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 Western Downs (R), accounting for 17.2% (569 households). This share was higher than Regional Qld (9.8%).
Section overview
Monthly housing loan repayments
Western Downs (R) - Households (Enumerated)
This table summarises housing loan repayments for Western Downs (R) in 2021 for persons, with comparison against Regional Qld.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Western Downs (R), with comparison markers for Regional Qld.
$299 or less
2021 count
260
% of total
7.9%
260
7.9%
$300 - $599
2021 count
251
% of total
7.6%
251
7.6%
$600 - $999
2021 count
569
% of total
17.2%
569
17.2%
$1,000 - $1,199
2021 count
358
% of total
10.8%
358
10.8%
$1,200 - $1,399
2021 count
343
% of total
10.4%
343
10.4%
$1,400 - $1,599
2021 count
285
% of total
8.6%
285
8.6%
$1,600-$1,799
2021 count
255
% of total
7.7%
255
7.7%
$1,800 - $1,999
2021 count
131
% of total
4.0%
131
4.0%
$2,000 - $2,199
2021 count
219
% of total
6.6%
219
6.6%
$2,200 - $2,399
2021 count
73
% of total
2.2%
73
2.2%
$2,400-$2,599
2021 count
43
% of total
1.3%
43
1.3%
$2,600-$2,999
2021 count
83
% of total
2.5%
83
2.5%
$3,000-$3,999
2021 count
108
% of total
3.3%
108
3.3%
$4,000-$4,999
2021 count
56
% of total
1.7%
56
1.7%
$5000 and over
2021 count
57
% of total
1.7%
57
1.7%
Not stated
2021 count
214
% of total
6.5%
214
6.5%
Data table
Housing loan repayments for Western Downs (R). Monthly housing loan repayments. 2021 counts and percentages compared with Regional Qld.
| Category | 2021 count | 2021 % | Regional Qld % |
|---|---|---|---|
| $299 or less | 260 | 7.9% | 4.6% |
| $300 - $599 | 251 | 7.6% | 4.1% |
| $600 - $999 | 569 | 17.2% | 9.8% |
| $1,000 - $1,199 | 358 | 10.8% | 7.4% |
| $1,200 - $1,399 | 343 | 10.4% | 9.5% |
| $1,400 - $1,599 | 285 | 8.6% | 8.8% |
| $1,600-$1,799 | 255 | 7.7% | 9.8% |
| $1,800 - $1,999 | 131 | 4.0% | 6.7% |
| $2,000 - $2,199 | 219 | 6.6% | 10.0% |
| $2,200 - $2,399 | 73 | 2.2% | 4.0% |
| $2,400-$2,599 | 43 | 1.3% | 2.6% |
| $2,600-$2,999 | 83 | 2.5% | 6.0% |
| $3,000-$3,999 | 108 | 3.3% | 6.3% |
| $4,000-$4,999 | 56 | 1.7% | 2.3% |
| $5000 and over | 57 | 1.7% | 1.8% |
| Not stated | 214 | 6.5% | 6.3% |
| Total | 3,305 | 100.0% | 100.0% |