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 Wodonga, accounting for 14.2% (348 households). This share was higher than Wodonga (C) (11.7%).
Section overview
Monthly housing loan repayments
Wodonga - Households (Enumerated)
This table summarises housing loan repayments for Wodonga in 2021 for persons, with comparison against Wodonga (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Wodonga, with comparison markers for Wodonga (C).
$299 or less
2021 count
109
% of total
4.4%
109
4.4%
$300 - $599
2021 count
103
% of total
4.2%
103
4.2%
$600 - $999
2021 count
348
% of total
14.2%
348
14.2%
$1,000 - $1,199
2021 count
296
% of total
12.1%
296
12.1%
$1,200 - $1,399
2021 count
322
% of total
13.1%
322
13.1%
$1,400 - $1,599
2021 count
284
% of total
11.6%
284
11.6%
$1,600-$1,799
2021 count
244
% of total
10.0%
244
10.0%
$1,800 - $1,999
2021 count
140
% of total
5.7%
140
5.7%
$2,000 - $2,199
2021 count
177
% of total
7.2%
177
7.2%
$2,200 - $2,399
2021 count
59
% of total
2.4%
59
2.4%
$2,400-$2,599
2021 count
20
% of total
0.8%
20
0.8%
$2,600-$2,999
2021 count
82
% of total
3.3%
82
3.3%
$3,000-$3,999
2021 count
76
% of total
3.1%
76
3.1%
$4,000-$4,999
2021 count
40
% of total
1.6%
40
1.6%
$5000 and over
2021 count
13
% of total
0.5%
13
0.5%
Not stated
2021 count
138
% of total
5.6%
138
5.6%
Data table
Housing loan repayments for Wodonga. Monthly housing loan repayments. 2021 counts and percentages compared with Wodonga (C).
| Category | 2021 count | 2021 % | Wodonga (C) % |
|---|---|---|---|
| $299 or less | 109 | 4.4% | 3.9% |
| $300 - $599 | 103 | 4.2% | 4.2% |
| $600 - $999 | 348 | 14.2% | 11.7% |
| $1,000 - $1,199 | 296 | 12.1% | 10.2% |
| $1,200 - $1,399 | 322 | 13.1% | 13.4% |
| $1,400 - $1,599 | 284 | 11.6% | 12.4% |
| $1,600-$1,799 | 244 | 10.0% | 11.3% |
| $1,800 - $1,999 | 140 | 5.7% | 6.3% |
| $2,000 - $2,199 | 177 | 7.2% | 8.2% |
| $2,200 - $2,399 | 59 | 2.4% | 2.5% |
| $2,400-$2,599 | 20 | 0.8% | 1.0% |
| $2,600-$2,999 | 82 | 3.3% | 3.9% |
| $3,000-$3,999 | 76 | 3.1% | 3.7% |
| $4,000-$4,999 | 40 | 1.6% | 1.4% |
| $5000 and over | 13 | 0.5% | 0.8% |
| Not stated | 138 | 5.6% | 5.0% |
| Total | 2,451 | 100.0% | 100.0% |