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, $3,000-$3,999 was the most common mortgage repayment band among households with a mortgage in Wingecarribee (A), accounting for 12% (801 households). This share was higher than Regional NSW (7.5%).
Section overview
Monthly housing loan repayments
Wingecarribee (A) - Households (Enumerated)
This table summarises housing loan repayments for Wingecarribee (A) in 2021 for persons, with comparison against Regional NSW.
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Wingecarribee (A), with comparison markers for Regional NSW.
$299 or less
2021 count
355
% of total
5.3%
355
5.3%
$300 - $599
2021 count
204
% of total
3.1%
204
3.1%
$600 - $999
2021 count
384
% of total
5.8%
384
5.8%
$1,000 - $1,199
2021 count
264
% of total
4.0%
264
4.0%
$1,200 - $1,399
2021 count
373
% of total
5.6%
373
5.6%
$1,400 - $1,599
2021 count
371
% of total
5.6%
371
5.6%
$1,600-$1,799
2021 count
425
% of total
6.4%
425
6.4%
$1,800 - $1,999
2021 count
398
% of total
6.0%
398
6.0%
$2,000 - $2,199
2021 count
674
% of total
10.1%
674
10.1%
$2,200 - $2,399
2021 count
356
% of total
5.3%
356
5.3%
$2,400-$2,599
2021 count
274
% of total
4.1%
274
4.1%
$2,600-$2,999
2021 count
621
% of total
9.3%
621
9.3%
$3,000-$3,999
2021 count
801
% of total
12.0%
801
12.0%
$4,000-$4,999
2021 count
350
% of total
5.2%
350
5.2%
$5000 and over
2021 count
414
% of total
6.2%
414
6.2%
Not stated
2021 count
410
% of total
6.1%
410
6.1%
Data table
Housing loan repayments for Wingecarribee (A). Monthly housing loan repayments. 2021 counts and percentages compared with Regional NSW.
| Category | 2021 count | 2021 % | Regional NSW % |
|---|---|---|---|
| $299 or less | 355 | 5.3% | 4.9% |
| $300 - $599 | 204 | 3.1% | 4.3% |
| $600 - $999 | 384 | 5.8% | 9.7% |
| $1,000 - $1,199 | 264 | 4.0% | 7.0% |
| $1,200 - $1,399 | 373 | 5.6% | 8.8% |
| $1,400 - $1,599 | 371 | 5.6% | 7.9% |
| $1,600-$1,799 | 425 | 6.4% | 9.1% |
| $1,800 - $1,999 | 398 | 6.0% | 6.4% |
| $2,000 - $2,199 | 674 | 10.1% | 10.0% |
| $2,200 - $2,399 | 356 | 5.3% | 4.2% |
| $2,400-$2,599 | 274 | 4.1% | 2.8% |
| $2,600-$2,999 | 621 | 9.3% | 7.0% |
| $3,000-$3,999 | 801 | 12.0% | 7.5% |
| $4,000-$4,999 | 350 | 5.2% | 2.7% |
| $5000 and over | 414 | 6.2% | 2.1% |
| Not stated | 410 | 6.1% | 5.7% |
| Total | 6,674 | 100.0% | 100.0% |