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, $3,000-$3,999 was the most common mortgage repayment band among households with a mortgage in Ryde (C), accounting for 15.8% (2,306 households). This share was lower than Greater Sydney (16.1%).
Section overview
Monthly housing loan repayments
Ryde (C) - Households (Enumerated)
This table summarises housing loan repayments for Ryde (C) in 2021 for persons, with comparison against Greater Sydney.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Ryde (C), with comparison markers for Greater Sydney.
$299 or less
2021 count
838
% of total
5.8%
838
5.8%
$300 - $599
2021 count
277
% of total
1.9%
277
1.9%
$600 - $999
2021 count
512
% of total
3.5%
512
3.5%
$1,000 - $1,199
2021 count
409
% of total
2.8%
409
2.8%
$1,200 - $1,399
2021 count
458
% of total
3.1%
458
3.1%
$1,400 - $1,599
2021 count
482
% of total
3.3%
482
3.3%
$1,600-$1,799
2021 count
541
% of total
3.7%
541
3.7%
$1,800 - $1,999
2021 count
564
% of total
3.9%
564
3.9%
$2,000 - $2,199
2021 count
1,327
% of total
9.1%
1,327
9.1%
$2,200 - $2,399
2021 count
624
% of total
4.3%
624
4.3%
$2,400-$2,599
2021 count
738
% of total
5.1%
738
5.1%
$2,600-$2,999
2021 count
1,135
% of total
7.8%
1,135
7.8%
$3,000-$3,999
2021 count
2,306
% of total
15.8%
2,306
15.8%
$4,000-$4,999
2021 count
1,482
% of total
10.2%
1,482
10.2%
$5000 and over
2021 count
1,877
% of total
12.9%
1,877
12.9%
Not stated
2021 count
999
% of total
6.9%
999
6.9%
Data table
Housing loan repayments for Ryde (C). Monthly housing loan repayments. 2021 counts and percentages compared with Greater Sydney.
| Category | 2021 count | 2021 % | Greater Sydney % |
|---|---|---|---|
| $299 or less | 838 | 5.8% | 4.7% |
| $300 - $599 | 277 | 1.9% | 2.1% |
| $600 - $999 | 512 | 3.5% | 4.0% |
| $1,000 - $1,199 | 409 | 2.8% | 3.2% |
| $1,200 - $1,399 | 458 | 3.1% | 3.9% |
| $1,400 - $1,599 | 482 | 3.3% | 4.2% |
| $1,600-$1,799 | 541 | 3.7% | 5.1% |
| $1,800 - $1,999 | 564 | 3.9% | 4.3% |
| $2,000 - $2,199 | 1,327 | 9.1% | 9.3% |
| $2,200 - $2,399 | 624 | 4.3% | 4.8% |
| $2,400-$2,599 | 738 | 5.1% | 4.8% |
| $2,600-$2,999 | 1,135 | 7.8% | 9.3% |
| $3,000-$3,999 | 2,306 | 15.8% | 16.1% |
| $4,000-$4,999 | 1,482 | 10.2% | 8.0% |
| $5000 and over | 1,877 | 12.9% | 9.6% |
| Not stated | 999 | 6.9% | 6.6% |
| Total | 14,569 | 100.0% | 100.0% |