Baldivis vs Port KennedyTwo Perth suburbs compared for a home loan
Baldivis (WA 6171) is approximately 46 km south of the Perth CBD. Port Kennedy (WA 6172) is approximately 55 km south of the Perth CBD, on Becher Point. At the 2021 Census, Baldivis had 37,697 residents with a median age of 31, and Port Kennedy had 13,477 residents with a median age of 36.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 0% of occupied dwellings in Baldivis and 0% in Port Kennedy, while 22% of Baldivis households rented compared with 23% in Port Kennedy. 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.
WA 6171 · Perth's southern growth corridor
Baldivis
Baldivis is a large growth suburb in the City of Rockingham where four-bedroom detached houses dominate and most households have a mortgage.
City of Rockingham. Approximately 46 km south of the Perth CBD.
Read the full Baldivis guideWA 6172 · Rockingham and the southern coast
Port Kennedy
Port Kennedy is a City of Rockingham coastal suburb built in the 1990s where four-bedroom homes make up 71.6 per cent of occupied dwellings.
City of Rockingham. Approximately 55 km south of the Perth CBD, on Becher Point.
Read the full Port Kennedy guide
What buying in Baldivis and Port Kennedy 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 Baldivis and Port Kennedy.
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 Baldivis to see the repayment, transfer duty and upfront cash.
Enter a price for Port Kennedy 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.
Baldivis and Port Kennedy: 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 | Baldivis | Port Kennedy |
|---|---|---|
| People and households | ||
| Residents | 37,697 | 13,477 |
| Median ageAustralia 38 | 31 | 36 |
| Average household sizeAustralia 2.5 | 2.9 | 2.8 |
| Median household income, weeklyAustralia $1,746 | $2,096 | $1,921 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $360 | $350 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,900 | $1,700 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 22% | 23% |
| Owned with a mortgageAustralia 35% | 60% | 53% |
| Owned outrightAustralia 31% | 16% | 22% |
| Types of home | ||
| Separate housesAustralia 72% | 96% | 94% |
| Townhouses, terraces and semi-detachedAustralia 13% | 3% | 6% |
| Flats and apartmentsAustralia 14% | 0% | 0% |
| Homes with two bedrooms or fewer | 7% | 4% |
| Homes with four bedrooms or more | 70% | 79% |
| Dwellings unoccupied on Census night | 6% | 6% |
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 Baldivis and Port Kennedy
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.
Baldivis
- First home buyers
- Upgraders
- Investors
- High loan-to-value borrowing is common, so lenders mortgage insurance or eligibility for the Australian Government 5% Deposit Scheme is often relevant.
- Construction loans are drawn in stages and valued on an as-if-complete basis, which differs from lending on an established home.
- Ongoing release of new homes nearby can influence how valuers assess recently built houses against established sales.
- Properties designated as bushfire prone may face higher construction standards and insurance costs for new building work.
- Rural residential lots with large land areas may fall outside standard residential lending policy with some lenders.
Port Kennedy
- First home buyers
- Upgraders
- Investors
- Some lenders classify outer suburbs differently for maximum loan-to-value ratios or mortgage insurance.
- Insurers may treat coastal exposure as a rating factor for building cover.
- Salt-laden air accelerates corrosion of external metalwork and fixings.
- Land near the linear wetlands can carry drainage, groundwater and environmental constraints.
- The uniform four-bedroom stock makes valuations more predictable than in varied suburbs.
Housing stock in Baldivis and Port Kennedy compared
Baldivis
- Four-bedroom project homes
- Single-storey brick family homes built by volume builders; four-bedroom dwellings numbered 7,893 at the 2021 Census.
- House and land packages
- Vacant lots in newer estates bought with a separate building contract and funded by a construction loan.
- Cottage lots and compact homes
- Smaller lots in newer estates, some with rear laneway garages, offering a lower entry point than traditional lots.
- Rural residential properties
- Larger holdings on the fringes of the suburb, which some lenders assess under different policy because of land size.
Port Kennedy
- 1990s detached family houses
- Separate houses numbered 4,207 at the 2021 Census, 93.7 per cent of occupied homes.
- Four bedroom homes
- At the 2021 Census, 3,215 dwellings had four bedrooms, 71.6 per cent of occupied homes.
- Townhouses
- The 273 semi-detached or townhouse dwellings counted at the 2021 Census, with no flats.
Official sale price and rent figures for Baldivis and Port Kennedy
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.
Baldivis
No government agency publishes a free median sale price or rent series for Baldivis, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Port Kennedy
No government agency publishes a free median sale price or rent series for Port Kennedy, 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 Baldivis and Port Kennedy
Baldivis
Transport
- Kwinana Freeway (road)
- Safety Bay Road (road)
- Warnbro Station (train)
- Transperth Baldivis bus routes (bus)
Schools and campuses
- Baldivis Primary School (primary, government)
- Baldivis Secondary College (secondary, government)
- Ridge View Secondary College (secondary, government)
- Tranby College (combined, independent)
- Mother Teresa Catholic College (combined, catholic)
Amenities
- Stockland Baldivis
- Mary Davies Library and Community Centre
- Baldivis Indoor Sports Complex
- Baldivis South Community Centre
Port Kennedy
Transport
- Warnbro Station (train)
- Lakelands Station (train)
- Transperth buses (bus)
- Ennis Avenue (road)
- Kwinana Freeway (road)
Amenities
- Port Kennedy Scientific Park
- Port Kennedy foreshore
- Port Kennedy shopping centre
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the Western Australia education department.
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Request a free assessment: Baldivis or Port Kennedy
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