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, 70.6% of households in Shellharbour (C) were purchasing or had fully paid off their home, while 26.7% were renting. The mortgage share was higher than Regional NSW (31.2%).
Section overview
Housing tenure
Shellharbour (C) - Households (Enumerated)
This table summarises housing tenure for Shellharbour (C) in 2021 for persons, with comparison against Regional NSW and change since 2016.
Housing tenure snapshot
2021 distribution by category for Shellharbour (C), with comparison markers for Regional NSW.
Fully owned
2021 count
9,337
% of total
33.9%
Change from 2016
-0.4pp
9,337
33.9%
-0.4pp
Mortgage
2021 count
10,105
% of total
36.7%
Change from 2016
+0.8pp
10,105
36.7%
+0.8pp
Renting - Total
2021 count
7,363
% of total
26.7%
Change from 2016
+0.1pp
7,363
26.7%
+0.1pp
Renting - Social housing
2021 count
1,777
% of total
6.5%
Change from 2016
-0.7pp
1,777
6.5%
-0.7pp
Renting - Private
2021 count
5,552
% of total
20.2%
Change from 2016
+1.1pp
5,552
20.2%
+1.1pp
Renting - Not stated
2021 count
29
% of total
0.1%
Change from 2016
-0.2pp
29
0.1%
-0.2pp
Other tenure type
2021 count
370
% of total
1.3%
Change from 2016
+0.6pp
370
1.3%
+0.6pp
Not stated
2021 count
360
% of total
1.3%
Change from 2016
-1.2pp
360
1.3%
-1.2pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
+1,235
-0.4pp
Mortgage
+1,607
+0.8pp
Renting - Total
+1,077
+0.1pp
Renting - Social housing
+75
-0.7pp
Renting - Private
+1,048
+1.1pp
Renting - Not stated
-46
-0.2pp
Other tenure type
+214
+0.6pp
Not stated
-239
-1.2pp
Data table
Housing tenure for Shellharbour (C). Housing tenure. 2021 and 2016 counts, percentages, and change compared with Regional NSW.
| Category | 2021 | 2016 | Change | |||||
|---|---|---|---|---|---|---|---|---|
| Count | % | Regional NSW% | Count | % | Regional NSW% | Count | pp | |
| Fully owned | 9,337 | 33.9% | 38.0% | 8,102 | 34.3% | 37.4% | +1,235 | -0.4pp |
| Mortgage | 10,105 | 36.7% | 31.2% | 8,498 | 35.9% | 30.6% | +1,607 | +0.8pp |
| Renting - Total | 7,363 | 26.7% | 26.8% | 6,286 | 26.6% | 27.9% | +1,077 | +0.1pp |
| Renting - Social housing | 1,777 | 6.5% | 4.0% | 1,702 | 7.2% | 4.5% | +75 | -0.7pp |
| Renting - Private | 5,552 | 20.2% | 22.6% | 4,504 | 19.1% | 22.7% | +1,048 | +1.1pp |
| Renting - Not stated | 29 | 0.1% | 0.2% | 75 | 0.3% | 0.7% | -46 | -0.2pp |
| Other tenure type | 370 | 1.3% | 2.3% | 156 | 0.7% | 1.0% | +214 | +0.6pp |
| Not stated | 360 | 1.3% | 1.7% | 599 | 2.5% | 3.0% | -239 | -1.2pp |
| Total households | 27,543 | 100.0% | 100.0% | 23,643 | 100.0% | 100.0% | +3,900 | 0.0pp |