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 Swan Hill (RC), accounting for 21.9% (494 households). This share was higher than Regional Vic. (13.8%).
Section overview
Monthly housing loan repayments
Swan Hill (RC) - Households (Enumerated)
This table summarises housing loan repayments for Swan Hill (RC) in 2021 for persons, with comparison against Regional Vic..
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Swan Hill (RC), with comparison markers for Regional Vic..
$299 or less
2021 count
131
% of total
5.8%
131
5.8%
$300 - $599
2021 count
180
% of total
8.0%
180
8.0%
$600 - $999
2021 count
494
% of total
21.9%
494
21.9%
$1,000 - $1,199
2021 count
288
% of total
12.8%
288
12.8%
$1,200 - $1,399
2021 count
268
% of total
11.9%
268
11.9%
$1,400 - $1,599
2021 count
202
% of total
9.0%
202
9.0%
$1,600-$1,799
2021 count
149
% of total
6.6%
149
6.6%
$1,800 - $1,999
2021 count
66
% of total
2.9%
66
2.9%
$2,000 - $2,199
2021 count
149
% of total
6.6%
149
6.6%
$2,200 - $2,399
2021 count
35
% of total
1.6%
35
1.6%
$2,400-$2,599
2021 count
18
% of total
0.8%
18
0.8%
$2,600-$2,999
2021 count
46
% of total
2.0%
46
2.0%
$3,000-$3,999
2021 count
50
% of total
2.2%
50
2.2%
$4,000-$4,999
2021 count
15
% of total
0.7%
15
0.7%
$5000 and over
2021 count
19
% of total
0.8%
19
0.8%
Not stated
2021 count
145
% of total
6.4%
145
6.4%
Data table
Housing loan repayments for Swan Hill (RC). Monthly housing loan repayments. 2021 counts and percentages compared with Regional Vic..
| Category | 2021 count | 2021 % | Regional Vic. % |
|---|---|---|---|
| $299 or less | 131 | 5.8% | 4.9% |
| $300 - $599 | 180 | 8.0% | 5.8% |
| $600 - $999 | 494 | 21.9% | 13.8% |
| $1,000 - $1,199 | 288 | 12.8% | 9.6% |
| $1,200 - $1,399 | 268 | 11.9% | 11.2% |
| $1,400 - $1,599 | 202 | 9.0% | 9.5% |
| $1,600-$1,799 | 149 | 6.6% | 9.4% |
| $1,800 - $1,999 | 66 | 2.9% | 5.7% |
| $2,000 - $2,199 | 149 | 6.6% | 8.0% |
| $2,200 - $2,399 | 35 | 1.6% | 2.8% |
| $2,400-$2,599 | 18 | 0.8% | 1.9% |
| $2,600-$2,999 | 46 | 2.0% | 4.1% |
| $3,000-$3,999 | 50 | 2.2% | 4.4% |
| $4,000-$4,999 | 15 | 0.7% | 1.7% |
| $5000 and over | 19 | 0.8% | 1.4% |
| Not stated | 145 | 6.4% | 5.9% |
| Total | 2,255 | 100.0% | 100.0% |