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, $600 to $999 was the most common mortgage repayment band among households with a mortgage in Snowy Monaro Regional (A), accounting for 13.7% (357 households). This share was higher than Regional NSW (9.7%).
Section overview
Monthly housing loan repayments
Snowy Monaro Regional (A) - Households (Enumerated)
This table summarises housing loan repayments for Snowy Monaro Regional (A) in 2021 for persons, with comparison against Regional NSW.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Snowy Monaro Regional (A), with comparison markers for Regional NSW.
$299 or less
2021 count
132
% of total
5.1%
132
5.1%
$300 - $599
2021 count
135
% of total
5.2%
135
5.2%
$600 - $999
2021 count
357
% of total
13.7%
357
13.7%
$1,000 - $1,199
2021 count
255
% of total
9.8%
255
9.8%
$1,200 - $1,399
2021 count
263
% of total
10.1%
263
10.1%
$1,400 - $1,599
2021 count
211
% of total
8.1%
211
8.1%
$1,600-$1,799
2021 count
210
% of total
8.1%
210
8.1%
$1,800 - $1,999
2021 count
123
% of total
4.7%
123
4.7%
$2,000 - $2,199
2021 count
227
% of total
8.7%
227
8.7%
$2,200 - $2,399
2021 count
71
% of total
2.7%
71
2.7%
$2,400-$2,599
2021 count
67
% of total
2.6%
67
2.6%
$2,600-$2,999
2021 count
133
% of total
5.1%
133
5.1%
$3,000-$3,999
2021 count
163
% of total
6.3%
163
6.3%
$4,000-$4,999
2021 count
53
% of total
2.0%
53
2.0%
$5000 and over
2021 count
57
% of total
2.2%
57
2.2%
Not stated
2021 count
145
% of total
5.6%
145
5.6%
Data table
Housing loan repayments for Snowy Monaro Regional (A). Monthly housing loan repayments. 2021 counts and percentages compared with Regional NSW.
| Category | 2021 count | 2021 % | Regional NSW % |
|---|---|---|---|
| $299 or less | 132 | 5.1% | 4.9% |
| $300 - $599 | 135 | 5.2% | 4.3% |
| $600 - $999 | 357 | 13.7% | 9.7% |
| $1,000 - $1,199 | 255 | 9.8% | 7.0% |
| $1,200 - $1,399 | 263 | 10.1% | 8.8% |
| $1,400 - $1,599 | 211 | 8.1% | 7.9% |
| $1,600-$1,799 | 210 | 8.1% | 9.1% |
| $1,800 - $1,999 | 123 | 4.7% | 6.4% |
| $2,000 - $2,199 | 227 | 8.7% | 10.0% |
| $2,200 - $2,399 | 71 | 2.7% | 4.2% |
| $2,400-$2,599 | 67 | 2.6% | 2.8% |
| $2,600-$2,999 | 133 | 5.1% | 7.0% |
| $3,000-$3,999 | 163 | 6.3% | 7.5% |
| $4,000-$4,999 | 53 | 2.0% | 2.7% |
| $5000 and over | 57 | 2.2% | 2.1% |
| Not stated | 145 | 5.6% | 5.7% |
| Total | 2,602 | 100.0% | 100.0% |