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, 75.6% of households in Upper Lachlan Shire (A) were purchasing or had fully paid off their home, while 11.8% were renting. The mortgage share was lower than Regional NSW (29.4%).
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
1,679
% of total
46.7%
Change from 2016
+2.5pp
1,679
46.7%
+2.5pp
Mortgage
2021 count
1,039
% of total
28.9%
Change from 2016
+0.1pp
1,039
28.9%
+0.1pp
Renting - Total
2021 count
425
% of total
11.8%
Change from 2016
-4.4pp
425
11.8%
-4.4pp
Renting - Social housing
2021 count
25
% of total
0.7%
Change from 2016
-0.5pp
25
0.7%
-0.5pp
Renting - Private
2021 count
394
% of total
11.0%
Change from 2016
-2.2pp
394
11.0%
-2.2pp
Renting - Not stated
2021 count
0
% of total
0.0%
Change from 2016
-1.5pp
0
0.0%
-1.5pp
Other tenure type
2021 count
152
% of total
4.2%
Change from 2016
+3.1pp
152
4.2%
+3.1pp
Not stated
2021 count
296
% of total
8.2%
Change from 2016
-1.2pp
296
8.2%
-1.2pp
Chart view
Housing tenure change
Absolute change in category counts between 2016 and 2021.
Fully owned
+272
+2.5pp
Mortgage
+124
+0.1pp
Renting - Total
-90
-4.4pp
Renting - Social housing
-13
-0.5pp
Renting - Private
-27
-2.2pp
Renting - Not stated
-49
-1.5pp
Other tenure type
+118
+3.1pp
Not stated
-3
-1.2pp
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 | 1,679 | 46.7% | 36.3% | 1,407 | 44.2% | 35.5% | +272 | +2.5pp |
| Mortgage | 1,039 | 28.9% | 29.4% | 915 | 28.8% | 28.6% | +124 | +0.1pp |
| Renting - Total | 425 | 11.8% | 25.7% | 515 | 16.2% | 26.5% | -90 | -4.4pp |
| Renting - Social housing | 25 | 0.7% | 3.8% | 38 | 1.2% | 4.2% | -13 | -0.5pp |
| Renting - Private | 394 | 11.0% | 21.7% | 421 | 13.2% | 21.6% | -27 | -2.2pp |
| Renting - Not stated | 0 | 0.0% | 0.2% | 49 | 1.5% | 0.7% | -49 | -1.5pp |
| Other tenure type | 152 | 4.2% | 2.3% | 34 | 1.1% | 1.0% | +118 | +3.1pp |
| Not stated | 296 | 8.2% | 6.4% | 299 | 9.4% | 8.4% | -3 | -1.2pp |
| Total households | 3,595 | 100.0% | 100.0% | 3,180 | 100.0% | 100.0% | +415 | 0.0pp |