Finance advice

2016 census state-by-state breakdown of rents and mortgages

By Sasha Karen
Census, breakdown, property market, numbers

How much does each state and territory pay in rent payments and mortgage repayments? We look at the latest snapshot from the 2016 census and find out.

Weekly rental rates mostly increased across the nation, while mortgages mostly decreased, as we found in what the census revealed about Australia's overall property market.

Every state and territory saw an increase in households paying less than 30 per cent of total income towards median monthly mortgage repayments and a decrease in households who pay 30 per cent or greater.

Here’s our breakdown, state-by-state:

NSW

The weekly median rent in NSW is $380, an increase of $80 from 2011’s census. The proportion of those paying less than 30 per cent of their household income is 87.1 per cent, down from 88.4 per cent. Those who pay 30 per cent or more of their household income increased to 12.9 per cent, up from 11.6 per cent.

Unlike the median rent, the median mortgage payment decreased to $1,986, down from $1,993 in 2011. Mortgages are also becoming more affordable, with 92.6 per cent of mortgage payments being less than 30 per cent of a household’s income, up from 89.5 per cent.

Victoria

Victoria’s weekly median rent payments are $325, up $48 from 2011’s census. The percentage of Victorians paying less than 30 per cent of household income is 89.6 per cent, down from 90.9 per cent, while households paying equal to or more than 30 per cent of their household income increased to 10.4 per cent, up from 9.1 per cent.

Median mortgage monthly repayments increased to $1,728, up from $1,700 in 2011. However, like NSW, Victorian mortgages are also becoming more affordable, with 92.5 per cent of mortgage repayments being less than 30 per cent of household income, up from 89.9 per cent, and mortgage repayments equal to or more than 30 per cent are at 7.5 per cent, down from 10.1 per cent.

Queensland

Weekly median rents in Queensland increased $30 to $330, with 87.2 per cent of households paying less than 30 per cent of their household income, down from 88.1 per cent from the previous census, and 12.8 per cent of households paying 30 per cent or more, up from 11.9 per cent from the previous census.

Median mortgage repayments have decreased to $1,733, down from $1,850 in 2011’s census. Following the trend of affordable mortgages, 93.6 per cent of households are spending less than 30 per cent of their household income repaying mortgages, up from 90.3 per cent, and 6.4 per cent of households spend 30 per cent or more of their household income repaying mortgages, down from 9.7 per cent.

South Australia

South Australians saw their weekly median rent payments rise to $260, an increase of $40, with 89.8 per cent of rent payments equalling less than 30 per cent of household income, down from 90.7 per cent, and 10.2 per cent of rent repayments equalling to or greater than 30 per cent of household income, up from 9.3 per cent.

There is a slight decrease in median mortgage repayments to $1,491, down from $1,500 in 2011. Mortgages are also more affordable, with 93.4 per cent of mortgage payments costing households less than 30 per cent of their total income, up from 91.2 per cent, and 6.6 per cent of households’ mortgage repayments worth equal to or more than 30 per cent of household income, down from 8.8 per cent.

Western Australia

Western Australians are paying more in weekly median rent payments than in 2011, at $347, paying an additional $47. Rent is becoming more affordable, with 90.3 per cent of Western Australians paying less than 30 per cent of total household income, down from 91.1 per cent, and 9.7 per cent paying 30 per cent or greater, up from 8.9 per cent.

Monthly median mortgage repayments also increased to $1,993, up from $1,950 in 2011. Despite the rise, mortgage repayments are becoming more affordable, with 91.4 per cent of Western Australians paying less than 30 per cent of their total household income, up from 89.9 per cent in the last census, and 8.6 per cent of mortgage repayments paying 30 per cent or greater, down from 10.2 per cent.

Northern Territory

Northern Territorians saw the largest median weekly rent rise to $315, up $90 from 2011. There was little change in rent affordability, with 90.9 per cent of households paying a total household income of less than 30 per cent, compared to 2011’s 91 per cent, and 9.1 per cent of households paying 30 per cent or greater of total household income, up from 9 per cent.

Monthly median mortgage repayments also increased to $2,167, up from $2,054. Unlike rent payment, however, mortgage repayments are becoming more affordable, with 94.5 per cent of households paying less than 30 per cent of total household income for mortgage repayments, up from 92.3 per cent in 2011, and 5.5 per cent of households paying 30 per cent or greater, down from 7.7 per cent.

Tasmania

Tasmanians are paying the least in weekly median rent payments across Australia’s capital cities at $230, up from $30 in the last census. Rent payments are becoming less affordable in Tasmania, with 89.8 per cent of households paying less than 30 per cent, down from 90.5 per cent in 2011, and 10.2 per cent of households paying 30 per cent or greater, up from 9.5 per cent in 2011.

Tasmania is the only state not to see a change in its monthly median mortgage repayments, staying steady at $1,300. However, mortgages are becoming more affordable, with 94.9 per cent of households paying less than 30 per cent of their total income, up from 92.5 per cent, and 5.1 per cent of households paying 30 per cent or greater of their total income, down from 7.5 per cent.

Australian Capital Territory

Residents in the ACT have kept their weekly median rents stable at $380. Households that pay less than 30 per cent of total income decreased to 91.9 per cent, down from 2011’s 92 per cent, and 8.1 per cent of households pay 30 per cent or greater, up from 8 per cent.

Following the majority of states and territories, the ACT saw a decrease in median monthly mortgage repayments at $2,058, down from $2,167. Median monthly mortgage repayments have become more affordable, with 94.5 per cent of Territorians paying less than 30 per cent of total household income, up from 92.2 per cent in 2011, and 5.5 per cent paying 30 per cent or greater of total household income, up from 7.8 in 2011.

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podcast

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With the softening market impacting property values in many parts of Australia, Sally Wood, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Top 100 ranked agent Bill Tsounias shares the secrets to getting the best deal in a softening market
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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Two components of good investment research
How Greta purchased four properties in a year

AREAS MENTIONED:

Redcliffe
Port Macquarie
Loganlea
Launceston
Raceview

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A joint property portfolio before they were even living together

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