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, 66.3% of households in Swan Hill (RC) were purchasing or had fully paid off their home, while 28.7% were renting. The mortgage share was lower than Regional Vic. (33.2%).
Section overview
Housing tenure
Swan Hill (RC) - Households (Enumerated)
This table summarises housing tenure for Swan Hill (RC) in 2021 for persons, with comparison against Regional Vic. and change since 2016.
Housing tenure snapshot
2021 distribution by category for Swan Hill (RC), with comparison markers for Regional Vic..
Fully owned
2021 count
2,866
% of total
37.1%
Change from 2016
+0.3pp
2,866
37.1%
+0.3pp
Mortgage
2021 count
2,252
% of total
29.2%
Change from 2016
-0.7pp
2,252
29.2%
-0.7pp
Renting - Total
2021 count
2,214
% of total
28.7%
Change from 2016
-0.1pp
2,214
28.7%
-0.1pp
Renting - Social housing
2021 count
399
% of total
5.2%
Change from 2016
-0.3pp
399
5.2%
-0.3pp
Renting - Private
2021 count
1,787
% of total
23.2%
Change from 2016
+1.1pp
1,787
23.2%
+1.1pp
Renting - Not stated
2021 count
28
% of total
0.4%
Change from 2016
-0.8pp
28
0.4%
-0.8pp
Other tenure type
2021 count
203
% of total
2.6%
Change from 2016
+1.9pp
203
2.6%
+1.9pp
Not stated
2021 count
180
% of total
2.3%
Change from 2016
-1.5pp
180
2.3%
-1.5pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
+217
+0.3pp
Mortgage
+98
-0.7pp
Renting - Total
+140
-0.1pp
Renting - Social housing
+5
-0.3pp
Renting - Private
+194
+1.1pp
Renting - Not stated
-59
-0.8pp
Other tenure type
+152
+1.9pp
Not stated
-91
-1.5pp
Data table
Housing tenure for Swan Hill (RC). Housing tenure. 2021 and 2016 counts, percentages, and change compared with Regional Vic..
| Category | 2021 | 2016 | Change | |||||
|---|---|---|---|---|---|---|---|---|
| Count | % | Regional Vic.% | Count | % | Regional Vic.% | Count | pp | |
| Fully owned | 2,866 | 37.1% | 39.3% | 2,649 | 36.8% | 37.8% | +217 | +0.3pp |
| Mortgage | 2,252 | 29.2% | 33.2% | 2,154 | 29.9% | 33.2% | +98 | -0.7pp |
| Renting - Total | 2,214 | 28.7% | 23.6% | 2,074 | 28.8% | 25.1% | +140 | -0.1pp |
| Renting - Social housing | 399 | 5.2% | 3.1% | 394 | 5.5% | 3.6% | +5 | -0.3pp |
| Renting - Private | 1,787 | 23.2% | 20.3% | 1,593 | 22.1% | 20.8% | +194 | +1.1pp |
| Renting - Not stated | 28 | 0.4% | 0.2% | 87 | 1.2% | 0.7% | -59 | -0.8pp |
| Other tenure type | 203 | 2.6% | 2.1% | 51 | 0.7% | 0.8% | +152 | +1.9pp |
| Not stated | 180 | 2.3% | 1.9% | 271 | 3.8% | 3.1% | -91 | -1.5pp |
| Total households | 7,718 | 100.0% | 100.0% | 7,198 | 100.0% | 100.0% | +520 | 0.0pp |