting - Social housing
2021 count
373
% of total
7.1%
Change from 2016
0.0pp
373
7.1%
0.0pp
Renting - Private
2021 count
2,137
% of total
40.6%
Change from 2016
+1.3pp
2,137
40.6%
+1.3pp
Renting - Not stated
2021 count
24
% of total
0.5%
Change from 2016
-0.1pp
24
0.5%
-0.1pp
Other tenure type
2021 count
50
% of total
1.0%
Change from 2016
+0.3pp
50
1.0%
+0.3pp
Not stated
2021 count
541
% of total
10.3%
Change from 2016
-0.8pp
541
10.3%
-0.8pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
-3
-2.1pp
Mortgage
+215
+1.5pp
Renting - Total
+331
+0.9pp
Renting - Social housing
+43
0.0pp
Renting - Private
+307
+1.3pp
Renting - Not stated
-5
-0.1pp
Other tenure type
+18
+0.3pp
Not stated
+26
-0.8pp
Data table
Housing tenure for St Marys (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 | 860 | 16.4% | 23.6% | 863 | 18.5% | 24.8% | -3 | -2.1pp |
| Mortgage | 1,271 | 24.2% | 37.6% | 1,056 | 22.7% | 38.8% | +215 | +1.5pp |
| Renting - Total | 2,525 | 48.0% | 32.0% | 2,194 | 47.1% | 28.8% | +331 | +0.9pp |
| Renting - Social housing | 373 | 7.1% | 4.1% | 330 | 7.1% | 4.4% | +43 | 0.0pp |
| Renting - Private | 2,137 | 40.6% | 27.7% | 1,830 | 39.3% | 24.0% | +307 | +1.3pp |
| Renting - Not stated | 24 | 0.5% | 0.2% | 29 | 0.6% | 0.4% | -5 | -0.1pp |
| Other tenure type | 50 | 1.0% | 1.2% | 32 | 0.7% | 0.5% | +18 | +0.3pp |
| Not stated | 541 | 10.3% | 5.7% | 515 | 11.1% | 7.1% | +26 | -0.8pp |
| Total households | 5,259 | 100.0% | 100.0% | 4,658 | 100.0% | 100.0% | +601 | 0.0pp |