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, $1,600-$1,799 was the most common mortgage repayment band among households with a mortgage in Wyndham Vale, accounting for 13.6% (444 households). This share was higher than Wyndham (C) (10.4%).
Section overview
Monthly housing loan repayments
Wyndham Vale - Households (Enumerated)
This table summarises housing loan repayments for Wyndham Vale in 2021 for persons, with comparison against Wyndham (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Wyndham Vale, with comparison markers for Wyndham (C).
$299 or less
2021 count
92
% of total
2.8%
92
2.8%
$300 - $599
2021 count
73
% of total
2.2%
73
2.2%
$600 - $999
2021 count
194
% of total
6.0%
194
6.0%
$1,000 - $1,199
2021 count
187
% of total
5.7%
187
5.7%
$1,200 - $1,399
2021 count
294
% of total
9.0%
294
9.0%
$1,400 - $1,599
2021 count
379
% of total
11.6%
379
11.6%
$1,600-$1,799
2021 count
444
% of total
13.6%
444
13.6%
$1,800 - $1,999
2021 count
382
% of total
11.7%
382
11.7%
$2,000 - $2,199
2021 count
443
% of total
13.6%
443
13.6%
$2,200 - $2,399
2021 count
174
% of total
5.3%
174
5.3%
$2,400-$2,599
2021 count
93
% of total
2.9%
93
2.9%
$2,600-$2,999
2021 count
116
% of total
3.6%
116
3.6%
$3,000-$3,999
2021 count
131
% of total
4.0%
131
4.0%
$4,000-$4,999
2021 count
23
% of total
0.7%
23
0.7%
$5000 and over
2021 count
51
% of total
1.6%
51
1.6%
Not stated
2021 count
180
% of total
5.5%
180
5.5%
Data table
Housing loan repayments for Wyndham Vale. Monthly housing loan repayments. 2021 counts and percentages compared with Wyndham (C).
| Category | 2021 count | 2021 % | Wyndham (C) % |
|---|---|---|---|
| $299 or less | 92 | 2.8% | 3.4% |
| $300 - $599 | 73 | 2.2% | 2.0% |
| $600 - $999 | 194 | 6.0% | 4.6% |
| $1,000 - $1,199 | 187 | 5.7% | 4.1% |
| $1,200 - $1,399 | 294 | 9.0% | 6.6% |
| $1,400 - $1,599 | 379 | 11.6% | 8.6% |
| $1,600-$1,799 | 444 | 13.6% | 10.4% |
| $1,800 - $1,999 | 382 | 11.7% | 9.9% |
| $2,000 - $2,199 | 443 | 13.6% | 14.3% |
| $2,200 - $2,399 | 174 | 5.3% | 7.2% |
| $2,400-$2,599 | 93 | 2.9% | 5.4% |
| $2,600-$2,999 | 116 | 3.6% | 6.1% |
| $3,000-$3,999 | 131 | 4.0% | 6.8% |
| $4,000-$4,999 | 23 | 0.7% | 2.0% |
| $5000 and over | 51 | 1.6% | 1.8% |
| Not stated | 180 | 5.5% | 6.7% |
| Total | 3,256 | 100.0% | 100.0% |