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 Whyalla (C), accounting for 24.8% (692 households). This share was higher than Regional SA (21.9%).
Section overview
Monthly housing loan repayments
Whyalla (C) - Households (Enumerated)
This table summarises housing loan repayments for Whyalla (C) in 2021 for persons, with comparison against Regional SA.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Whyalla (C), with comparison markers for Regional SA.
$299 or less
2021 count
132
% of total
4.7%
132
4.7%
$300 - $599
2021 count
294
% of total
10.5%
294
10.5%
$600 - $999
2021 count
692
% of total
24.8%
692
24.8%
$1,000 - $1,199
2021 count
394
% of total
14.1%
394
14.1%
$1,200 - $1,399
2021 count
303
% of total
10.8%
303
10.8%
$1,400 - $1,599
2021 count
204
% of total
7.3%
204
7.3%
$1,600-$1,799
2021 count
187
% of total
6.7%
187
6.7%
$1,800 - $1,999
2021 count
101
% of total
3.6%
101
3.6%
$2,000 - $2,199
2021 count
145
% of total
5.2%
145
5.2%
$2,200 - $2,399
2021 count
41
% of total
1.5%
41
1.5%
$2,400-$2,599
2021 count
15
% of total
0.5%
15
0.5%
$2,600-$2,999
2021 count
65
% of total
2.3%
65
2.3%
$3,000-$3,999
2021 count
56
% of total
2.0%
56
2.0%
$4,000-$4,999
2021 count
17
% of total
0.6%
17
0.6%
$5000 and over
2021 count
5
% of total
0.2%
5
0.2%
Not stated
2021 count
144
% of total
5.2%
144
5.2%
Data table
Housing loan repayments for Whyalla (C). Monthly housing loan repayments. 2021 counts and percentages compared with Regional SA.
| Category | 2021 count | 2021 % | Regional SA % |
|---|---|---|---|
| $299 or less | 132 | 4.7% | 5.8% |
| $300 - $599 | 294 | 10.5% | 9.6% |
| $600 - $999 | 692 | 24.8% | 21.9% |
| $1,000 - $1,199 | 394 | 14.1% | 12.2% |
| $1,200 - $1,399 | 303 | 10.8% | 11.7% |
| $1,400 - $1,599 | 204 | 7.3% | 8.7% |
| $1,600-$1,799 | 187 | 6.7% | 7.4% |
| $1,800 - $1,999 | 101 | 3.6% | 3.8% |
| $2,000 - $2,199 | 145 | 5.2% | 5.1% |
| $2,200 - $2,399 | 41 | 1.5% | 1.6% |
| $2,400-$2,599 | 15 | 0.5% | 1.0% |
| $2,600-$2,999 | 65 | 2.3% | 2.1% |
| $3,000-$3,999 | 56 | 2.0% | 2.3% |
| $4,000-$4,999 | 17 | 0.6% | 0.9% |
| $5000 and over | 5 | 0.2% | 0.8% |
| Not stated | 144 | 5.2% | 5.2% |
| Total | 2,795 | 100.0% | 100.0% |