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, 68.7% of households in Upper Hunter Shire (A) were purchasing or had fully paid off their home, while 24.2% were renting. The mortgage share was higher than Regional NSW (31.2%).
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
2,016
% of total
36.7%
Change from 2016
+1.2pp
2,016
36.7%
+1.2pp
Mortgage
2021 count
1,758
% of total
32.0%
Change from 2016
+0.1pp
1,758
32.0%
+0.1pp
Renting - Total
2021 count
1,329
% of total
24.2%
Change from 2016
-4.8pp
1,329
24.2%
-4.8pp
Renting - Social housing
2021 count
170
% of total
3.1%
Change from 2016
-0.2pp
170
3.1%
-0.2pp
Renting - Private
2021 count
1,162
% of total
21.1%
Change from 2016
-3.0pp
1,162
21.1%
-3.0pp
Renting - Not stated
2021 count
10
% of total
0.2%
Change from 2016
-1.3pp
10
0.2%
-1.3pp
Other tenure type
2021 count
304
% of total
5.5%
Change from 2016
+4.6pp
304
5.5%
+4.6pp
Not stated
2021 count
97
% of total
1.8%
Change from 2016
-1.0pp
97
1.8%
-1.0pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
+185
+1.2pp
Mortgage
+113
+0.1pp
Renting - Total
-167
-4.8pp
Renting - Social housing
0
-0.2pp
Renting - Private
-84
-3.0pp
Renting - Not stated
-69
-1.3pp
Other tenure type
+257
+4.6pp
Not stated
-48
-1.0pp
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 | 2,016 | 36.7% | 38.0% | 1,831 | 35.5% | 37.4% | +185 | +1.2pp |
| Mortgage | 1,758 | 32.0% | 31.2% | 1,645 | 31.9% | 30.6% | +113 | +0.1pp |
| Renting - Total | 1,329 | 24.2% | 26.8% | 1,496 | 29.0% | 27.9% | -167 | -4.8pp |
| Renting - Social housing | 170 | 3.1% | 4.0% | 170 | 3.3% | 4.5% | 0 | -0.2pp |
| Renting - Private | 1,162 | 21.1% | 22.6% | 1,246 | 24.1% | 22.7% | -84 | -3.0pp |
| Renting - Not stated | 10 | 0.2% | 0.2% | 79 | 1.5% | 0.7% | -69 | -1.3pp |
| Other tenure type | 304 | 5.5% | 2.3% | 47 | 0.9% | 1.0% | +257 | +4.6pp |
| Not stated | 97 | 1.8% | 1.7% | 145 | 2.8% | 3.0% | -48 | -1.0pp |
| Total households | 5,499 | 100.0% | 100.0% | 5,161 | 100.0% | 100.0% | +338 | 0.0pp |