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, $1,200 - $1,399 was the most common mortgage repayment band among households with a mortgage in West Wodonga, accounting for 16.2% (319 households). This share was higher than Wodonga (C) (13.4%).
Section overview
Monthly housing loan repayments
West Wodonga - Households (Enumerated)
This table summarises housing loan repayments for West Wodonga in 2021 for persons, with comparison against Wodonga (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for West Wodonga, with comparison markers for Wodonga (C).
$299 or less
2021 count
85
% of total
4.3%
85
4.3%
$300 - $599
2021 count
97
% of total
4.9%
97
4.9%
$600 - $999
2021 count
243
% of total
12.3%
243
12.3%
$1,000 - $1,199
2021 count
226
% of total
11.5%
226
11.5%
$1,200 - $1,399
2021 count
319
% of total
16.2%
319
16.2%
$1,400 - $1,599
2021 count
244
% of total
12.4%
244
12.4%
$1,600-$1,799
2021 count
199
% of total
10.1%
199
10.1%
$1,800 - $1,999
2021 count
111
% of total
5.6%
111
5.6%
$2,000 - $2,199
2021 count
150
% of total
7.6%
150
7.6%
$2,200 - $2,399
2021 count
34
% of total
1.7%
34
1.7%
$2,400-$2,599
2021 count
17
% of total
0.9%
17
0.9%
$2,600-$2,999
2021 count
55
% of total
2.8%
55
2.8%
$3,000-$3,999
2021 count
66
% of total
3.3%
66
3.3%
$4,000-$4,999
2021 count
19
% of total
1.0%
19
1.0%
$5000 and over
2021 count
16
% of total
0.8%
16
0.8%
Not stated
2021 count
91
% of total
4.6%
91
4.6%
Data table
Housing loan repayments for West Wodonga. Monthly housing loan repayments. 2021 counts and percentages compared with Wodonga (C).
| Category | 2021 count | 2021 % | Wodonga (C) % |
|---|---|---|---|
| $299 or less | 85 | 4.3% | 3.9% |
| $300 - $599 | 97 | 4.9% | 4.2% |
| $600 - $999 | 243 | 12.3% | 11.7% |
| $1,000 - $1,199 | 226 | 11.5% | 10.2% |
| $1,200 - $1,399 | 319 | 16.2% | 13.4% |
| $1,400 - $1,599 | 244 | 12.4% | 12.4% |
| $1,600-$1,799 | 199 | 10.1% | 11.3% |
| $1,800 - $1,999 | 111 | 5.6% | 6.3% |
| $2,000 - $2,199 | 150 | 7.6% | 8.2% |
| $2,200 - $2,399 | 34 | 1.7% | 2.5% |
| $2,400-$2,599 | 17 | 0.9% | 1.0% |
| $2,600-$2,999 | 55 | 2.8% | 3.9% |
| $3,000-$3,999 | 66 | 3.3% | 3.7% |
| $4,000-$4,999 | 19 | 1.0% | 1.4% |
| $5000 and over | 16 | 0.8% | 0.8% |
| Not stated | 91 | 4.6% | 5.0% |
| Total | 1,972 | 100.0% | 100.0% |