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Templestowe (High density)

Housing loan repayments

In Templestowe (High density), 35.5% 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 Templestowe (High density), 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
Templestowe (High density)2011
Monthly repayment amountNumber%City of Manningham %
Nil repayments412.53.4
$5000 and over935.54.8
Not stated1076.46.8

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

Monthly housing loan repayments, 2011
Monthly housing loan repayments, 2011 $5000 and over, City of Manningham: 4.8% $4000-$4999, City of Manningham: 6.2% $3000-$3999, City of Manningham: 14.5% $2600-$2999, City of Manningham: 7.5% $2400-$2599, City of Manningham: 4.2% $2200-$2399, City of Manningham: 4.0% $2000-$2199, City of Manningham: 9.5% $1800-$1999, City of Manningham: 4.3% $1600-$1799, City of Manningham: 5.2% $1400-$1599, City of Manningham: 5.4% $1200-$1399, City of Manningham: 5.5% $1000-$1199, City of Manningham: 5.4% $800-$999, City of Manningham: 3.9% $600-$799, City of Manningham: 2.9% $450-$599, City of Manningham: 2.1% $300-$449, City of Manningham: 2.2% $150-$299, City of Manningham: 1.1% $1-$149, City of Manningham: 1.1% Nil repayments, City of Manningham: 3.4% $5000 and over, Templestowe (High density): 5.5% $4000-$4999, Templestowe (High density): 8.3% $3000-$3999, Templestowe (High density): 14.9% $2600-$2999, Templestowe (High density): 6.8% $2400-$2599, Templestowe (High density): 4.1% $2200-$2399, Templestowe (High density): 4.3% $2000-$2199, Templestowe (High density): 8.8% $1800-$1999, Templestowe (High density): 3.8% $1600-$1799, Templestowe (High density): 5.1% $1400-$1599, Templestowe (High density): 6.5% $1200-$1399, Templestowe (High density): 6.4% $1000-$1199, Templestowe (High density): 4.6% $800-$999, Templestowe (High density): 3.9% $600-$799, Templestowe (High density): 2.9% $450-$599, Templestowe (High density): 1.7% $300-$449, Templestowe (High density): 1.6% $150-$299, Templestowe (High density): 1.2% $1-$149, Templestowe (High density): 0.8% Nil repayments, Templestowe (High density): 2.5%
Source: Australian Bureau of Statistics, Census of Population and Housing, 2011 (Enumerated data)
Compiled and presented in by .id, the population experts.

Dominant groups

Analysis of the monthly housing loan repayments of households in Templestowe (High density) compared to City of Manningham 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, 35.5% of households were paying high mortgage repayments, and 14.5% were paying low repayments, compared with 33.1% and 16.7% respectively in City of Manningham.

The major differences between the household loan repayments of Templestowe (High density) and City of Manningham were:

  • A larger percentage of $4000-$4999 (8.3% compared to 6.2%)
  • A larger percentage of $1400-$1599 (6.5% compared to 5.4%)