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, 81.2% of households in Upper Lachlan Shire (A) were purchasing or had fully paid off their home, while 12.6% were renting. The mortgage share was similar to Regional NSW (31.2%).
Section overview
Housing tenure
Upper Lachlan Shire (A) - Households (Enumerated)
This table summarises housing tenure for Upper Lachlan Shire (A) in 2021 for persons, with comparison against Regional NSW and change since 2016.
Housing tenure snapshot
2021 distribution by category for Upper Lachlan Shire (A), with comparison markers for Regional NSW.
Fully owned
2021 count
1,620
% of total
49.9%
Change from 2016
+2.4pp
1,620
49.9%
+2.4pp
Mortgage
2021 count
1,018
% of total
31.3%
Change from 2016
0.0pp
1,018
31.3%
0.0pp
Renting - Total
2021 count
410
% of total
12.6%
Change from 2016
-4.7pp
410
12.6%
-4.7pp
Renting - Social housing
2021 count
23
% of total
0.7%
Change from 2016
-0.6pp
23
0.7%
-0.6pp
Renting - Private
2021 count
383
% of total
11.8%
Change from 2016
-2.3pp
383
11.8%
-2.3pp
Renting - Not stated
2021 count
0
% of total
0.0%
Change from 2016
-1.7pp
0
0.0%
-1.7pp
Other tenure type
2021 count
139
% of total
4.3%
Change from 2016
+3.4pp
139
4.3%
+3.4pp
Not stated
2021 count
55
% of total
1.7%
Change from 2016
-1.3pp
55
1.7%
-1.3pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
+238
+2.4pp
Mortgage
+106
0.0pp
Renting - Total
-94
-4.7pp
Renting - Social housing
-15
-0.6pp
Renting - Private
-28
-2.3pp
Renting - Not stated
-49
-1.7pp
Other tenure type
+112
+3.4pp
Not stated
-32
-1.3pp
Data table
Housing tenure for Upper Lachlan 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 | 1,620 | 49.9% | 38.0% | 1,382 | 47.5% | 37.4% | +238 | +2.4pp |
| Mortgage | 1,018 | 31.3% | 31.2% | 912 | 31.3% | 30.6% | +106 | 0.0pp |
| Renting - Total | 410 | 12.6% | 26.8% | 504 | 17.3% | 27.9% | -94 | -4.7pp |
| Renting - Social housing | 23 | 0.7% | 4.0% | 38 | 1.3% | 4.5% | -15 | -0.6pp |
| Renting - Private | 383 | 11.8% | 22.6% | 411 | 14.1% | 22.7% | -28 | -2.3pp |
| Renting - Not stated | 0 | 0.0% | 0.2% | 49 | 1.7% | 0.7% | -49 | -1.7pp |
| Other tenure type | 139 | 4.3% | 2.3% | 27 | 0.9% | 1.0% | +112 | +3.4pp |
| Not stated | 55 | 1.7% | 1.7% | 87 | 3.0% | 3.0% | -32 | -1.3pp |
| Total households | 3,249 | 100.0% | 100.0% | 2,912 | 100.0% | 100.0% | +337 | 0.0pp |