Andrews Farm vs Gawler EastTwo Adelaide suburbs compared for a home loan
Andrews Farm (SA 5114) is approximately 31 km north of the Adelaide CBD, between the Northern Expressway and Stebonheath Road. Gawler East (SA 5118) is approximately 42 km north of the Adelaide CBD, on rising ground east of Gawler. At the 2021 Census, Andrews Farm had 8,699 residents with a median age of 28, and Gawler East had 5,689 residents with a median age of 46.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 0% of occupied dwellings in Andrews Farm and 2% in Gawler East, while 40% of Andrews Farm households rented compared with 18% in Gawler East. 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.
SA 5114 · Adelaide's northern growth corridor
Andrews Farm
Andrews Farm is a young northern Adelaide estate suburb founded in 1991, where the median age is 28 and only one household in nine owns outright.
City of Playford. Approximately 31 km north of the Adelaide CBD, between the Northern Expressway and Stebonheath Road.
Read the full Andrews Farm guideSA 5118 · Gawler
Gawler East
Gawler East is a town on rising ground east of Gawler, mixing early settlement housing with estates still being developed, and home to Gawler Hospital.
Town of Gawler. Approximately 42 km north of the Adelaide CBD, on rising ground east of Gawler.
Read the full Gawler East guide
What buying in Andrews Farm and Gawler East 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 Andrews Farm and Gawler East.
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 Andrews Farm to see the repayment, transfer duty and upfront cash.
Enter a price for Gawler East 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.
Andrews Farm and Gawler East: 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 | Andrews Farm | Gawler East |
|---|---|---|
| People and households | ||
| Residents | 8,699 | 5,689 |
| Median ageAustralia 38 | 28 | 46 |
| Average household sizeAustralia 2.5 | 2.9 | 2.4 |
| Median household income, weeklyAustralia $1,746 | $1,465 | $1,569 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $300 | $300 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,300 | $1,508 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 40% | 18% |
| Owned with a mortgageAustralia 35% | 48% | 43% |
| Owned outrightAustralia 31% | 11% | 35% |
| Types of home | ||
| Separate housesAustralia 72% | 95% | 90% |
| Townhouses, terraces and semi-detachedAustralia 13% | 5% | 8% |
| Flats and apartmentsAustralia 14% | 0% | 2% |
| Homes with two bedrooms or fewer | 5% | 13% |
| Homes with four bedrooms or more | 36% | 38% |
| Dwellings unoccupied on Census night | 5% | 5% |
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 Andrews Farm and Gawler East
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.
Andrews Farm
- First home buyers
- Investors
- Upgraders
- Outright ownership was only 11.1 per cent at the 2021 Census, so budgets are unusually sensitive to changes in repayments.
- High loan-to-value borrowing is common, so lenders mortgage insurance or the Australian Government 5% Deposit Scheme is often relevant.
- Streets of near-identical houses, with new homes still being released nearby, make it easy for a valuer to test a price.
- Construction loans for house and land purchases are drawn in stages and valued on an as-if-complete basis.
- Developer encumbrances controlling design and external appearance may remain registered on titles.
Gawler East
- Upgraders
- Downsizers
- First home buyers
- Investors
- Housing ages range from early settlement to 2010s estates, so comparable sales need care and valuations vary.
- Gawler River floodplain mapping applies across the catchment and can affect building insurance terms.
- Sloping ground affects construction, retaining and access on individual allotments.
- A proposed new road to Evanston Park should not be assumed to be built when assessing future access.
- Construction loans for new estate builds are drawn in stages and valued on an as-if-complete basis.
Housing stock in Andrews Farm and Gawler East compared
Andrews Farm
- Modern detached houses
- Separate houses numbered 2,761 at the 2021 Census, 95.4 per cent of occupied homes, built from the 1990s onward.
- Three and four bedroom family homes
- At the 2021 Census, 1,659 dwellings had three bedrooms and 909 had four, reflecting a young family market.
- Townhouses and semi-detached dwellings
- Only 135 were counted at the 2021 Census, and no flats or apartments were recorded at all.
Gawler East
- Detached houses
- Separate houses numbered 1,959 at the 2021 Census, 90.0 per cent of occupied homes, above the national 72.3 per cent.
- Modern estate homes
- Newer housing estates were still being developed into the 2010s, so a share of the stock is comparatively recent.
- Early settlement dwellings
- Some parts of the suburb date from as early as the settlement of Gawler, with the inspection issues of that age.
Official sale price and rent figures for Andrews Farm and Gawler East
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.
Andrews Farm
No government agency publishes a free median sale price or rent series for Andrews Farm, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Gawler East
No government agency publishes a free median sale price or rent series for Gawler East, 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 Andrews Farm and Gawler East
Andrews Farm
Transport
- Smithfield Station (train)
- Adelaide Metro buses (bus)
- Northern Expressway (road)
- Curtis Road (road)
- Main North Road (road)
Amenities
- Munno Para Shopping City
- Elizabeth city centre
- Andrews Farm local reserves
Gawler East
Transport
- Gawler Central Station (train)
- Adelaide Metro buses (bus)
- Barossa Valley Way (Lyndoch Road) (road)
- Calton Road (road)
Amenities
- Gawler Hospital
- Gawler town centre
- Gawler East reserves
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the South Australia education department.
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Request a free assessment: Andrews Farm or Gawler East
An accredited mortgage broker can check your borrowing power against prices in Andrews Farm and Gawler East, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.