Shire of MorawaCommunity profile
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Shire of Morawa

Housing loan repayments

In the Shire of Morawa, 4.6% 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 the Shire of Morawa, 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
Shire of Morawa - Households (Enumerated)2011
Monthly repayment amountNumber%Regional WA %
Nil repayments34.63.8
$1-$14946.20.6
$150-$29900.01.4
$300-$449812.33.1
$450-$599913.82.9
$600-$799913.85.5
$800-$99946.26.3
$1000-$1199710.87.3
$1200-$139934.67.9
$1400-$159934.66.7
$1600-$179934.67.4
$1800-$199934.65.4
$2000-$219934.68.8
$2200-$239900.04.2
$2400-$259900.03.1
$2600-$299900.06.9
$3000-$399900.07.9
$4000-$499900.02.8
$5000 and over34.62.2
Not stated34.65.6

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

Monthly housing loan repayments, 2011
Monthly housing loan repayments, 2011 $5000 and over, Regional WA: 2.2% $4000-$4999, Regional WA: 2.8% $3000-$3999, Regional WA: 7.9% $2600-$2999, Regional WA: 6.9% $2400-$2599, Regional WA: 3.1% $2200-$2399, Regional WA: 4.2% $2000-$2199, Regional WA: 8.8% $1800-$1999, Regional WA: 5.4% $1600-$1799, Regional WA: 7.4% $1400-$1599, Regional WA: 6.7% $1200-$1399, Regional WA: 7.9% $1000-$1199, Regional WA: 7.3% $800-$999, Regional WA: 6.3% $600-$799, Regional WA: 5.5% $450-$599, Regional WA: 2.9% $300-$449, Regional WA: 3.1% $150-$299, Regional WA: 1.4% $1-$149, Regional WA: 0.6% Nil repayments, Regional WA: 3.8% $5000 and over, Shire of Morawa: 4.6% $4000-$4999, Shire of Morawa: 0.0% $3000-$3999, Shire of Morawa: 0.0% $2600-$2999, Shire of Morawa: 0.0% $2400-$2599, Shire of Morawa: 0.0% $2200-$2399, Shire of Morawa: 0.0% $2000-$2199, Shire of Morawa: 4.6% $1800-$1999, Shire of Morawa: 4.6% $1600-$1799, Shire of Morawa: 4.6% $1400-$1599, Shire of Morawa: 4.6% $1200-$1399, Shire of Morawa: 4.6% $1000-$1199, Shire of Morawa: 10.8% $800-$999, Shire of Morawa: 6.2% $600-$799, Shire of Morawa: 13.8% $450-$599, Shire of Morawa: 13.8% $300-$449, Shire of Morawa: 12.3% $150-$299, Shire of Morawa: 0.0% $1-$149, Shire of Morawa: 6.2% Nil repayments, Shire of Morawa: 4.6%
Source: Australian Bureau of Statistics, Census of Population and Housing, 2011 (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 Shire of Morawa compared to Regional WA 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, 4.6% of households were paying high mortgage repayments, and 56.9% were paying low repayments, compared with 19.8% and 23.6% respectively in Regional WA.

The major differences between the household loan repayments of the Shire of Morawa and Regional WA were:

  • A larger percentage of $450-$599 (13.8% compared to 2.9%)
  • A larger percentage of $300-$449 (12.3% compared to 3.1%)
  • A larger percentage of $600-$799 (13.8% compared to 5.5%)
  • A smaller percentage of $3000-$3999 (0.0% compared to 7.9%)
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