Acacia Ridge vs AnnerleyTwo Brisbane suburbs compared for a home loan
Acacia Ridge (QLD 4110) is approximately 16 km south of the Brisbane CBD, adjoining the Acacia Ridge rail freight terminal. Annerley (QLD 4103) is approximately 6 km south of the Brisbane CBD, on the ridge above Ipswich Road. At the 2021 Census, Acacia Ridge had 7,486 residents with a median age of 34, and Annerley had 11,891 residents with a median age of 33.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 3% of occupied dwellings in Acacia Ridge and 41% in Annerley, while 50% of Acacia Ridge households rented compared with 55% in Annerley. These differences matter for finance, because lenders assess apartments, strata buildings and houses on land differently.
Both suburbs are in the same state, so transfer duty is calculated on the same scale and the difference in upfront cost comes from the purchase price. The panel below applies that scale, and an estimate of lenders mortgage insurance, to the prices you enter.
QLD 4110 · Southern Brisbane
Acacia Ridge
Acacia Ridge is a post-war southern Brisbane suburb where 1,759 of its 2,633 occupied dwellings had three bedrooms at the 2021 Census.
Brisbane City Council. Approximately 16 km south of the Brisbane CBD, adjoining the Acacia Ridge rail freight terminal.
Read the full Acacia Ridge guideQLD 4103 · Inner South Brisbane
Annerley
Annerley is an inner south Brisbane suburb divided almost evenly between houses at 40.9 per cent and apartments at 40.8 per cent of occupied homes.
Brisbane City Council. Approximately 6 km south of the Brisbane CBD, on the ridge above Ipswich Road.
Read the full Annerley guide
What buying in Acacia Ridge and Annerley would mean for the loan
The difference between two suburbs is usually a difference in price, and price drives the deposit, the transfer duty, any lenders mortgage insurance and the repayment. Enter the prices you are seeing and the panel works out each of those for Acacia Ridge and Annerley.
Your prices and deposit
Enter the price you are seeing in each suburb. BorrowWise does not quote prices, so the comparison uses yours.
Enter a price for Acacia Ridge to see the repayment, transfer duty and upfront cash.
Enter a price for Annerley to see the repayment, transfer duty and upfront cash.
Warning: The interest rate used here is an example only. It is not a comparison rate and is not a rate offered by any lender, and it does not include fees and charges. Different rates, terms, fees or loan amounts will give a different result.
Estimates only. Repayments assume a principal and interest loan at a constant rate, which is an assumption and not a current market rate. Transfer duty is indicative for established homes, first home buyer relief depends on eligibility, and upfront cash includes an allowance of $3,000 for conveyancing and inspections. Lenders mortgage insurance is an estimate and is added to the loan. A lender makes its own assessment.
Acacia Ridge and Annerley: Census profile compared
Figures are from the 2021 Census, so rents, repayments and incomes have moved since. They are most useful for comparing one suburb with another and with Australia as a whole.
| Measure | Acacia Ridge | Annerley |
|---|---|---|
| People and households | ||
| Residents | 7,486 | 11,891 |
| Median ageAustralia 38 | 34 | 33 |
| Average household sizeAustralia 2.5 | 2.6 | 2.2 |
| Median household income, weeklyAustralia $1,746 | $1,313 | $1,830 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $335 | $360 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,517 | $2,000 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 50% | 55% |
| Owned with a mortgageAustralia 35% | 29% | 28% |
| Owned outrightAustralia 31% | 20% | 17% |
| Types of home | ||
| Separate housesAustralia 72% | 85% | 41% |
| Townhouses, terraces and semi-detachedAustralia 13% | 12% | 18% |
| Flats and apartmentsAustralia 14% | 3% | 41% |
| Homes with two bedrooms or fewer | 14% | 50% |
| Homes with four bedrooms or more | 18% | 17% |
| Dwellings unoccupied on Census night | 6% | 7% |
Source: Australian Bureau of Statistics, 2021 Census (CC BY 4.0). Tenure shares exclude households that did not state their tenure. Dwelling shares are of occupied private dwellings.
Home loan considerations in Acacia Ridge and Annerley
Lenders treat houses on land, townhouses and apartments differently, and some apply extra conditions to small apartments, high-density buildings or particular postcodes. These are the points each guide raises.
Acacia Ridge
- First home buyers
- Investors
- Median weekly household income of $1,313 against $1,746 nationally makes assessed serviceability the constraint.
- Lenders mortgage insurance is likely where the deposit is small, and insurers apply their own policies.
- Properties adjoining industrial land can attract a lower maximum loan-to-value ratio with some lenders.
- An environmental management register and contaminated land register search is reasonable near industrial land.
- With 1,759 three-bedroom dwellings, comparable sales are plentiful and valuation risk is comparatively low.
Annerley
- First home buyers
- Investors
- Upgraders
- Minimum internal floor area rules affect part of the unit stock, including 642 one-bedroom dwellings and 33 studios.
- Body corporate levies count as a committed expense and reduce assessed borrowing capacity.
- Single-development exposure limits can restrict lending in the newer projects near Ipswich Road.
- Ekibin Creek flooding and overland flow should be checked through a FloodWise Property Report for the address.
- Character planning controls can raise the cost of repairs and alterations on pre-war houses.
Housing stock in Acacia Ridge and Annerley compared
Acacia Ridge
- Post-war houses
- Separate houses numbered 2,230 at the 2021 Census, 84.7 per cent of occupied homes, many of them original.
- Three-bedroom dwellings
- At the 2021 Census, 1,759 of 2,633 occupied dwellings had three bedrooms, an unusually uniform stock.
- Townhouses
- Townhouse and semi-detached dwellings numbered 324, or 12.3 per cent, with only 77 flats or apartments.
Annerley
- Pre-war timber houses
- Separate houses numbered 2,079 at the 2021 Census, 40.9 per cent of occupied homes, many raised on stumps.
- Walk-up flats and apartments
- Flats and apartments numbered 2,071, or 40.8 per cent, close to the same share as houses.
- Townhouses
- Townhouse and semi-detached dwellings numbered 919, or 18.1 per cent, above the national 12.6 per cent.
Official sale price and rent figures for Acacia Ridge and Annerley
Only figures published free of charge by a government agency are shown. Where none is published the space is left empty rather than filled with an estimate. Each guide charts the full series.
Acacia Ridge
No government agency publishes a free median sale price or rent series for Acacia Ridge, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Annerley
No government agency publishes a free median sale price or rent series for Annerley, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Transport, schools and amenities in Acacia Ridge and Annerley
Acacia Ridge
Transport
- Coopers Plains station (train)
- Beaudesert Road buses (bus)
- Beaudesert Road (road)
- Acacia Ridge freight terminal (road)
Schools and campuses
- Watson Road State School (primary, government)
- Our Lady of Fatima Primary School (primary, catholic)
- The Murri School (combined, independent)
Amenities
- Beaudesert Road shops
- Acacia Ridge industrial estate
- Acacia Ridge Leisure Centre
- Sunnybank retail centres
Annerley
Transport
- Fairfield station (train)
- Dutton Park station (train)
- Ipswich Road bus services (bus)
- South East Busway (bus)
- Ipswich Road (road)
Schools and campuses
- Junction Park State School (primary, government)
- Mary Immaculate Primary School (primary, catholic)
- Our Lady's College (secondary, catholic)
Amenities
- Annerley Library
- Hefferan Park
- Annerley Junction shops
- Mary Immaculate Church
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the Queensland education department.
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