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Wollondilly Shire CouncilCommunity profile

Wollondilly Shire

Housing loan quartiles

In Wollondilly Shire, the 'medium highest group' was the largest quartile, comprising of 33% of households with mortgages in 2021.

Mortgage repayments in Wollondilly Shire are directly related to house prices, 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 in the community.

The quartile method is the most objective method of comparing change in the mortgage payment profile of a community over time.

A detailed explanation of how Housing Loan Repayment quartiles are calculated and interpreted is available in specific data notes.

Please note, interest rates at the 2021 Census were at a record low in Australia. The first interest rate rises by the Reserve Bank began an upward cycle from May 2022. Please use mortgage payment data with caution as data from the 2021 Census pre-dates all official rate rises in the current cycle.

Q:

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.)'

Housing loan quartiles
Wollondilly Shire - Households (Enumerated)20212016Change
Loan repayment quartile groupNumber%Greater Sydney %Number%Greater Sydney %2016 to 2021
Lowest group1,42417.818.91,30918.119.8+114
Medium lowest1,93024.121.11,77224.520.9+158
Medium highest2,64633.027.52,20930.627.1+438
Highest group2,01025.132.51,92926.732.2+81
Total households with stated mortgage repayments8,012100.0100.07,221100.0100.0+791
Source: Australian Bureau of Statistics, Census of Population and Housing 2016 and 2021. Compiled and presented by .id (informed decisions).
Please refer to specific data notes for more information
Housing loan - Quartile group dollar ranges
Calculated from loan repayment data for New South WalesMonthly housing loan repayments by Census year
Housing loan repayment ranges20212016201120062001
Lowest group$0 to $1,381$0 to $1,263$0 to $1,266$0 to $993$0 to $723
Medium lowest$1,382 to $2,123$1,264 to $1,989$1,267 to $1,995$994 to $1,557$724 to $1,069
Medium highest$2,124 to $3,203$1,990 to $2,865$1,996 to $2,853$1,558 to $2,416$1,070 to $1,550
Highest group$3,204 and over$2,866 and over$2,854 and over$2,417 and over$1,551 and over

Dominant groups

Housing loan repayment quartiles allow us to compare relative repayment liabilities across time. Analysis of the distribution of households by housing loan repayment quartiles in Wollondilly Shire compared to Greater Sydney shows that there was a smaller proportion of households in the highest repayment quartile, as well as a smaller proportion in the lowest repayment quartile.

Emerging groups

The total number of households with a mortgage in Wollondilly Shire decreased by 7,221 between 2016 and 2021. The most significant change in Wollondilly Shire during this period was in the medium highest quartile which showed an increase of 438 households.

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