This variable records the mortgage repayments being paid by a household in ranges. It is applicable to occupied private dwellings on Census Night. A private dwelling is defined in Dwelling structure (STRD) and can include caravans in caravan parks, occupied tents, and houseboats.
For practical purposes this information is recoded to a specific number of ranges for standard Census products (such as QuickStats and Community Profiles).
The Census also collects this information in single dollar values (MRED).
Scope
Occupied private dwellings that are owned with a mortgage (including being purchased under a shared equity scheme)
Categories
Code
Category
01
Nil repayments
02
$1-$149
03
$150-$299
04
$300-$449
05
$450-$599
06
$600-$799
07
$800-$999
08
$1,000-$1,199
09
$1,200-$1,399
10
$1,400-$1,599
11
$1,600-$1,799
12
$1,800-$1,999
13
$2,000-$2,199
14
$2,200-$2,399
15
$2,400-$2,599
16
$2,600-$2,799
17
$2,800-$2,999
18
$3,000-$3,499
19
$3,500-$3,999
20
$4,000-$4,999
21
$5,000 and over
&&
Not stated
@@
Not applicable
Number of categories: 23
Not applicable (@@) category comprises:
Occupied private dwellings with Tenure type (TEND) of owned outright, rented, being occupied rent free, being occupied under a life tenure scheme, other and not stated
Unoccupied private dwellings
Non-private dwellings
Migratory, off-shore and shipping SA1s
Question(s) from the Census form
Is this dwelling: (please open this section to view response categories)
Image
Description
Is the dwelling at 1 Smith Street:
Include owners of caravans, manufactured homes or houseboats in ‘Owned with a mortgage’ or ‘Owned outright’ regardless of whether or not the site is owned.
A shared equity scheme is a government or not-for-profit scheme - assisting people on lower incomes to buy a home by sharing up to 30% of the ownership.
Life tenure schemes are a common arrangement in retirement villages. Include leaseholds, and loan and license agreements in ‘Occupied under a life tenure scheme’.
• Dwelling ownership
• Owned outright
• Owned with a mortgage
• Purchased under a shared equity scheme
• Rented
• Occupied rent free
• Occupied under a life tenure scheme
• Other
Example
Image
Description
Is the dwelling at 1 Smith Street:
Include owners of caravans, manufactured homes or houseboats in ‘Owned with a mortgage’ or ‘Owned outright’ regardless of whether or not the site is owned.
A shared equity scheme is a government or not-for-profit scheme - assisting people on lower incomes to buy a home by sharing up to 30% of the ownership.
Life tenure schemes are a common arrangement in retirement villages. Include leaseholds, and loan and license agreements in ‘Occupied under a life tenure scheme’.
Dwelling ownership
Owned outright (selected response)
Owned with a mortgage
Purchased under a shared equity scheme
Rented
Occupied rent free
Occupied under a life tenure scheme
Other
Rent arrangements
These questions do not apply, based on your answer to the previous question.
Example
Image
Description
Is the dwelling at 1 Smith Street:
Include owners of caravans, manufactured homes or houseboats in ‘Owned with a mortgage’ or ‘Owned outright’ regardless of whether or not the site is owned.
A shared equity scheme is a government or not-for-profit scheme - assisting people on lower incomes to buy a home by sharing up to 30% of the ownership.
Life tenure schemes are a common arrangement in retirement villages. Include leaseholds, and loan and license agreements in ‘Occupied under a life tenure scheme’.
Dwelling ownership
Owned outright
Owned with a mortgage
Purchased under a shared equity scheme
Rented
Occupied rent free (selected response)
Occupied under a life tenure scheme
Other
Example
Image
Description
Is the dwelling at 1 Smith Street:
Include owners of caravans, manufactured homes or houseboats in ‘Owned with a mortgage’ or ‘Owned outright’ regardless of whether or not the site is owned.
A shared equity scheme is a government or not-for-profit scheme - assisting people on lower incomes to buy a home by sharing up to 30% of the ownership.
Life tenure schemes are a common arrangement in retirement villages. Include leaseholds, and loan and license agreements in ‘Occupied under a life tenure scheme’.
Dwelling ownership
Owned outright
Owned with a mortgage
Purchased under a shared equity scheme
Rented (selected response)
Occupied rent free
Occupied under a life tenure scheme
Other
How much does your household pay for this dwelling?
Image
Description
How much does the household pay for 1 Smith Street?
Include rent and mortgage repayments and site fees if the dwelling is a caravan or manufactured home in a caravan park or manufactured home estate.
Exclude water rates, council rates, repairs, maintenance, body corporate and other fees.
If no payments, please select '$0 or Nil payments'.
More information
Total dwelling payments
$
.00 per week
OR
$
.00 per fortnight
OR
$
.00 per month
OR
$0 or Nil payments
More information
Image
Description
How much does the household pay for 1 Smith Street?
Include rent and mortgage repayments and site fees if the dwelling is a caravan or manufactured home in a caravan park or manufactured home estate.
Exclude water rates, council rates, repairs, maintenance, body corporate and other fees.
If no payments, please select '$0 or Nil payments'.
More information
If exact amount is not known, please provide your best estimate.
How this variable is created
Data for this variable is derived from the Tenure type and Housing costs questions on the Census form. Household repayments data is automatically captured from numeric text responses.
History and changes
The question relating to Mortgage repayments (monthly) dollar values was first asked for the 1976 Census, though in some previous years this variable has been referred to as ‘Housing loan repayments (monthly)’. Since 2011, Nil repayments is recorded as $0 in Mortgage repayments (monthly) dollar values and as a separate category called ‘Nil repayments’ in Mortgage repayments (monthly) ranges. Prior to 2011 a response of nil was coded as ‘Not Stated’.
No changes have been made for 2021.
Data use considerations
The data in these variables is important for the analysis of home ownership and for providing benchmark data for evaluating housing needs, housing finance and housing demand.
Processing Mortgage repayments (monthly) dollar values is subject to some recognition error for responses provided on paper Census forms, particularly when responses incorrectly include cents and the decimal point is missing or unclear. Some high or low values when combined with income may form unlikely combinations. While the data is subject to data assurance checks to ensure an acceptable level of quality, numeric responses are accepted as reported by the respondents on the form.
This variable is derived from Mortgage repayments (monthly) dollar values (MRED). The non-response rate for Mortgage repayments (monthly) dollar values (MRED) was 6.0% in 2021. This is an increase from 4.2% in 2016.
Related variables and glossary terms
Mortgage repayments (monthly) dollar values (MRED)
