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North - East Region

Housing loan repayments

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

In North - East Region, 32.9% 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 North - East 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
North - East Region - Households (Enumerated)2016
Monthly repayment amountNumber%City of Mitcham %
$299 or less1836.05.5
$300 - $5991444.74.6
$600 - $9992126.98.7
$1,000 - $1,1991876.16.0
$1,200 - $1,3991725.67.2
$1,400 - $1,5991866.17.0
$1,600 - $1,7991785.88.0
$1,800 - $1,9991444.76.0
$2,000 - $2,1992919.510.5
$2,200 - $2,3991394.65.3
$2,400 - $2,5991013.33.7
$2,600 - $2,9992518.28.0
$3,000 - $3,99943014.110.5
$4,000 - $4,9991826.03.4
$5,000 and over1404.62.5
Not stated1133.73.2

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 Mitcham: 2.5% $4,000 - $4,999, City of Mitcham: 3.4% $3,000 - $3,999, City of Mitcham: 10.5% $2,600 - $2,999, City of Mitcham: 8.0% $2,400 - $2,599, City of Mitcham: 3.7% $2,200 - $2,399, City of Mitcham: 5.3% $2,000 - $2,199, City of Mitcham: 10.5% $1,800 - $1,999, City of Mitcham: 6.0% $1,600 - $1,799, City of Mitcham: 8.0% $1,400 - $1,599, City of Mitcham: 7.0% $1,200 - $1,399, City of Mitcham: 7.2% $1,000 - $1,199, City of Mitcham: 6.0% $600 - $999, City of Mitcham: 8.7% $300 - $599, City of Mitcham: 4.6% $299 or less, City of Mitcham: 5.5% $5,000 and over, North - East Region: 4.6% $4,000 - $4,999, North - East Region: 6.0% $3,000 - $3,999, North - East Region: 14.1% $2,600 - $2,999, North - East Region: 8.2% $2,400 - $2,599, North - East Region: 3.3% $2,200 - $2,399, North - East Region: 4.6% $2,000 - $2,199, North - East Region: 9.5% $1,800 - $1,999, North - East Region: 4.7% $1,600 - $1,799, North - East Region: 5.8% $1,400 - $1,599, North - East Region: 6.1% $1,200 - $1,399, North - East Region: 5.6% $1,000 - $1,199, North - East Region: 6.1% $600 - $999, North - East Region: 6.9% $300 - $599, North - East Region: 4.7% $299 or less, North - East Region: 6.0%
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 North - East Region compared to the City of Mitcham 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 $1,200 per month).

Overall, 32.9% of households were paying high mortgage repayments, and 23.8% were paying low repayments, compared with 24.4% and 24.8% respectively in the City of Mitcham.

The major differences between the household loan repayments of North - East Region and the City of Mitcham were:

  • A larger percentage of $3,000 - $3,999 (14.1% compared to 10.5%)
  • A larger percentage of $4,000 - $4,999 (6.0% compared to 3.4%)
  • A larger percentage of $5,000 and over (4.6% compared to 2.5%)
  • A smaller percentage of $1,600 - $1,799 (5.8% compared to 8.0%)
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