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 Warwick (Qld), accounting for 21.3% (271 households). This share was higher than Southern Downs (R) (18.1%).
Section overview
Monthly housing loan repayments
Warwick (Qld) - Households (Enumerated)
This table summarises housing loan repayments for Warwick (Qld) in 2021 for persons, with comparison against Southern Downs (R).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Warwick (Qld), with comparison markers for Southern Downs (R).
$299 or less
2021 count
71
% of total
5.6%
71
5.6%
$300 - $599
2021 count
77
% of total
6.1%
77
6.1%
$600 - $999
2021 count
271
% of total
21.3%
271
21.3%
$1,000 - $1,199
2021 count
200
% of total
15.7%
200
15.7%
$1,200 - $1,399
2021 count
194
% of total
15.3%
194
15.3%
$1,400 - $1,599
2021 count
112
% of total
8.8%
112
8.8%
$1,600-$1,799
2021 count
111
% of total
8.7%
111
8.7%
$1,800 - $1,999
2021 count
46
% of total
3.6%
46
3.6%
$2,000 - $2,199
2021 count
52
% of total
4.1%
52
4.1%
$2,200 - $2,399
2021 count
11
% of total
0.9%
11
0.9%
$2,400-$2,599
2021 count
7
% of total
0.6%
7
0.6%
$2,600-$2,999
2021 count
23
% of total
1.8%
23
1.8%
$3,000-$3,999
2021 count
15
% of total
1.2%
15
1.2%
$4,000-$4,999
2021 count
5
% of total
0.4%
5
0.4%
$5000 and over
2021 count
4
% of total
0.3%
4
0.3%
Not stated
2021 count
72
% of total
5.7%
72
5.7%
Data table
Housing loan repayments for Warwick (Qld). Monthly housing loan repayments. 2021 counts and percentages compared with Southern Downs (R).
| Category | 2021 count | 2021 % | Southern Downs (R) % |
|---|---|---|---|
| $299 or less | 71 | 5.6% | 5.8% |
| $300 - $599 | 77 | 6.1% | 6.3% |
| $600 - $999 | 271 | 21.3% | 18.1% |
| $1,000 - $1,199 | 200 | 15.7% | 13.0% |
| $1,200 - $1,399 | 194 | 15.3% | 13.1% |
| $1,400 - $1,599 | 112 | 8.8% | 9.2% |
| $1,600-$1,799 | 111 | 8.7% | 7.8% |
| $1,800 - $1,999 | 46 | 3.6% | 4.1% |
| $2,000 - $2,199 | 52 | 4.1% | 6.3% |
| $2,200 - $2,399 | 11 | 0.9% | 2.2% |
| $2,400-$2,599 | 7 | 0.6% | 1.2% |
| $2,600-$2,999 | 23 | 1.8% | 2.7% |
| $3,000-$3,999 | 15 | 1.2% | 2.9% |
| $4,000-$4,999 | 5 | 0.4% | 0.9% |
| $5000 and over | 4 | 0.3% | 0.9% |
| Not stated | 72 | 5.7% | 5.5% |
| Total | 1,271 | 100.0% | 100.0% |