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, $3,000-$3,999 was the most common mortgage repayment band among households with a mortgage in Sydney (C), accounting for 18.5% (3,488 households). This share was higher than Greater Sydney (16.1%).
Section overview
Monthly housing loan repayments
Sydney (C) - Households (Enumerated)
This table summarises housing loan repayments for Sydney (C) in 2021 for persons, with comparison against Greater Sydney.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Sydney (C), with comparison markers for Greater Sydney.
$299 or less
2021 count
1,004
% of total
5.3%
1,004
5.3%
$300 - $599
2021 count
310
% of total
1.6%
310
1.6%
$600 - $999
2021 count
608
% of total
3.2%
608
3.2%
$1,000 - $1,199
2021 count
532
% of total
2.8%
532
2.8%
$1,200 - $1,399
2021 count
619
% of total
3.3%
619
3.3%
$1,400 - $1,599
2021 count
626
% of total
3.3%
626
3.3%
$1,600-$1,799
2021 count
686
% of total
3.6%
686
3.6%
$1,800 - $1,999
2021 count
623
% of total
3.3%
623
3.3%
$2,000 - $2,199
2021 count
1,544
% of total
8.2%
1,544
8.2%
$2,200 - $2,399
2021 count
740
% of total
3.9%
740
3.9%
$2,400-$2,599
2021 count
938
% of total
5.0%
938
5.0%
$2,600-$2,999
2021 count
1,636
% of total
8.7%
1,636
8.7%
$3,000-$3,999
2021 count
3,488
% of total
18.5%
3,488
18.5%
$4,000-$4,999
2021 count
1,909
% of total
10.1%
1,909
10.1%
$5000 and over
2021 count
2,521
% of total
13.4%
2,521
13.4%
Not stated
2021 count
1,044
% of total
5.5%
1,044
5.5%
Data table
Housing loan repayments for Sydney (C). Monthly housing loan repayments. 2021 counts and percentages compared with Greater Sydney.
| Category | 2021 count | 2021 % | Greater Sydney % |
|---|---|---|---|
| $299 or less | 1,004 | 5.3% | 4.7% |
| $300 - $599 | 310 | 1.6% | 2.1% |
| $600 - $999 | 608 | 3.2% | 4.0% |
| $1,000 - $1,199 | 532 | 2.8% | 3.2% |
| $1,200 - $1,399 | 619 | 3.3% | 3.9% |
| $1,400 - $1,599 | 626 | 3.3% | 4.2% |
| $1,600-$1,799 | 686 | 3.6% | 5.1% |
| $1,800 - $1,999 | 623 | 3.3% | 4.3% |
| $2,000 - $2,199 | 1,544 | 8.2% | 9.3% |
| $2,200 - $2,399 | 740 | 3.9% | 4.8% |
| $2,400-$2,599 | 938 | 5.0% | 4.8% |
| $2,600-$2,999 | 1,636 | 8.7% | 9.3% |
| $3,000-$3,999 | 3,488 | 18.5% | 16.1% |
| $4,000-$4,999 | 1,909 | 10.1% | 8.0% |
| $5000 and over | 2,521 | 13.4% | 9.6% |
| Not stated | 1,044 | 5.5% | 6.6% |
| Total | 18,828 | 100.0% | 100.0% |