Bass Coast ShireCommunity profile
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Bass Coast Shire

Housing loan repayments

In Bass Coast Shire, 9.3% 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 Bass Coast Shire, 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
Bass Coast Shire - Households (Enumerated)2011
Monthly repayment amountNumber%Regional VIC %
Nil repayments912.72.6
$1-$149310.90.8
$150-$299641.91.8
$300-$4491293.94.0
$450-$5991213.63.9
$600-$7992427.27.4
$800-$9992848.59.5
$1000-$11993219.610.5
$1200-$139933810.111.3
$1400-$15992948.88.9
$1600-$17993079.28.8
$1800-$19991815.45.4
$2000-$21992377.16.9
$2200-$23991003.02.6
$2400-$2599682.01.6
$2600-$29991163.53.4
$3000-$39991163.53.3
$4000-$4999461.41.1
$5000 and over331.00.9
Not stated2236.75.6

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, Regional VIC: 0.9% $4000-$4999, Regional VIC: 1.1% $3000-$3999, Regional VIC: 3.3% $2600-$2999, Regional VIC: 3.4% $2400-$2599, Regional VIC: 1.6% $2200-$2399, Regional VIC: 2.6% $2000-$2199, Regional VIC: 6.9% $1800-$1999, Regional VIC: 5.4% $1600-$1799, Regional VIC: 8.8% $1400-$1599, Regional VIC: 8.9% $1200-$1399, Regional VIC: 11.3% $1000-$1199, Regional VIC: 10.5% $800-$999, Regional VIC: 9.5% $600-$799, Regional VIC: 7.4% $450-$599, Regional VIC: 3.9% $300-$449, Regional VIC: 4.0% $150-$299, Regional VIC: 1.8% $1-$149, Regional VIC: 0.8% Nil repayments, Regional VIC: 2.6% $5000 and over, Bass Coast Shire: 1.0% $4000-$4999, Bass Coast Shire: 1.4% $3000-$3999, Bass Coast Shire: 3.5% $2600-$2999, Bass Coast Shire: 3.5% $2400-$2599, Bass Coast Shire: 2.0% $2200-$2399, Bass Coast Shire: 3.0% $2000-$2199, Bass Coast Shire: 7.1% $1800-$1999, Bass Coast Shire: 5.4% $1600-$1799, Bass Coast Shire: 9.2% $1400-$1599, Bass Coast Shire: 8.8% $1200-$1399, Bass Coast Shire: 10.1% $1000-$1199, Bass Coast Shire: 9.6% $800-$999, Bass Coast Shire: 8.5% $600-$799, Bass Coast Shire: 7.2% $450-$599, Bass Coast Shire: 3.6% $300-$449, Bass Coast Shire: 3.9% $150-$299, Bass Coast Shire: 1.9% $1-$149, Bass Coast Shire: 0.9% Nil repayments, Bass Coast Shire: 2.7%
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 Bass Coast Shire compared to Regional VIC shows that there was a larger proportion of households paying high mortgage repayments ($2,600 per month or more), and a smaller proportion of households with low mortgage repayments (less than $1000 per month).

Overall, 9.3% of households were paying high mortgage repayments, and 28.8% were paying low repayments, compared with 8.7% and 29.9% respectively in Regional VIC.

The major difference between the household loan repayments of Bass Coast Shire and Regional VIC is:

  • A smaller percentage of $1200-$1399 (10.1% compared to 11.3%)
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