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, $600 to $999 was the most common mortgage repayment band among households with a mortgage in Wangaratta (RC), accounting for 15.2% (578 households). This share was higher than Regional Vic. (13.8%).
Section overview
Monthly housing loan repayments
Wangaratta (RC) - Households (Enumerated)
This table summarises housing loan repayments for Wangaratta (RC) in 2021 for persons, with comparison against Regional Vic..
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Wangaratta (RC), with comparison markers for Regional Vic..
$299 or less
2021 count
168
% of total
4.4%
168
4.4%
$300 - $599
2021 count
202
% of total
5.3%
202
5.3%
$600 - $999
2021 count
578
% of total
15.2%
578
15.2%
$1,000 - $1,199
2021 count
426
% of total
11.2%
426
11.2%
$1,200 - $1,399
2021 count
471
% of total
12.4%
471
12.4%
$1,400 - $1,599
2021 count
380
% of total
10.0%
380
10.0%
$1,600-$1,799
2021 count
374
% of total
9.9%
374
9.9%
$1,800 - $1,999
2021 count
193
% of total
5.1%
193
5.1%
$2,000 - $2,199
2021 count
286
% of total
7.5%
286
7.5%
$2,200 - $2,399
2021 count
78
% of total
2.1%
78
2.1%
$2,400-$2,599
2021 count
49
% of total
1.3%
49
1.3%
$2,600-$2,999
2021 count
107
% of total
2.8%
107
2.8%
$3,000-$3,999
2021 count
139
% of total
3.7%
139
3.7%
$4,000-$4,999
2021 count
56
% of total
1.5%
56
1.5%
$5000 and over
2021 count
40
% of total
1.1%
40
1.1%
Not stated
2021 count
246
% of total
6.5%
246
6.5%
Data table
Housing loan repayments for Wangaratta (RC). Monthly housing loan repayments. 2021 counts and percentages compared with Regional Vic..
| Category | 2021 count | 2021 % | Regional Vic. % |
|---|---|---|---|
| $299 or less | 168 | 4.4% | 4.9% |
| $300 - $599 | 202 | 5.3% | 5.8% |
| $600 - $999 | 578 | 15.2% | 13.8% |
| $1,000 - $1,199 | 426 | 11.2% | 9.6% |
| $1,200 - $1,399 | 471 | 12.4% | 11.2% |
| $1,400 - $1,599 | 380 | 10.0% | 9.5% |
| $1,600-$1,799 | 374 | 9.9% | 9.4% |
| $1,800 - $1,999 | 193 | 5.1% | 5.7% |
| $2,000 - $2,199 | 286 | 7.5% | 8.0% |
| $2,200 - $2,399 | 78 | 2.1% | 2.8% |
| $2,400-$2,599 | 49 | 1.3% | 1.9% |
| $2,600-$2,999 | 107 | 2.8% | 4.1% |
| $3,000-$3,999 | 139 | 3.7% | 4.4% |
| $4,000-$4,999 | 56 | 1.5% | 1.7% |
| $5000 and over | 40 | 1.1% | 1.4% |
| Not stated | 246 | 6.5% | 5.9% |
| Total | 3,793 | 100.0% | 100.0% |