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 Shoalhaven (C), accounting for 9.6% (1,136 households). This share was lower than Regional NSW (10%).
Section overview
Monthly housing loan repayments
Shoalhaven (C) - Households (Enumerated)
This table summarises housing loan repayments for Shoalhaven (C) in 2021 for persons, with comparison against Regional NSW.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Shoalhaven (C), with comparison markers for Regional NSW.
$299 or less
2021 count
736
% of total
6.2%
736
6.2%
$300 - $599
2021 count
528
% of total
4.5%
528
4.5%
$600 - $999
2021 count
1,076
% of total
9.1%
1,076
9.1%
$1,000 - $1,199
2021 count
767
% of total
6.5%
767
6.5%
$1,200 - $1,399
2021 count
1,005
% of total
8.5%
1,005
8.5%
$1,400 - $1,599
2021 count
878
% of total
7.4%
878
7.4%
$1,600-$1,799
2021 count
1,079
% of total
9.1%
1,079
9.1%
$1,800 - $1,999
2021 count
827
% of total
7.0%
827
7.0%
$2,000 - $2,199
2021 count
1,136
% of total
9.6%
1,136
9.6%
$2,200 - $2,399
2021 count
537
% of total
4.5%
537
4.5%
$2,400-$2,599
2021 count
319
% of total
2.7%
319
2.7%
$2,600-$2,999
2021 count
806
% of total
6.8%
806
6.8%
$3,000-$3,999
2021 count
843
% of total
7.1%
843
7.1%
$4,000-$4,999
2021 count
306
% of total
2.6%
306
2.6%
$5000 and over
2021 count
283
% of total
2.4%
283
2.4%
Not stated
2021 count
710
% of total
6.0%
710
6.0%
Data table
Housing loan repayments for Shoalhaven (C). Monthly housing loan repayments. 2021 counts and percentages compared with Regional NSW.
| Category | 2021 count | 2021 % | Regional NSW % |
|---|---|---|---|
| $299 or less | 736 | 6.2% | 4.9% |
| $300 - $599 | 528 | 4.5% | 4.3% |
| $600 - $999 | 1,076 | 9.1% | 9.7% |
| $1,000 - $1,199 | 767 | 6.5% | 7.0% |
| $1,200 - $1,399 | 1,005 | 8.5% | 8.8% |
| $1,400 - $1,599 | 878 | 7.4% | 7.9% |
| $1,600-$1,799 | 1,079 | 9.1% | 9.1% |
| $1,800 - $1,999 | 827 | 7.0% | 6.4% |
| $2,000 - $2,199 | 1,136 | 9.6% | 10.0% |
| $2,200 - $2,399 | 537 | 4.5% | 4.2% |
| $2,400-$2,599 | 319 | 2.7% | 2.8% |
| $2,600-$2,999 | 806 | 6.8% | 7.0% |
| $3,000-$3,999 | 843 | 7.1% | 7.5% |
| $4,000-$4,999 | 306 | 2.6% | 2.7% |
| $5000 and over | 283 | 2.4% | 2.1% |
| Not stated | 710 | 6.0% | 5.7% |
| Total | 11,836 | 100.0% | 100.0% |