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Hills Region

Housing loan repayments

In Hills Region, 22.1% 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 Hills 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
Hills Region - Households (Enumerated)2011
Monthly repayment amountNumber%City of Mitcham %
Nil repayments882.42.3
$5000 and over661.82.6
Not stated1353.63.9

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 Mitcham: 2.6% $4000-$4999, City of Mitcham: 3.5% $3000-$3999, City of Mitcham: 9.9% $2600-$2999, City of Mitcham: 7.6% $2400-$2599, City of Mitcham: 3.8% $2200-$2399, City of Mitcham: 4.9% $2000-$2199, City of Mitcham: 9.3% $1800-$1999, City of Mitcham: 6.0% $1600-$1799, City of Mitcham: 7.2% $1400-$1599, City of Mitcham: 6.6% $1200-$1399, City of Mitcham: 7.3% $1000-$1199, City of Mitcham: 7.1% $800-$999, City of Mitcham: 5.8% $600-$799, City of Mitcham: 4.7% $450-$599, City of Mitcham: 2.5% $300-$449, City of Mitcham: 2.8% $150-$299, City of Mitcham: 1.2% $1-$149, City of Mitcham: 1.1% Nil repayments, City of Mitcham: 2.3% $5000 and over, Hills Region: 1.8% $4000-$4999, Hills Region: 2.6% $3000-$3999, Hills Region: 10.2% $2600-$2999, Hills Region: 7.5% $2400-$2599, Hills Region: 4.2% $2200-$2399, Hills Region: 5.2% $2000-$2199, Hills Region: 9.1% $1800-$1999, Hills Region: 6.7% $1600-$1799, Hills Region: 6.9% $1400-$1599, Hills Region: 6.7% $1200-$1399, Hills Region: 7.4% $1000-$1199, Hills Region: 6.9% $800-$999, Hills Region: 5.5% $600-$799, Hills Region: 4.9% $450-$599, Hills Region: 2.8% $300-$449, Hills Region: 3.1% $150-$299, Hills Region: 1.6% $1-$149, Hills Region: 1.0% Nil repayments, Hills Region: 2.4%
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 Hills Region compared to the City of Mitcham shows that there was a smaller proportion of households paying high mortgage repayments ($2,600 per month or more), and a larger proportion of households with low mortgage repayments (less than $1000 per month).

Overall, 22.1% of households were paying high mortgage repayments, and 21.3% were paying low repayments, compared with 23.5% and 20.4% respectively in the City of Mitcham.

There were no major differences between Hills Region and City of Mitcham in 2011.