City of Charles SturtCommunity profile
census-message-logo

2016 Census data has been released and we are busy processing it to update this website. View our latest releases here.

Skip to content

Semaphore Park Ward

Housing loan repayments

census-message-logo

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

In Semaphore Park Ward, 20.2% 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 Semaphore Park Ward, 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
Semaphore Park Ward - Households (Enumerated)2016
Monthly repayment amountNumber%City of Charles Sturt %
$299 or less836.65.3
$300 - $599564.45.2
$600 - $9991179.310.2
$1,000 - $1,1991058.37.2
$1,200 - $1,399836.68.4
$1,400 - $1,5991068.48.2
$1,600 - $1,799917.28.7
$1,800 - $1,999705.56.5
$2,000 - $2,19915312.110.7
$2,200 - $2,399685.44.5
$2,400 - $2,599332.63.2
$2,600 - $2,999766.07.0
$3,000 - $3,99912610.07.6
$4,000 - $4,999292.32.4
$5,000 and over241.91.5
Not stated423.33.4

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, City of Charles Sturt: 1.5% $4,000 - $4,999, City of Charles Sturt: 2.4% $3,000 - $3,999, City of Charles Sturt: 7.6% $2,600 - $2,999, City of Charles Sturt: 7.0% $2,400 - $2,599, City of Charles Sturt: 3.2% $2,200 - $2,399, City of Charles Sturt: 4.5% $2,000 - $2,199, City of Charles Sturt: 10.7% $1,800 - $1,999, City of Charles Sturt: 6.5% $1,600 - $1,799, City of Charles Sturt: 8.7% $1,400 - $1,599, City of Charles Sturt: 8.2% $1,200 - $1,399, City of Charles Sturt: 8.4% $1,000 - $1,199, City of Charles Sturt: 7.2% $600 - $999, City of Charles Sturt: 10.2% $300 - $599, City of Charles Sturt: 5.2% $299 or less, City of Charles Sturt: 5.3% $5,000 and over, Semaphore Park Ward: 1.9% $4,000 - $4,999, Semaphore Park Ward: 2.3% $3,000 - $3,999, Semaphore Park Ward: 10.0% $2,600 - $2,999, Semaphore Park Ward: 6.0% $2,400 - $2,599, Semaphore Park Ward: 2.6% $2,200 - $2,399, Semaphore Park Ward: 5.4% $2,000 - $2,199, Semaphore Park Ward: 12.1% $1,800 - $1,999, Semaphore Park Ward: 5.5% $1,600 - $1,799, Semaphore Park Ward: 7.2% $1,400 - $1,599, Semaphore Park Ward: 8.4% $1,200 - $1,399, Semaphore Park Ward: 6.6% $1,000 - $1,199, Semaphore Park Ward: 8.3% $600 - $999, Semaphore Park Ward: 9.3% $300 - $599, Semaphore Park Ward: 4.4% $299 or less, Semaphore Park Ward: 6.6%
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 Semaphore Park Ward compared to the City of Charles Sturt 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, 20.2% of households were paying high mortgage repayments, and 28.6% were paying low repayments, compared with 18.5% and 28.0% respectively in the City of Charles Sturt.

The major differences between the household loan repayments of Semaphore Park Ward and the City of Charles Sturt were:

  • A larger percentage of $3,000 - $3,999 (10.0% compared to 7.6%)
  • A larger percentage of $2,000 - $2,199 (12.1% compared to 10.7%)
  • A smaller percentage of $1,200 - $1,399 (6.6% compared to 8.4%)
  • A smaller percentage of $1,600 - $1,799 (7.2% compared to 8.7%)
v17.09.14-1.0.1