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 Chinchilla, accounting for 18.2% (124 households). This share was higher than Western Downs (R) (17.2%).
Section overview
Monthly housing loan repayments
Chinchilla - Households (Enumerated)
This table summarises housing loan repayments for Chinchilla in 2021 for persons, with comparison against Western Downs (R).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Chinchilla, with comparison markers for Western Downs (R).
$299 or less
2021 count
19
% of total
2.8%
19
2.8%
$300 - $599
2021 count
49
% of total
7.2%
49
7.2%
$600 - $999
2021 count
124
% of total
18.2%
124
18.2%
$1,000 - $1,199
2021 count
79
% of total
11.6%
79
11.6%
$1,200 - $1,399
2021 count
86
% of total
12.6%
86
12.6%
$1,400 - $1,599
2021 count
73
% of total
10.7%
73
10.7%
$1,600-$1,799
2021 count
58
% of total
8.5%
58
8.5%
$1,800 - $1,999
2021 count
30
% of total
4.4%
30
4.4%
$2,000 - $2,199
2021 count
49
% of total
7.2%
49
7.2%
$2,200 - $2,399
2021 count
14
% of total
2.0%
14
2.0%
$2,400-$2,599
2021 count
9
% of total
1.3%
9
1.3%
$2,600-$2,999
2021 count
32
% of total
4.7%
32
4.7%
$3,000-$3,999
2021 count
19
% of total
2.8%
19
2.8%
$4,000-$4,999
2021 count
14
% of total
2.0%
14
2.0%
$5000 and over
2021 count
6
% of total
0.9%
6
0.9%
Not stated
2021 count
22
% of total
3.2%
22
3.2%
Data table
Housing loan repayments for Chinchilla. Monthly housing loan repayments. 2021 counts and percentages compared with Western Downs (R).
| Category | 2021 count | 2021 % | Western Downs (R) % |
|---|---|---|---|
| $299 or less | 19 | 2.8% | 7.9% |
| $300 - $599 | 49 | 7.2% | 7.6% |
| $600 - $999 | 124 | 18.2% | 17.2% |
| $1,000 - $1,199 | 79 | 11.6% | 10.8% |
| $1,200 - $1,399 | 86 | 12.6% | 10.4% |
| $1,400 - $1,599 | 73 | 10.7% | 8.6% |
| $1,600-$1,799 | 58 | 8.5% | 7.7% |
| $1,800 - $1,999 | 30 | 4.4% | 4.0% |
| $2,000 - $2,199 | 49 | 7.2% | 6.6% |
| $2,200 - $2,399 | 14 | 2.0% | 2.2% |
| $2,400-$2,599 | 9 | 1.3% | 1.3% |
| $2,600-$2,999 | 32 | 4.7% | 2.5% |
| $3,000-$3,999 | 19 | 2.8% | 3.3% |
| $4,000-$4,999 | 14 | 2.0% | 1.7% |
| $5000 and over | 6 | 0.9% | 1.7% |
| Not stated | 22 | 3.2% | 6.5% |
| Total | 683 | 100.0% | 100.0% |