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, 71.8% of households in Shoalhaven (C) were purchasing or had fully paid off their home, while 24.2% were renting. The mortgage share was lower than Regional NSW (31.2%).
Section overview
Housing tenure
Shoalhaven (C) - Households (Enumerated)
This table summarises housing tenure for Shoalhaven (C) in 2021 for persons, with comparison against Regional NSW and change since 2016.
Housing tenure snapshot
2021 distribution by category for Shoalhaven (C), with comparison markers for Regional NSW.
Fully owned
2021 count
19,052
% of total
44.7%
Change from 2016
+0.9pp
19,052
44.7%
+0.9pp
Mortgage
2021 count
11,551
% of total
27.1%
Change from 2016
+0.3pp
11,551
27.1%
+0.3pp
Renting - Total
2021 count
10,335
% of total
24.2%
Change from 2016
-0.8pp
10,335
24.2%
-0.8pp
Renting - Social housing
2021 count
1,563
% of total
3.7%
Change from 2016
-0.4pp
1,563
3.7%
-0.4pp
Renting - Private
2021 count
8,703
% of total
20.4%
Change from 2016
+0.1pp
8,703
20.4%
+0.1pp
Renting - Not stated
2021 count
65
% of total
0.2%
Change from 2016
-0.4pp
65
0.2%
-0.4pp
Other tenure type
2021 count
985
% of total
2.3%
Change from 2016
+1.1pp
985
2.3%
+1.1pp
Not stated
2021 count
744
% of total
1.7%
Change from 2016
-1.5pp
744
1.7%
-1.5pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
+2,320
+0.9pp
Mortgage
+1,308
+0.3pp
Renting - Total
+791
-0.8pp
Renting - Social housing
+2
-0.4pp
Renting - Private
+953
+0.1pp
Renting - Not stated
-168
-0.4pp
Other tenure type
+523
+1.1pp
Not stated
-459
-1.5pp
Data table
Housing tenure for Shoalhaven (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 | 19,052 | 44.7% | 38.0% | 16,732 | 43.8% | 37.4% | +2,320 | +0.9pp |
| Mortgage | 11,551 | 27.1% | 31.2% | 10,243 | 26.8% | 30.6% | +1,308 | +0.3pp |
| Renting - Total | 10,335 | 24.2% | 26.8% | 9,544 | 25.0% | 27.9% | +791 | -0.8pp |
| Renting - Social housing | 1,563 | 3.7% | 4.0% | 1,561 | 4.1% | 4.5% | +2 | -0.4pp |
| Renting - Private | 8,703 | 20.4% | 22.6% | 7,750 | 20.3% | 22.7% | +953 | +0.1pp |
| Renting - Not stated | 65 | 0.2% | 0.2% | 233 | 0.6% | 0.7% | -168 | -0.4pp |
| Other tenure type | 985 | 2.3% | 2.3% | 462 | 1.2% | 1.0% | +523 | +1.1pp |
| Not stated | 744 | 1.7% | 1.7% | 1,203 | 3.2% | 3.0% | -459 | -1.5pp |
| Total households | 42,667 | 100.0% | 100.0% | 38,187 | 100.0% | 100.0% | +4,480 | 0.0pp |