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, $1,200 - $1,399 was the most common mortgage repayment band among households with a mortgage in Cooloongup, accounting for 15.5% (157 households). This share was higher than Rockingham (C) (9.3%).
Section overview
Monthly housing loan repayments
Cooloongup - Households (Enumerated)
This table summarises housing loan repayments for Cooloongup in 2021 for persons, with comparison against Rockingham (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Cooloongup, with comparison markers for Rockingham (C).
$299 or less
2021 count
63
% of total
6.2%
63
6.2%
$300 - $599
2021 count
66
% of total
6.5%
66
6.5%
$600 - $999
2021 count
118
% of total
11.6%
118
11.6%
$1,000 - $1,199
2021 count
113
% of total
11.1%
113
11.1%
$1,200 - $1,399
2021 count
157
% of total
15.5%
157
15.5%
$1,400 - $1,599
2021 count
119
% of total
11.7%
119
11.7%
$1,600-$1,799
2021 count
104
% of total
10.2%
104
10.2%
$1,800 - $1,999
2021 count
62
% of total
6.1%
62
6.1%
$2,000 - $2,199
2021 count
64
% of total
6.3%
64
6.3%
$2,200 - $2,399
2021 count
15
% of total
1.5%
15
1.5%
$2,400-$2,599
2021 count
8
% of total
0.8%
8
0.8%
$2,600-$2,999
2021 count
28
% of total
2.8%
28
2.8%
$3,000-$3,999
2021 count
25
% of total
2.5%
25
2.5%
$4,000-$4,999
2021 count
3
% of total
0.3%
3
0.3%
$5000 and over
2021 count
14
% of total
1.4%
14
1.4%
Not stated
2021 count
56
% of total
5.5%
56
5.5%
Data table
Housing loan repayments for Cooloongup. Monthly housing loan repayments. 2021 counts and percentages compared with Rockingham (C).
| Category | 2021 count | 2021 % | Rockingham (C) % |
|---|---|---|---|
| $299 or less | 63 | 6.2% | 3.2% |
| $300 - $599 | 66 | 6.5% | 2.6% |
| $600 - $999 | 118 | 11.6% | 6.0% |
| $1,000 - $1,199 | 113 | 11.1% | 6.2% |
| $1,200 - $1,399 | 157 | 15.5% | 9.3% |
| $1,400 - $1,599 | 119 | 11.7% | 10.4% |
| $1,600-$1,799 | 104 | 10.2% | 12.4% |
| $1,800 - $1,999 | 62 | 6.1% | 9.0% |
| $2,000 - $2,199 | 64 | 6.3% | 12.7% |
| $2,200 - $2,399 | 15 | 1.5% | 4.9% |
| $2,400-$2,599 | 8 | 0.8% | 3.1% |
| $2,600-$2,999 | 28 | 2.8% | 5.8% |
| $3,000-$3,999 | 25 | 2.5% | 5.4% |
| $4,000-$4,999 | 3 | 0.3% | 2.0% |
| $5000 and over | 14 | 1.4% | 1.3% |
| Not stated | 56 | 5.5% | 5.6% |
| Total | 1,015 | 100.0% | 100.0% |