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 Warrnambool (part), accounting for 13.9% (530 households). This share was higher than Warrnambool (C) (13.6%).
Section overview
Monthly housing loan repayments
Warrnambool (part) - Households (Enumerated)
This table summarises housing loan repayments for Warrnambool (part) in 2021 for persons, with comparison against Warrnambool (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Warrnambool (part), with comparison markers for Warrnambool (C).
$299 or less
2021 count
175
% of total
4.6%
175
4.6%
$300 - $599
2021 count
162
% of total
4.2%
162
4.2%
$600 - $999
2021 count
499
% of total
13.1%
499
13.1%
$1,000 - $1,199
2021 count
405
% of total
10.6%
405
10.6%
$1,200 - $1,399
2021 count
530
% of total
13.9%
530
13.9%
$1,400 - $1,599
2021 count
414
% of total
10.8%
414
10.8%
$1,600-$1,799
2021 count
422
% of total
11.1%
422
11.1%
$1,800 - $1,999
2021 count
229
% of total
6.0%
229
6.0%
$2,000 - $2,199
2021 count
305
% of total
8.0%
305
8.0%
$2,200 - $2,399
2021 count
89
% of total
2.3%
89
2.3%
$2,400-$2,599
2021 count
58
% of total
1.5%
58
1.5%
$2,600-$2,999
2021 count
117
% of total
3.1%
117
3.1%
$3,000-$3,999
2021 count
128
% of total
3.4%
128
3.4%
$4,000-$4,999
2021 count
39
% of total
1.0%
39
1.0%
$5000 and over
2021 count
44
% of total
1.2%
44
1.2%
Not stated
2021 count
203
% of total
5.3%
203
5.3%
Data table
Housing loan repayments for Warrnambool (part). Monthly housing loan repayments. 2021 counts and percentages compared with Warrnambool (C).
| Category | 2021 count | 2021 % | Warrnambool (C) % |
|---|---|---|---|
| $299 or less | 175 | 4.6% | 4.5% |
| $300 - $599 | 162 | 4.2% | 4.2% |
| $600 - $999 | 499 | 13.1% | 12.6% |
| $1,000 - $1,199 | 405 | 10.6% | 10.9% |
| $1,200 - $1,399 | 530 | 13.9% | 13.6% |
| $1,400 - $1,599 | 414 | 10.8% | 11.3% |
| $1,600-$1,799 | 422 | 11.1% | 11.4% |
| $1,800 - $1,999 | 229 | 6.0% | 5.9% |
| $2,000 - $2,199 | 305 | 8.0% | 7.9% |
| $2,200 - $2,399 | 89 | 2.3% | 2.3% |
| $2,400-$2,599 | 58 | 1.5% | 1.3% |
| $2,600-$2,999 | 117 | 3.1% | 3.1% |
| $3,000-$3,999 | 128 | 3.4% | 3.4% |
| $4,000-$4,999 | 39 | 1.0% | 1.1% |
| $5000 and over | 44 | 1.2% | 1.1% |
| Not stated | 203 | 5.3% | 5.5% |
| Total | 3,819 | 100.0% | 100.0% |