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 Baldivis, accounting for 15% (1,106 households). This share was higher than Rockingham (C) (12.7%).
Section overview
Monthly housing loan repayments
Baldivis - Households (Enumerated)
This table summarises housing loan repayments for Baldivis in 2021 for persons, with comparison against Rockingham (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Baldivis, with comparison markers for Rockingham (C).
$299 or less
2021 count
132
% of total
1.8%
132
1.8%
$300 - $599
2021 count
97
% of total
1.3%
97
1.3%
$600 - $999
2021 count
254
% of total
3.4%
254
3.4%
$1,000 - $1,199
2021 count
308
% of total
4.2%
308
4.2%
$1,200 - $1,399
2021 count
543
% of total
7.4%
543
7.4%
$1,400 - $1,599
2021 count
739
% of total
10.0%
739
10.0%
$1,600-$1,799
2021 count
1,020
% of total
13.9%
1,020
13.9%
$1,800 - $1,999
2021 count
855
% of total
11.6%
855
11.6%
$2,000 - $2,199
2021 count
1,106
% of total
15.0%
1,106
15.0%
$2,200 - $2,399
2021 count
494
% of total
6.7%
494
6.7%
$2,400-$2,599
2021 count
284
% of total
3.9%
284
3.9%
$2,600-$2,999
2021 count
516
% of total
7.0%
516
7.0%
$3,000-$3,999
2021 count
387
% of total
5.3%
387
5.3%
$4,000-$4,999
2021 count
145
% of total
2.0%
145
2.0%
$5000 and over
2021 count
108
% of total
1.5%
108
1.5%
Not stated
2021 count
375
% of total
5.1%
375
5.1%
Data table
Housing loan repayments for Baldivis. Monthly housing loan repayments. 2021 counts and percentages compared with Rockingham (C).
| Category | 2021 count | 2021 % | Rockingham (C) % |
|---|---|---|---|
| $299 or less | 132 | 1.8% | 3.2% |
| $300 - $599 | 97 | 1.3% | 2.6% |
| $600 - $999 | 254 | 3.4% | 6.0% |
| $1,000 - $1,199 | 308 | 4.2% | 6.2% |
| $1,200 - $1,399 | 543 | 7.4% | 9.3% |
| $1,400 - $1,599 | 739 | 10.0% | 10.4% |
| $1,600-$1,799 | 1,020 | 13.9% | 12.4% |
| $1,800 - $1,999 | 855 | 11.6% | 9.0% |
| $2,000 - $2,199 | 1,106 | 15.0% | 12.7% |
| $2,200 - $2,399 | 494 | 6.7% | 4.9% |
| $2,400-$2,599 | 284 | 3.9% | 3.1% |
| $2,600-$2,999 | 516 | 7.0% | 5.8% |
| $3,000-$3,999 | 387 | 5.3% | 5.4% |
| $4,000-$4,999 | 145 | 2.0% | 2.0% |
| $5000 and over | 108 | 1.5% | 1.3% |
| Not stated | 375 | 5.1% | 5.6% |
| Total | 7,363 | 100.0% | 100.0% |