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 Willoughby (NSW), accounting for 30.7% (262 households). This share was higher than Willoughby (C) (27.5%).
Section overview
Monthly housing loan repayments
Willoughby (NSW) - Households (Enumerated)
This table summarises housing loan repayments for Willoughby (NSW) in 2021 for persons, with comparison against Willoughby (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Willoughby (NSW), with comparison markers for Willoughby (C).
$299 or less
2021 count
50
% of total
5.9%
50
5.9%
$300 - $599
2021 count
16
% of total
1.9%
16
1.9%
$600 - $999
2021 count
24
% of total
2.8%
24
2.8%
$1,000 - $1,199
2021 count
13
% of total
1.5%
13
1.5%
$1,200 - $1,399
2021 count
25
% of total
2.9%
25
2.9%
$1,400 - $1,599
2021 count
16
% of total
1.9%
16
1.9%
$1,600-$1,799
2021 count
16
% of total
1.9%
16
1.9%
$1,800 - $1,999
2021 count
19
% of total
2.2%
19
2.2%
$2,000 - $2,199
2021 count
39
% of total
4.6%
39
4.6%
$2,200 - $2,399
2021 count
17
% of total
2.0%
17
2.0%
$2,400-$2,599
2021 count
20
% of total
2.3%
20
2.3%
$2,600-$2,999
2021 count
53
% of total
6.2%
53
6.2%
$3,000-$3,999
2021 count
130
% of total
15.2%
130
15.2%
$4,000-$4,999
2021 count
103
% of total
12.1%
103
12.1%
$5000 and over
2021 count
262
% of total
30.7%
262
30.7%
Not stated
2021 count
50
% of total
5.9%
50
5.9%
Data table
Housing loan repayments for Willoughby (NSW). Monthly housing loan repayments. 2021 counts and percentages compared with Willoughby (C).
| Category | 2021 count | 2021 % | Willoughby (C) % |
|---|---|---|---|
| $299 or less | 50 | 5.9% | 6.8% |
| $300 - $599 | 16 | 1.9% | 1.5% |
| $600 - $999 | 24 | 2.8% | 3.0% |
| $1,000 - $1,199 | 13 | 1.5% | 2.4% |
| $1,200 - $1,399 | 25 | 2.9% | 2.6% |
| $1,400 - $1,599 | 16 | 1.9% | 2.2% |
| $1,600-$1,799 | 16 | 1.9% | 2.5% |
| $1,800 - $1,999 | 19 | 2.2% | 2.2% |
| $2,000 - $2,199 | 39 | 4.6% | 5.9% |
| $2,200 - $2,399 | 17 | 2.0% | 2.5% |
| $2,400-$2,599 | 20 | 2.3% | 2.9% |
| $2,600-$2,999 | 53 | 6.2% | 5.5% |
| $3,000-$3,999 | 130 | 15.2% | 14.4% |
| $4,000-$4,999 | 103 | 12.1% | 11.5% |
| $5000 and over | 262 | 30.7% | 27.5% |
| Not stated | 50 | 5.9% | 6.6% |
| Total | 853 | 100.0% | 100.0% |