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, $2,000 - $2,199 was the most common mortgage repayment band among households with a mortgage in Werribee, accounting for 11.5% (784 households). This share was lower than Wyndham (C) (14.3%).
Section overview
Monthly housing loan repayments
Werribee - Households (Enumerated)
This table summarises housing loan repayments for Werribee in 2021 for persons, with comparison against Wyndham (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Werribee, with comparison markers for Wyndham (C).
$299 or less
2021 count
272
% of total
4.0%
272
4.0%
$300 - $599
2021 count
235
% of total
3.4%
235
3.4%
$600 - $999
2021 count
533
% of total
7.8%
533
7.8%
$1,000 - $1,199
2021 count
390
% of total
5.7%
390
5.7%
$1,200 - $1,399
2021 count
615
% of total
9.0%
615
9.0%
$1,400 - $1,599
2021 count
733
% of total
10.7%
733
10.7%
$1,600-$1,799
2021 count
728
% of total
10.7%
728
10.7%
$1,800 - $1,999
2021 count
612
% of total
9.0%
612
9.0%
$2,000 - $2,199
2021 count
784
% of total
11.5%
784
11.5%
$2,200 - $2,399
2021 count
368
% of total
5.4%
368
5.4%
$2,400-$2,599
2021 count
233
% of total
3.4%
233
3.4%
$2,600-$2,999
2021 count
378
% of total
5.5%
378
5.5%
$3,000-$3,999
2021 count
337
% of total
4.9%
337
4.9%
$4,000-$4,999
2021 count
107
% of total
1.6%
107
1.6%
$5000 and over
2021 count
65
% of total
1.0%
65
1.0%
Not stated
2021 count
443
% of total
6.5%
443
6.5%
Data table
Housing loan repayments for Werribee. Monthly housing loan repayments. 2021 counts and percentages compared with Wyndham (C).
| Category | 2021 count | 2021 % | Wyndham (C) % |
|---|---|---|---|
| $299 or less | 272 | 4.0% | 3.4% |
| $300 - $599 | 235 | 3.4% | 2.0% |
| $600 - $999 | 533 | 7.8% | 4.6% |
| $1,000 - $1,199 | 390 | 5.7% | 4.1% |
| $1,200 - $1,399 | 615 | 9.0% | 6.6% |
| $1,400 - $1,599 | 733 | 10.7% | 8.6% |
| $1,600-$1,799 | 728 | 10.7% | 10.4% |
| $1,800 - $1,999 | 612 | 9.0% | 9.9% |
| $2,000 - $2,199 | 784 | 11.5% | 14.3% |
| $2,200 - $2,399 | 368 | 5.4% | 7.2% |
| $2,400-$2,599 | 233 | 3.4% | 5.4% |
| $2,600-$2,999 | 378 | 5.5% | 6.1% |
| $3,000-$3,999 | 337 | 4.9% | 6.8% |
| $4,000-$4,999 | 107 | 1.6% | 2.0% |
| $5000 and over | 65 | 1.0% | 1.8% |
| Not stated | 443 | 6.5% | 6.7% |
| Total | 6,833 | 100.0% | 100.0% |