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 Waroona (S), accounting for 12.1% (70 households). This share was higher than Regional WA (10.8%).
Section overview
Monthly housing loan repayments
Waroona (S) - Households (Enumerated)
This table summarises housing loan repayments for Waroona (S) in 2021 for persons, with comparison against Regional WA.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Waroona (S), with comparison markers for Regional WA.
$299 or less
2021 count
25
% of total
4.3%
25
4.3%
$300 - $599
2021 count
21
% of total
3.6%
21
3.6%
$600 - $999
2021 count
70
% of total
12.1%
70
12.1%
$1,000 - $1,199
2021 count
44
% of total
7.6%
44
7.6%
$1,200 - $1,399
2021 count
52
% of total
9.0%
52
9.0%
$1,400 - $1,599
2021 count
50
% of total
8.6%
50
8.6%
$1,600-$1,799
2021 count
65
% of total
11.2%
65
11.2%
$1,800 - $1,999
2021 count
36
% of total
6.2%
36
6.2%
$2,000 - $2,199
2021 count
53
% of total
9.1%
53
9.1%
$2,200 - $2,399
2021 count
23
% of total
4.0%
23
4.0%
$2,400-$2,599
2021 count
12
% of total
2.1%
12
2.1%
$2,600-$2,999
2021 count
37
% of total
6.4%
37
6.4%
$3,000-$3,999
2021 count
39
% of total
6.7%
39
6.7%
$4,000-$4,999
2021 count
11
% of total
1.9%
11
1.9%
$5000 and over
2021 count
5
% of total
0.9%
5
0.9%
Not stated
2021 count
37
% of total
6.4%
37
6.4%
Data table
Housing loan repayments for Waroona (S). Monthly housing loan repayments. 2021 counts and percentages compared with Regional WA.
| Category | 2021 count | 2021 % | Regional WA % |
|---|---|---|---|
| $299 or less | 25 | 4.3% | 5.0% |
| $300 - $599 | 21 | 3.6% | 4.8% |
| $600 - $999 | 70 | 12.1% | 10.8% |
| $1,000 - $1,199 | 44 | 7.6% | 8.2% |
| $1,200 - $1,399 | 52 | 9.0% | 9.6% |
| $1,400 - $1,599 | 50 | 8.6% | 9.3% |
| $1,600-$1,799 | 65 | 11.2% | 9.7% |
| $1,800 - $1,999 | 36 | 6.2% | 6.3% |
| $2,000 - $2,199 | 53 | 9.1% | 9.7% |
| $2,200 - $2,399 | 23 | 4.0% | 3.6% |
| $2,400-$2,599 | 12 | 2.1% | 2.3% |
| $2,600-$2,999 | 37 | 6.4% | 5.2% |
| $3,000-$3,999 | 39 | 6.7% | 5.8% |
| $4,000-$4,999 | 11 | 1.9% | 2.2% |
| $5000 and over | 5 | 0.9% | 1.6% |
| Not stated | 37 | 6.4% | 5.7% |
| Total | 580 | 100.0% | 100.0% |