RDA Darling Downs and South West RegionCommunity profile
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RDA Darling Downs and South West Region

Housing loan repayments

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

In the RDA Darling Downs and South West Region, 11.4% 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 the RDA Darling Downs and South West 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
RDA Darling Downs and South West Region - Households (Enumerated)2016
Monthly repayment amountNumber%Regional QLD %
$299 or less1,7636.04.9
$300 - $5991,6515.74.5
$600 - $9993,69712.79.7
$1,000 - $1,1992,7109.37.1
$1,200 - $1,3993,17510.99.0
$1,400 - $1,5992,8939.98.4
$1,600 - $1,7992,99910.39.8
$1,800 - $1,9991,8676.46.9
$2,000 - $2,1992,4248.310.6
$2,200 - $2,3998823.04.5
$2,400 - $2,5995852.03.0
$2,600 - $2,9991,3514.66.8
$3,000 - $3,9991,2534.36.7
$4,000 - $4,9993771.32.1
$5,000 and over3361.21.5
Not stated1,2464.34.5

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, Regional QLD: 1.5% $4,000 - $4,999, Regional QLD: 2.1% $3,000 - $3,999, Regional QLD: 6.7% $2,600 - $2,999, Regional QLD: 6.8% $2,400 - $2,599, Regional QLD: 3.0% $2,200 - $2,399, Regional QLD: 4.5% $2,000 - $2,199, Regional QLD: 10.6% $1,800 - $1,999, Regional QLD: 6.9% $1,600 - $1,799, Regional QLD: 9.8% $1,400 - $1,599, Regional QLD: 8.4% $1,200 - $1,399, Regional QLD: 9.0% $1,000 - $1,199, Regional QLD: 7.1% $600 - $999, Regional QLD: 9.7% $300 - $599, Regional QLD: 4.5% $299 or less, Regional QLD: 4.9% $5,000 and over, RDA Darling Downs and South West Region: 1.2% $4,000 - $4,999, RDA Darling Downs and South West Region: 1.3% $3,000 - $3,999, RDA Darling Downs and South West Region: 4.3% $2,600 - $2,999, RDA Darling Downs and South West Region: 4.6% $2,400 - $2,599, RDA Darling Downs and South West Region: 2.0% $2,200 - $2,399, RDA Darling Downs and South West Region: 3.0% $2,000 - $2,199, RDA Darling Downs and South West Region: 8.3% $1,800 - $1,999, RDA Darling Downs and South West Region: 6.4% $1,600 - $1,799, RDA Darling Downs and South West Region: 10.3% $1,400 - $1,599, RDA Darling Downs and South West Region: 9.9% $1,200 - $1,399, RDA Darling Downs and South West Region: 10.9% $1,000 - $1,199, RDA Darling Downs and South West Region: 9.3% $600 - $999, RDA Darling Downs and South West Region: 12.7% $300 - $599, RDA Darling Downs and South West Region: 5.7% $299 or less, RDA Darling Downs and South West 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 the RDA Darling Downs and South West Region compared to Regional QLD 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 $1,200 per month).

Overall, 11.4% of households were paying high mortgage repayments, and 33.6% were paying low repayments, compared with 17.0% and 26.2% respectively in Regional QLD.

The major differences between the household loan repayments of the RDA Darling Downs and South West Region and Regional QLD were:

  • A larger percentage of $600 - $999 (12.7% compared to 9.7%)
  • A larger percentage of $1,000 - $1,199 (9.3% compared to 7.1%)
  • A smaller percentage of $3,000 - $3,999 (4.3% compared to 6.7%)
  • A smaller percentage of $2,000 - $2,199 (8.3% compared to 10.6%)
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