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, 64.9% of households in Upper Hunter Shire (A) were purchasing or had fully paid off their home, while 23.3% were renting. The mortgage share was higher than Regional NSW (29.4%).
Section overview
Housing tenure
Upper Hunter Shire (A) - Households (Enumerated)
This table summarises housing tenure for Upper Hunter Shire (A) in 2021 for persons, with comparison against Regional NSW and change since 2016.
Housing tenure snapshot
2021 distribution by category for Upper Hunter Shire (A), with comparison markers for Regional NSW.
Fully owned
2021 count
2,065
% of total
35.0%
Change from 2016
+1.9pp
2,065
35.0%
+1.9pp
Mortgage
2021 count
1,763
% of total
29.9%
Change from 2016
+0.6pp
1,763
29.9%
+0.6pp
Renting - Total
2021 count
1,372
% of total
23.3%
Change from 2016
-3.7pp
1,372
23.3%
-3.7pp
Renting - Social housing
2021 count
169
% of total
2.9%
Change from 2016
-0.2pp
169
2.9%
-0.2pp
Renting - Private
2021 count
1,197
% of total
20.3%
Change from 2016
-2.2pp
1,197
20.3%
-2.2pp
Renting - Not stated
2021 count
10
% of total
0.2%
Change from 2016
-1.2pp
10
0.2%
-1.2pp
Other tenure type
2021 count
318
% of total
5.4%
Change from 2016
+4.5pp
318
5.4%
+4.5pp
Not stated
2021 count
386
% of total
6.5%
Change from 2016
-3.2pp
386
6.5%
-3.2pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
+196
+1.9pp
Mortgage
+111
+0.6pp
Renting - Total
-149
-3.7pp
Renting - Social housing
-6
-0.2pp
Renting - Private
-70
-2.2pp
Renting - Not stated
-69
-1.2pp
Other tenure type
+268
+4.5pp
Not stated
-162
-3.2pp
Data table
Housing tenure for Upper Hunter Shire (A). Housing tenure. 2021 and 2016 counts, percentages, and change compared with Regional NSW.
| Category | 2021 | 2016 | Change | |||||
|---|---|---|---|---|---|---|---|---|
| Count | % | Regional NSW% | Count | % | Regional NSW% | Count | pp | |
| Fully owned | 2,065 | 35.0% | 36.3% | 1,869 | 33.1% | 35.5% | +196 | +1.9pp |
| Mortgage | 1,763 | 29.9% | 29.4% | 1,652 | 29.3% | 28.6% | +111 | +0.6pp |
| Renting - Total | 1,372 | 23.3% | 25.7% | 1,521 | 27.0% | 26.5% | -149 | -3.7pp |
| Renting - Social housing | 169 | 2.9% | 3.8% | 175 | 3.1% | 4.2% | -6 | -0.2pp |
| Renting - Private | 1,197 | 20.3% | 21.7% | 1,267 | 22.5% | 21.6% | -70 | -2.2pp |
| Renting - Not stated | 10 | 0.2% | 0.2% | 79 | 1.4% | 0.7% | -69 | -1.2pp |
| Other tenure type | 318 | 5.4% | 2.3% | 50 | 0.9% | 1.0% | +268 | +4.5pp |
| Not stated | 386 | 6.5% | 6.4% | 548 | 9.7% | 8.4% | -162 | -3.2pp |
| Total households | 5,899 | 100.0% | 100.0% | 5,640 | 100.0% | 100.0% | +259 | 0.0pp |