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, $1,200 - $1,399 was the most common mortgage repayment band among households with a mortgage in Wagga Wagga (C), accounting for 13.1% (1,115 households). This share was higher than Regional NSW (8.8%).
Section overview
Monthly housing loan repayments
Wagga Wagga (C) - Households (Enumerated)
This table summarises housing loan repayments for Wagga Wagga (C) in 2021 for persons, with comparison against Regional NSW.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Wagga Wagga (C), with comparison markers for Regional NSW.
$299 or less
2021 count
308
% of total
3.6%
308
3.6%
$300 - $599
2021 count
295
% of total
3.5%
295
3.5%
$600 - $999
2021 count
861
% of total
10.1%
861
10.1%
$1,000 - $1,199
2021 count
821
% of total
9.7%
821
9.7%
$1,200 - $1,399
2021 count
1,115
% of total
13.1%
1,115
13.1%
$1,400 - $1,599
2021 count
919
% of total
10.8%
919
10.8%
$1,600-$1,799
2021 count
934
% of total
11.0%
934
11.0%
$1,800 - $1,999
2021 count
584
% of total
6.9%
584
6.9%
$2,000 - $2,199
2021 count
737
% of total
8.7%
737
8.7%
$2,200 - $2,399
2021 count
244
% of total
2.9%
244
2.9%
$2,400-$2,599
2021 count
121
% of total
1.4%
121
1.4%
$2,600-$2,999
2021 count
374
% of total
4.4%
374
4.4%
$3,000-$3,999
2021 count
422
% of total
5.0%
422
5.0%
$4,000-$4,999
2021 count
155
% of total
1.8%
155
1.8%
$5000 and over
2021 count
135
% of total
1.6%
135
1.6%
Not stated
2021 count
467
% of total
5.5%
467
5.5%
Data table
Housing loan repayments for Wagga Wagga (C). Monthly housing loan repayments. 2021 counts and percentages compared with Regional NSW.
| Category | 2021 count | 2021 % | Regional NSW % |
|---|---|---|---|
| $299 or less | 308 | 3.6% | 4.9% |
| $300 - $599 | 295 | 3.5% | 4.3% |
| $600 - $999 | 861 | 10.1% | 9.7% |
| $1,000 - $1,199 | 821 | 9.7% | 7.0% |
| $1,200 - $1,399 | 1,115 | 13.1% | 8.8% |
| $1,400 - $1,599 | 919 | 10.8% | 7.9% |
| $1,600-$1,799 | 934 | 11.0% | 9.1% |
| $1,800 - $1,999 | 584 | 6.9% | 6.4% |
| $2,000 - $2,199 | 737 | 8.7% | 10.0% |
| $2,200 - $2,399 | 244 | 2.9% | 4.2% |
| $2,400-$2,599 | 121 | 1.4% | 2.8% |
| $2,600-$2,999 | 374 | 4.4% | 7.0% |
| $3,000-$3,999 | 422 | 5.0% | 7.5% |
| $4,000-$4,999 | 155 | 1.8% | 2.7% |
| $5000 and over | 135 | 1.6% | 2.1% |
| Not stated | 467 | 5.5% | 5.7% |
| Total | 8,492 | 100.0% | 100.0% |