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, $5000 and over was the most common mortgage repayment band among households with a mortgage in Northbridge (NSW), accounting for 45.5% (295 households). This share was higher than Willoughby (C) (27.5%).
Section overview
Monthly housing loan repayments
Northbridge (NSW) - Households (Enumerated)
This table summarises housing loan repayments for Northbridge (NSW) in 2021 for persons, with comparison against Willoughby (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Northbridge (NSW), with comparison markers for Willoughby (C).
$299 or less
2021 count
48
% of total
7.4%
48
7.4%
$300 - $599
2021 count
17
% of total
2.6%
17
2.6%
$600 - $999
2021 count
17
% of total
2.6%
17
2.6%
$1,000 - $1,199
2021 count
7
% of total
1.1%
7
1.1%
$1,200 - $1,399
2021 count
10
% of total
1.5%
10
1.5%
$1,400 - $1,599
2021 count
7
% of total
1.1%
7
1.1%
$1,600-$1,799
2021 count
15
% of total
2.3%
15
2.3%
$1,800 - $1,999
2021 count
10
% of total
1.5%
10
1.5%
$2,000 - $2,199
2021 count
32
% of total
4.9%
32
4.9%
$2,200 - $2,399
2021 count
3
% of total
0.5%
3
0.5%
$2,400-$2,599
2021 count
12
% of total
1.9%
12
1.9%
$2,600-$2,999
2021 count
10
% of total
1.5%
10
1.5%
$3,000-$3,999
2021 count
59
% of total
9.1%
59
9.1%
$4,000-$4,999
2021 count
64
% of total
9.9%
64
9.9%
$5000 and over
2021 count
295
% of total
45.5%
295
45.5%
Not stated
2021 count
42
% of total
6.5%
42
6.5%
Data table
Housing loan repayments for Northbridge (NSW). Monthly housing loan repayments. 2021 counts and percentages compared with Willoughby (C).
| Category | 2021 count | 2021 % | Willoughby (C) % |
|---|---|---|---|
| $299 or less | 48 | 7.4% | 6.8% |
| $300 - $599 | 17 | 2.6% | 1.5% |
| $600 - $999 | 17 | 2.6% | 3.0% |
| $1,000 - $1,199 | 7 | 1.1% | 2.4% |
| $1,200 - $1,399 | 10 | 1.5% | 2.6% |
| $1,400 - $1,599 | 7 | 1.1% | 2.2% |
| $1,600-$1,799 | 15 | 2.3% | 2.5% |
| $1,800 - $1,999 | 10 | 1.5% | 2.2% |
| $2,000 - $2,199 | 32 | 4.9% | 5.9% |
| $2,200 - $2,399 | 3 | 0.5% | 2.5% |
| $2,400-$2,599 | 12 | 1.9% | 2.9% |
| $2,600-$2,999 | 10 | 1.5% | 5.5% |
| $3,000-$3,999 | 59 | 9.1% | 14.4% |
| $4,000-$4,999 | 64 | 9.9% | 11.5% |
| $5000 and over | 295 | 45.5% | 27.5% |
| Not stated | 42 | 6.5% | 6.6% |
| Total | 648 | 100.0% | 100.0% |