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 to $2,199 was the most common mortgage repayment band among households with a mortgage in Shellharbour (C), accounting for 12.7% (1,290 households). This share was higher than Regional NSW (10%).
Section overview
Monthly housing loan repayments
Shellharbour (C) - Households (Enumerated)
This table summarises housing loan repayments for Shellharbour (C) in 2021 for persons, with comparison against Regional NSW.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Shellharbour (C), with comparison markers for Regional NSW.
Nil Repayments
2021 count
223
% of total
2.2%
223
2.2%
1 To 149
2021 count
67
% of total
0.7%
67
0.7%
150 To 299
2021 count
104
% of total
1.0%
104
1.0%
300 To 449
2021 count
150
% of total
1.5%
150
1.5%
450 To 599
2021 count
145
% of total
1.4%
145
1.4%
600 To 799
2021 count
234
% of total
2.3%
234
2.3%
800 To 999
2021 count
333
% of total
3.3%
333
3.3%
1000 To 1199
2021 count
408
% of total
4.0%
408
4.0%
1200 To 1399
2021 count
620
% of total
6.1%
620
6.1%
1400 To 1599
2021 count
615
% of total
6.1%
615
6.1%
1600 To 1799
2021 count
749
% of total
7.4%
749
7.4%
1800 To 1999
2021 count
683
% of total
6.7%
683
6.7%
2000 To 2199
2021 count
1,290
% of total
12.7%
1,290
12.7%
2200 To 2399
2021 count
683
% of total
6.7%
683
6.7%
2400 To 2599
2021 count
418
% of total
4.1%
418
4.1%
2600 To 2799
2021 count
796
% of total
7.9%
796
7.9%
2800 To 2999
2021 count
402
% of total
4.0%
402
4.0%
3000 To 3499
2021 count
854
% of total
8.4%
854
8.4%
3500 To 3999
2021 count
244
% of total
2.4%
244
2.4%
4000 To 4999
2021 count
326
% of total
3.2%
326
3.2%
5000 And Over
2021 count
192
% of total
1.9%
192
1.9%
Not stated
2021 count
587
% of total
5.8%
587
5.8%
Data table
Housing loan repayments for Shellharbour (C). Monthly housing loan repayments. 2021 counts and percentages compared with Regional NSW.
| Category | 2021 count | 2021 % | Regional NSW % |
|---|---|---|---|
| Nil Repayments | 223 | 2.2% | 2.9% |
| 1 To 149 | 67 | 0.7% | 0.8% |
| 150 To 299 | 104 | 1.0% | 1.1% |
| 300 To 449 | 150 | 1.5% | 2.2% |
| 450 To 599 | 145 | 1.4% | 2.1% |
| 600 To 799 | 234 | 2.3% | 4.0% |
| 800 To 999 | 333 | 3.3% | 5.7% |
| 1000 To 1199 | 408 | 4.0% | 7.0% |
| 1200 To 1399 | 620 | 6.1% | 8.8% |
| 1400 To 1599 | 615 | 6.1% | 7.9% |
| 1600 To 1799 | 749 | 7.4% | 9.1% |
| 1800 To 1999 | 683 | 6.7% | 6.4% |
| 2000 To 2199 | 1,290 | 12.7% | 10.0% |
| 2200 To 2399 | 683 | 6.7% | 4.2% |
| 2400 To 2599 | 418 | 4.1% | 2.8% |
| 2600 To 2799 | 796 | 7.9% | 4.8% |
| 2800 To 2999 | 402 | 4.0% | 2.2% |
| 3000 To 3499 | 854 | 8.4% | 5.8% |
| 3500 To 3999 | 244 | 2.4% | 1.7% |
| 4000 To 4999 | 326 | 3.2% | 2.7% |
| 5000 And Over | 192 | 1.9% | 2.1% |
| Not stated | 587 | 5.8% | 5.7% |
| Total | 10,123 | 100.0% | 100.0% |