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In Milperra, 39.3% of households with a mortgage were making high loan repayments of $2,600 or more per month in 2011.

Mortgage repayments are directly related to house prices in Milperra, 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
Milperra2011
Monthly repayment amountNumber%Bankstown City %
Nil repayments162.82.1
$1-$14930.50.6
$150-$29930.50.9
$300-$449132.31.5
$450-$599122.11.6
$600-$799183.12.6
$800-$99991.63.6
$1000-$1199213.65.0
$1200-$1399366.26.4
$1400-$1599213.66.0
$1600-$1799396.87.3
$1800-$1999213.65.8
$2000-$2199518.811.6
$2200-$2399305.25.3
$2400-$2599345.94.6
$2600-$29996310.910.4
$3000-$399911720.313.1
$4000-$4999417.13.6
$5000 and over61.02.2
Not stated234.05.6

Source: Australian Bureau of Statistics, Census of Population and Housing 2011. Compiled and presented in profile.id by .id , the population experts.

Monthly housing loan repayments, 2011
Monthly housing loan repayments, 2011 $5000 and over, Bankstown City: 2.2% $4000-$4999, Bankstown City: 3.6% $3000-$3999, Bankstown City: 13.1% $2600-$2999, Bankstown City: 10.4% $2400-$2599, Bankstown City: 4.6% $2200-$2399, Bankstown City: 5.3% $2000-$2199, Bankstown City: 11.6% $1800-$1999, Bankstown City: 5.8% $1600-$1799, Bankstown City: 7.3% $1400-$1599, Bankstown City: 6.0% $1200-$1399, Bankstown City: 6.4% $1000-$1199, Bankstown City: 5.0% $800-$999, Bankstown City: 3.6% $600-$799, Bankstown City: 2.6% $450-$599, Bankstown City: 1.6% $300-$449, Bankstown City: 1.5% $150-$299, Bankstown City: 0.9% $1-$149, Bankstown City: 0.6% Nil repayments, Bankstown City: 2.1% $5000 and over, Milperra: 1.0% $4000-$4999, Milperra: 7.1% $3000-$3999, Milperra: 20.3% $2600-$2999, Milperra: 10.9% $2400-$2599, Milperra: 5.9% $2200-$2399, Milperra: 5.2% $2000-$2199, Milperra: 8.8% $1800-$1999, Milperra: 3.6% $1600-$1799, Milperra: 6.8% $1400-$1599, Milperra: 3.6% $1200-$1399, Milperra: 6.2% $1000-$1199, Milperra: 3.6% $800-$999, Milperra: 1.6% $600-$799, Milperra: 3.1% $450-$599, Milperra: 2.1% $300-$449, Milperra: 2.3% $150-$299, Milperra: 0.5% $1-$149, Milperra: 0.5% Nil repayments, Milperra: 2.8%
Source: Australian Bureau of Statistics, Census of Population and Housing, 2011 (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 Milperra compared to Bankstown City shows that there was a larger proportion of households paying high mortgage repayments ($2,600 per month or more), and a similar proportion of households with low mortgage repayments (less than $1000 per month).

Overall, 39.3% of households were paying high mortgage repayments, and 12.8% were paying low repayments, compared with 29.4% and 12.9% respectively in Bankstown City.

The major differences between the household loan repayments of Milperra and Bankstown City were:

  • A larger percentage of $3000-$3999 (20.3% compared to 13.1%)
  • A larger percentage of $4000-$4999 (7.1% compared to 3.6%)
  • A smaller percentage of $2000-$2199 (8.8% compared to 11.6%)
  • A smaller percentage of $1400-$1599 (3.6% compared to 6.0%)