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 Fitzroy (Vic.), accounting for 15.3% (144 households). This share was lower than Yarra (C) (15.6%).
Section overview
Monthly housing loan repayments
Fitzroy (Vic.) - Households (Enumerated)
This table summarises housing loan repayments for Fitzroy (Vic.) in 2021 for persons, with comparison against Yarra (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Fitzroy (Vic.), with comparison markers for Yarra (C).
$299 or less
2021 count
49
% of total
5.2%
49
5.2%
$300 - $599
2021 count
18
% of total
1.9%
18
1.9%
$600 - $999
2021 count
44
% of total
4.7%
44
4.7%
$1,000 - $1,199
2021 count
39
% of total
4.1%
39
4.1%
$1,200 - $1,399
2021 count
35
% of total
3.7%
35
3.7%
$1,400 - $1,599
2021 count
33
% of total
3.5%
33
3.5%
$1,600-$1,799
2021 count
48
% of total
5.1%
48
5.1%
$1,800 - $1,999
2021 count
38
% of total
4.0%
38
4.0%
$2,000 - $2,199
2021 count
66
% of total
7.0%
66
7.0%
$2,200 - $2,399
2021 count
51
% of total
5.4%
51
5.4%
$2,400-$2,599
2021 count
41
% of total
4.3%
41
4.3%
$2,600-$2,999
2021 count
75
% of total
8.0%
75
8.0%
$3,000-$3,999
2021 count
144
% of total
15.3%
144
15.3%
$4,000-$4,999
2021 count
89
% of total
9.4%
89
9.4%
$5000 and over
2021 count
115
% of total
12.2%
115
12.2%
Not stated
2021 count
58
% of total
6.2%
58
6.2%
Data table
Housing loan repayments for Fitzroy (Vic.). Monthly housing loan repayments. 2021 counts and percentages compared with Yarra (C).
| Category | 2021 count | 2021 % | Yarra (C) % |
|---|---|---|---|
| $299 or less | 49 | 5.2% | 4.7% |
| $300 - $599 | 18 | 1.9% | 1.8% |
| $600 - $999 | 44 | 4.7% | 3.9% |
| $1,000 - $1,199 | 39 | 4.1% | 4.1% |
| $1,200 - $1,399 | 35 | 3.7% | 5.0% |
| $1,400 - $1,599 | 33 | 3.5% | 5.5% |
| $1,600-$1,799 | 48 | 5.1% | 5.9% |
| $1,800 - $1,999 | 38 | 4.0% | 4.7% |
| $2,000 - $2,199 | 66 | 7.0% | 8.4% |
| $2,200 - $2,399 | 51 | 5.4% | 4.2% |
| $2,400-$2,599 | 41 | 4.3% | 4.2% |
| $2,600-$2,999 | 75 | 8.0% | 6.7% |
| $3,000-$3,999 | 144 | 15.3% | 15.6% |
| $4,000-$4,999 | 89 | 9.4% | 9.0% |
| $5000 and over | 115 | 12.2% | 10.5% |
| Not stated | 58 | 6.2% | 5.5% |
| Total | 943 | 100.0% | 100.0% |