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Perth Metropolitan Area

Housing loan repayments

In the Perth Metropolitan Area, 29.7% 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 Perth Metropolitan Area, 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
Perth Metropolitan Area - Households (Enumerated)2011
Monthly repayment amountNumber%Greater Perth %
Nil repayments5,5932.22.2
$1-$1491,8930.80.7
$150-$2992,4481.01.0
$300-$4495,0032.02.0
$450-$5994,5451.81.8
$600-$7998,7643.53.6
$800-$99911,0684.44.4
$1000-$119914,0515.65.7
$1200-$139916,0256.46.3
$1400-$159915,4236.26.2
$1600-$179917,4607.06.9
$1800-$199913,5465.45.4
$2000-$219924,0719.69.6
$2200-$239912,4995.05.0
$2400-$259911,6514.74.6
$2600-$299923,8339.59.5
$3000-$399930,46112.212.2
$4000-$499910,8084.34.3
$5000 and over9,1703.73.7
Not stated12,0084.84.8

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, Greater Perth: 3.7% $4000-$4999, Greater Perth: 4.3% $3000-$3999, Greater Perth: 12.2% $2600-$2999, Greater Perth: 9.5% $2400-$2599, Greater Perth: 4.6% $2200-$2399, Greater Perth: 5.0% $2000-$2199, Greater Perth: 9.6% $1800-$1999, Greater Perth: 5.4% $1600-$1799, Greater Perth: 6.9% $1400-$1599, Greater Perth: 6.2% $1200-$1399, Greater Perth: 6.3% $1000-$1199, Greater Perth: 5.7% $800-$999, Greater Perth: 4.4% $600-$799, Greater Perth: 3.6% $450-$599, Greater Perth: 1.8% $300-$449, Greater Perth: 2.0% $150-$299, Greater Perth: 1.0% $1-$149, Greater Perth: 0.7% Nil repayments, Greater Perth: 2.2% $5000 and over, Perth Metropolitan Area: 3.7% $4000-$4999, Perth Metropolitan Area: 4.3% $3000-$3999, Perth Metropolitan Area: 12.2% $2600-$2999, Perth Metropolitan Area: 9.5% $2400-$2599, Perth Metropolitan Area: 4.7% $2200-$2399, Perth Metropolitan Area: 5.0% $2000-$2199, Perth Metropolitan Area: 9.6% $1800-$1999, Perth Metropolitan Area: 5.4% $1600-$1799, Perth Metropolitan Area: 7.0% $1400-$1599, Perth Metropolitan Area: 6.2% $1200-$1399, Perth Metropolitan Area: 6.4% $1000-$1199, Perth Metropolitan Area: 5.6% $800-$999, Perth Metropolitan Area: 4.4% $600-$799, Perth Metropolitan Area: 3.5% $450-$599, Perth Metropolitan Area: 1.8% $300-$449, Perth Metropolitan Area: 2.0% $150-$299, Perth Metropolitan Area: 1.0% $1-$149, Perth Metropolitan Area: 0.8% Nil repayments, Perth Metropolitan Area: 2.2%
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 Perth Metropolitan Area compared to Greater Perth shows that there was a similar proportion of households paying high mortgage repayments ($2,600 per month or more), as well as a similar proportion of households with low mortgage repayments (less than $1000 per month).

Overall, 29.7% of households were paying high mortgage repayments, and 15.7% were paying low repayments, compared with 29.7% and 15.8% respectively in Greater Perth.

There were no major differences between Perth Metropolitan Area and Greater Perth in 2011.

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