Byford vs HilbertTwo Perth suburbs compared for a home loan
Byford (WA 6122) is approximately 33 km south-east of the Perth CBD, at the foot of the Darling Scarp. Hilbert (WA 6112) is approximately 33 km south-east of the Perth CBD, on the city's fringe. At the 2021 Census, Byford had 18,878 residents with a median age of 31, and Hilbert had 4,165 residents with a median age of 29.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 0% of occupied dwellings in Byford and 0% in Hilbert, while 16% of Byford households rented compared with 14% in Hilbert. 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 6122 · Outer south-east metropolitan Perth
Byford
Byford is a fast-growing estate suburb in the Shire of Serpentine-Jarrahdale, below the Darling Scarp, with a new Armadale Line terminus station.
Shire of Serpentine-Jarrahdale. Approximately 33 km south-east of the Perth CBD, at the foot of the Darling Scarp.
Read the full Byford guideWA 6112 · South-eastern growth corridor of Perth
Hilbert
Hilbert is a City of Armadale fringe suburb subdivided from the 2010s, with the highest mortgage share of any suburb in these guides at 78.4 per cent.
City of Armadale. Approximately 33 km south-east of the Perth CBD, on the city's fringe.
Read the full Hilbert guide
What buying in Byford and Hilbert 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 Byford and Hilbert.
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 Byford to see the repayment, transfer duty and upfront cash.
Enter a price for Hilbert 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.
Byford and Hilbert: 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 | Byford | Hilbert |
|---|---|---|
| People and households | ||
| Residents | 18,878 | 4,165 |
| Median ageAustralia 38 | 31 | 29 |
| Average household sizeAustralia 2.5 | 3.0 | 2.9 |
| Median household income, weeklyAustralia $1,746 | $2,059 | $2,073 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $380 | $370 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,898 | $1,800 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 16% | 14% |
| Owned with a mortgageAustralia 35% | 70% | 78% |
| Owned outrightAustralia 31% | 14% | 8% |
| Types of home | ||
| Separate housesAustralia 72% | 99% | 100% |
| Townhouses, terraces and semi-detachedAustralia 13% | 1% | 0% |
| Flats and apartmentsAustralia 14% | 0% | 0% |
| Homes with two bedrooms or fewer | 2% | 1% |
| Homes with four bedrooms or more | 72% | 58% |
| Dwellings unoccupied on Census night | 6% | 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 Byford and Hilbert
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.
Byford
- First home buyers
- Upgraders
- Investors
- Construction loans are drawn in stages against a fixed-price building contract, with interest charged on the amount drawn during the build.
- Items outside the building contract, such as site works variations, flooring, fencing and landscaping, are funded by the borrower and need a contingency.
- A valuation for a house and land package can come in below the combined land and building price, which matters most where the deposit is small.
- Most of Byford is designated bush fire prone, which can raise construction standards, building costs and insurance premiums.
- Rural-residential lots toward the scarp may exceed the land area that some lenders accept on standard residential terms.
- Offers on established houses are binding once accepted, with no mandatory cooling-off period, so finance and inspection conditions belong in the offer itself.
Hilbert
- First home buyers
- Upgraders
- At 78.4 per cent mortgaged and 7.9 per cent outright, budgets are the most repayment sensitive in these guides.
- Established resales compete directly with new homes the developer is still releasing.
- The Hilbert Road Swamp wetland can bring groundwater, drainage, filling and clearing constraints nearby.
- Semi-rural fringe land is more likely to be designated bush fire prone, adding construction cost.
- Construction loans are drawn in stages and valued on an as-if-complete basis.
Housing stock in Byford and Hilbert compared
Byford
- Four-bedroom estate houses
- Single-storey brick homes on estate lots; four-bedroom dwellings numbered 3,944 at the 2021 Census.
- Three-bedroom houses
- The 2021 Census counted 1,463 three-bedroom homes, the main alternative to the four-bedroom standard.
- House and land packages
- Vacant estate lots paired with a separate fixed-price building contract, usually financed with a construction loan.
- Rural-residential properties
- Large lots toward the Darling Scarp in the Rural Residential zone, where bush fire prone designation is extensive.
Hilbert
- Modern detached estate homes
- Separate houses numbered 1,375 at the 2021 Census, 99.6 per cent of occupied homes, the highest share in these guides.
- Four-bedroom family homes
- The most common size at 754 dwellings counted at the 2021 Census, against 539 with three bedrooms.
- House and land packages
- Vacant lots in the continuing subdivision of this semi-rural fringe, funded by a construction loan.
Official sale price and rent figures for Byford and Hilbert
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.
Byford
No government agency publishes a free median sale price or rent series for Byford, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Hilbert
No government agency publishes a free median sale price or rent series for Hilbert, 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 Byford and Hilbert
Byford
Transport
- Byford Station (train)
- Route 251 (bus)
- Routes 254, 255 and 256 (bus)
- Routes 259 and 262 (bus)
- South Western Highway (road)
- Tonkin Highway Extension (road)
Schools and campuses
- Byford Secondary College (secondary, government)
- Byford Primary School (primary, government)
- Marri Grove Primary School (primary, government)
- West Byford Primary School (primary, government)
- Salvado Catholic College (combined, catholic)
- Byford John Calvin School (primary, independent)
Amenities
- SJ Community Recreation Centre
- Briggs Park, Byford Skate Park and Bike Pump Track
- Byford Library
- Byford Village
- Darling Range Regional Park
- Armadale Health Service (Mount Nasura)
Hilbert
Transport
- Armadale Station (train)
- Byford Station (train)
- Transperth buses (bus)
- Armadale Road (road)
Amenities
- Armadale district centre
- Hilbert Road Swamp wetland
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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