Blacktown vs Quakers HillTwo Sydney suburbs compared for a home loan
Blacktown (NSW 2148) is approximately 35 km west of the Sydney CBD. Quakers Hill (NSW 2763) is approximately 38 km north-west of the Sydney CBD, on the T1 line. At the 2021 Census, Blacktown had 50,961 residents with a median age of 34, and Quakers Hill had 27,893 residents with a median age of 35.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 16% of occupied dwellings in Blacktown and 3% in Quakers Hill, while 44% of Blacktown households rented compared with 30% in Quakers Hill. 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.
NSW 2148 · Western Sydney
Blacktown
A buyer's guide to Blacktown NSW 2148: family houses on larger lots, a major rail junction, a renewing city centre, flood checks and lending matters.
Blacktown City Council. Approximately 35 km west of the Sydney CBD.
Read the full Blacktown guideNSW 2763 · North-west growth corridor
Quakers Hill
Quakers Hill is an established Blacktown suburb of 27,893 residents where townhouses hold 25.5 per cent of homes and 46.8 per cent hold a mortgage.
Blacktown. Approximately 38 km north-west of the Sydney CBD, on the T1 line.
Read the full Quakers Hill guide
What buying in Blacktown and Quakers Hill 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 Blacktown and Quakers Hill.
Your prices and deposit
Enter the price you are seeing in each suburb. BorrowWise does not quote prices, so the comparison uses yours.
- Loan amount
- $1,227,476
- Loan to value ratio
- 92.2%
- Transfer duty, New South Wales
- $51,697
- Lenders mortgage insurance
- $49,476
- Upfront cash needed
- $154,697
Enter a price for Quakers Hill 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.
Blacktown and Quakers Hill: 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 | Blacktown | Quakers Hill |
|---|---|---|
| People and households | ||
| Residents | 50,961 | 27,893 |
| Median ageAustralia 38 | 34 | 35 |
| Average household sizeAustralia 2.5 | 2.9 | 3.1 |
| Median household income, weeklyAustralia $1,746 | $1,774 | $2,310 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $400 | $450 |
| Median mortgage repayment, monthlyAustralia $1,863 | $2,094 | $2,300 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 44% | 30% |
| Owned with a mortgageAustralia 35% | 32% | 47% |
| Owned outrightAustralia 31% | 22% | 23% |
| Types of home | ||
| Separate housesAustralia 72% | 65% | 71% |
| Townhouses, terraces and semi-detachedAustralia 13% | 19% | 25% |
| Flats and apartmentsAustralia 14% | 16% | 3% |
| Homes with two bedrooms or fewer | 28% | 7% |
| Homes with four bedrooms or more | 27% | 45% |
| Dwellings unoccupied on Census night | 7% | 4% |
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 Blacktown and Quakers Hill
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.
Blacktown
- First home buyers
- Upgraders
- Investors
- Unapproved structures, including converted garages and uncertified secondary dwellings, may be excluded from a valuation or queried by a lender.
- Lenders differ in how they treat rental income from an approved secondary dwelling when assessing borrowing power.
- Knock-down rebuild and secondary dwelling projects generally require a construction loan with staged progress payments.
- Older houses may contain asbestos-containing materials or timber pest damage, which can affect valuation and renovation costs.
- A council flood advice letter can clarify flood levels for a property near a creek or overland flow path before finance and insurance are finalised.
Quakers Hill
- First home buyers
- Upgraders
- Investors
- Established townhouse complexes warrant close review of sinking fund adequacy.
- A special levy for major works is a realistic prospect in an older scheme.
- Single-development exposure limits apply to any particular townhouse complex.
- A lender assesses the applicants' income, not the whole household's.
- Outright ownership is far higher here than in the newer estates nearby.
Housing stock in Blacktown and Quakers Hill compared
Blacktown
- Detached houses
- Post-war cottages, brick homes and newer two storey rebuilds on traditional lots make up about two thirds of occupied dwellings.
- Townhouses and villas
- Widely built on consolidated lots, offering three bedroom accommodation with a smaller land component.
- Low-rise and mid-rise units
- Concentrated within reach of the station and city centre, with few high-rise towers.
- Secondary dwellings
- Rear dwellings are common on larger lots, and approval and certification are worth confirming.
Quakers Hill
- Detached houses
- Separate houses numbered 6,155 at the 2021 Census, 71.2 per cent of occupied homes.
- Townhouses
- At 2,202 dwellings, or 25.5 per cent of occupied homes, double the national share.
- Three and four bedroom homes
- At the 2021 Census, 4,060 dwellings had three bedrooms and 3,240 had four.
Official sale price and rent figures for Blacktown and Quakers Hill
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.
Blacktown
- Median dwelling price, 2026 Q1 (postcode 2148)
- $1,033,000
- Median house price, 2026 Q1 (postcode 2148)
- $1,278,000
- Median unit price, 2026 Q1 (postcode 2148)
- $509,000
- Median weekly rent, 3 bedroom house, 2026 Q2 (postcode 2148)
- $650
- Median weekly rent, 2 bedroom flat/unit, 2026 Q2 (postcode 2148)
- $570
Source: NSW Department of Communities and Justice.
Quakers Hill
No government agency publishes a free median sale price or rent series for Quakers Hill, 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 Blacktown and Quakers Hill
Blacktown
Transport
- Blacktown Station (train)
- Richmond line junction (train)
- Blacktown bus interchange (bus)
- North-West T-way (bus)
Schools and campuses
- Blacktown South Public School (primary, government)
- Blacktown Boys High School (secondary, government)
- Blacktown Girls High School (secondary, government)
- Patrician Brothers' College Blacktown (secondary, catholic)
- Australian Catholic University, Blacktown campus (tertiary, university)
- TAFE NSW Blacktown (tertiary, tafe)
Amenities
- Blacktown Hospital
- Westpoint Blacktown
- Blacktown Showground Precinct (Francis Park)
- Blacktown Arts
- Warrick Lane precinct and civic plaza
Quakers Hill
Transport
- Quakers Hill Station (train)
- Sydney buses (bus)
- M7 Motorway (road)
Amenities
- Quakers Hill local shops
- Blacktown town centre
- Quakers Hill parklands
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the New South Wales education department.
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