Shire of AshburtonCommunity profile
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Shire of Ashburton

Housing loan repayments

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This topic has been updated with 2016 Census data for all areas. What's this?

In the Shire of Ashburton, 19.0% of households with a mortgage were making high loan repayments of $2,600 or more per month in 2016.

Mortgage repayments are directly related to house prices in the Shire of Ashburton, length of occupancy and the level of equity of home owners. When viewed with Household Income data it may also indicate the level of housing stress households in the community are under. In mortgage belt areas it is expected that households will be paying a higher proportion of their income on their housing compared to well-established areas. First home buyer areas are also likely to have larger mortgages than upgrader areas where households move in with equity from elsewhere.

Mortgage payment levels are not directly comparable over time because of inflation. For comparison of mortgage payments over time, go to Housing Loan Quartiles.

Derived from the Census questions:

'How much does your household pay for this dwelling?' and 'Is this dwelling (owned outright, owned with a mortgage etc.)'

Households with a mortgage

Monthly housing loan repayments
Shire of Ashburton - Households (Enumerated)2016
Monthly repayment amountNumber%Regional WA %
$299 or less1214.35.5
$300 - $599910.75.3
$600 - $99956.010.2
$1,000 - $1,1990--7.0
$1,200 - $1,39944.88.4
$1,400 - $1,59967.17.8
$1,600 - $1,79933.68.8
$1,800 - $1,99933.66.4
$2,000 - $2,199910.710.5
$2,200 - $2,39967.14.5
$2,400 - $2,59944.83.0
$2,600 - $2,9990--6.4
$3,000 - $3,99933.67.5
$4,000 - $4,99967.12.4
$5,000 and over78.31.6
Not stated78.34.5

Source: Australian Bureau of Statistics, Census of Population and Housing 2016. Compiled and presented in profile.id by .id , the population experts.

Monthly housing loan repayments, 2016
Monthly housing loan repayments, 2016 $5,000 and over, Regional WA: 1.6% $4,000 - $4,999, Regional WA: 2.4% $3,000 - $3,999, Regional WA: 7.5% $2,600 - $2,999, Regional WA: 6.4% $2,400 - $2,599, Regional WA: 3.0% $2,200 - $2,399, Regional WA: 4.5% $2,000 - $2,199, Regional WA: 10.5% $1,800 - $1,999, Regional WA: 6.4% $1,600 - $1,799, Regional WA: 8.8% $1,400 - $1,599, Regional WA: 7.8% $1,200 - $1,399, Regional WA: 8.4% $1,000 - $1,199, Regional WA: 7.0% $600 - $999, Regional WA: 10.2% $300 - $599, Regional WA: 5.3% $299 or less, Regional WA: 5.5% $5,000 and over, Shire of Ashburton: 8.3% $4,000 - $4,999, Shire of Ashburton: 7.1% $3,000 - $3,999, Shire of Ashburton: 3.6% $2,400 - $2,599, Shire of Ashburton: 4.8% $2,200 - $2,399, Shire of Ashburton: 7.1% $2,000 - $2,199, Shire of Ashburton: 10.7% $1,800 - $1,999, Shire of Ashburton: 3.6% $1,600 - $1,799, Shire of Ashburton: 3.6% $1,400 - $1,599, Shire of Ashburton: 7.1% $1,200 - $1,399, Shire of Ashburton: 4.8% $600 - $999, Shire of Ashburton: 6.0% $300 - $599, Shire of Ashburton: 10.7% $299 or less, Shire of Ashburton: 14.3%
Source: Australian Bureau of Statistics, Census of Population and Housing, 2016 (Enumerated data)
Compiled and presented in profile.id by .id, the population experts.

Dominant groups

Analysis of the monthly housing loan repayments of households in the Shire of Ashburton compared to Regional WA shows that there was a larger proportion of households paying high mortgage repayments ($2,600 per month or more), as well as a larger proportion of households with low mortgage repayments (less than $1,200 per month).

Overall, 19.0% of households were paying high mortgage repayments, and 31.0% were paying low repayments, compared with 17.9% and 28.1% respectively in Regional WA.

The major differences between the household loan repayments of the Shire of Ashburton and Regional WA were:

  • A larger percentage of $299 or less (14.3% compared to 5.5%)
  • A larger percentage of $5,000 and over (8.3% compared to 1.6%)
  • A smaller percentage of $1,000 - $1,199 (0.0% compared to 7.0%)
  • A smaller percentage of $2,600 - $2,999 (0.0% compared to 6.4%)
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