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Greater Western Sydney Region

Housing loan repayments

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

In the Greater Western Sydney Region, 30.1% 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 Greater Western Sydney Region, 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
Greater Western Sydney Region - Households (Enumerated)2016
Monthly repayment amountNumber%Greater Sydney %
$299 or less11,1164.45.1
$300 - $5997,1692.92.8
$600 - $99913,8875.55.2
$1,000 - $1,19911,4394.64.3
$1,200 - $1,39914,6995.95.1
$1,400 - $1,59915,0936.05.3
$1,600 - $1,79919,4027.76.5
$1,800 - $1,99915,1666.05.0
$2,000 - $2,19931,43112.511.0
$2,200 - $2,39913,2825.34.5
$2,400 - $2,59911,6744.74.4
$2,600 - $2,99924,6059.88.7
$3,000 - $3,99933,62913.414.8
$4,000 - $4,99910,6014.26.7
$5,000 and over6,7132.76.4
Not stated10,9724.44.4

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, Greater Sydney: 6.4% $4,000 - $4,999, Greater Sydney: 6.7% $3,000 - $3,999, Greater Sydney: 14.8% $2,600 - $2,999, Greater Sydney: 8.7% $2,400 - $2,599, Greater Sydney: 4.4% $2,200 - $2,399, Greater Sydney: 4.5% $2,000 - $2,199, Greater Sydney: 11.0% $1,800 - $1,999, Greater Sydney: 5.0% $1,600 - $1,799, Greater Sydney: 6.5% $1,400 - $1,599, Greater Sydney: 5.3% $1,200 - $1,399, Greater Sydney: 5.1% $1,000 - $1,199, Greater Sydney: 4.3% $600 - $999, Greater Sydney: 5.2% $300 - $599, Greater Sydney: 2.8% $299 or less, Greater Sydney: 5.1% $5,000 and over, Greater Western Sydney Region: 2.7% $4,000 - $4,999, Greater Western Sydney Region: 4.2% $3,000 - $3,999, Greater Western Sydney Region: 13.4% $2,600 - $2,999, Greater Western Sydney Region: 9.8% $2,400 - $2,599, Greater Western Sydney Region: 4.7% $2,200 - $2,399, Greater Western Sydney Region: 5.3% $2,000 - $2,199, Greater Western Sydney Region: 12.5% $1,800 - $1,999, Greater Western Sydney Region: 6.0% $1,600 - $1,799, Greater Western Sydney Region: 7.7% $1,400 - $1,599, Greater Western Sydney Region: 6.0% $1,200 - $1,399, Greater Western Sydney Region: 5.9% $1,000 - $1,199, Greater Western Sydney Region: 4.6% $600 - $999, Greater Western Sydney Region: 5.5% $300 - $599, Greater Western Sydney Region: 2.9% $299 or less, Greater Western Sydney Region: 4.4%
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 Greater Western Sydney Region compared to Greater Sydney shows that there was a smaller 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 $1,200 per month).

Overall, 30.1% of households were paying high mortgage repayments, and 17.4% were paying low repayments, compared with 36.5% and 17.3% respectively in Greater Sydney.

The major differences between the household loan repayments of the Greater Western Sydney Region and Greater Sydney were:

  • A larger percentage of $2,000 - $2,199 (12.5% compared to 11.0%)
  • A smaller percentage of $5,000 and over (2.7% compared to 6.4%)
  • A smaller percentage of $4,000 - $4,999 (4.2% compared to 6.7%)
  • A smaller percentage of $3,000 - $3,999 (13.4% compared to 14.8%)
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