Camillo vs HilbertTwo Perth suburbs compared for a home loan
Camillo (WA 6111) is approximately 24 km south-east of the Perth CBD, east of Kelmscott. Hilbert (WA 6112) is approximately 33 km south-east of the Perth CBD, on the city's fringe. At the 2021 Census, Camillo had 4,442 residents with a median age of 37, 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 Camillo and 0% in Hilbert, while 26% of Camillo 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 6111 · South-eastern suburbs of Perth
Camillo
Camillo is a City of Armadale suburb that was named Westfield until 2008, built almost entirely of detached houses with a young family profile.
City of Armadale. Approximately 24 km south-east of the Perth CBD, east of Kelmscott.
Read the full Camillo 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 Camillo 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 Camillo 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 Camillo 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.
Camillo 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 | Camillo | Hilbert |
|---|---|---|
| People and households | ||
| Residents | 4,442 | 4,165 |
| Median ageAustralia 38 | 37 | 29 |
| Average household sizeAustralia 2.5 | 2.6 | 2.9 |
| Median household income, weeklyAustralia $1,746 | $1,279 | $2,073 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $280 | $370 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,300 | $1,800 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 26% | 14% |
| Owned with a mortgageAustralia 35% | 46% | 78% |
| Owned outrightAustralia 31% | 27% | 8% |
| Types of home | ||
| Separate housesAustralia 72% | 95% | 100% |
| Townhouses, terraces and semi-detachedAustralia 13% | 4% | 0% |
| Flats and apartmentsAustralia 14% | 0% | 0% |
| Homes with two bedrooms or fewer | 5% | 1% |
| Homes with four bedrooms or more | 33% | 58% |
| Dwellings unoccupied on Census night | 10% | 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 Camillo 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.
Camillo
- First home buyers
- Upgraders
- Investors
- The suburb was named Westfield until mid-2008, so older records use a different name.
- It was part of Kelmscott until 1978, and Champion Lakes separated from it in 2002.
- Some lenders apply a lower maximum loan-to-value ratio where former public housing is concentrated.
- Median weekly household income of $1,279 means serviceability usually binds before deposit.
- Low-maintenance stock is scarce, with only 66 townhouses and eight flats recorded.
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 Camillo and Hilbert compared
Camillo
- Detached houses
- Separate houses numbered 1,543 at the 2021 Census, 95.5 per cent of occupied homes.
- Three-bedroom homes
- The dominant size at 979 dwellings counted at the 2021 Census, against 444 with four bedrooms.
- Townhouses and flats
- Only 66 semi-detached or townhouse dwellings and eight flats were counted at the 2021 Census.
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 Camillo 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.
Camillo
No government agency publishes a free median sale price or rent series for Camillo, 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 Camillo and Hilbert
Camillo
Transport
- Kelmscott Station (train)
- Armadale Station (train)
- Route 243 (bus)
- Albany Highway (road)
Schools and campuses
- Westfield Park Primary School (primary, government)
- Grovelands Primary School (primary, government)
- John Wollaston Anglican Community School (combined, independent)
Amenities
- Camillo local shops
- Armadale district centre
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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Request a free assessment: Camillo or Hilbert
An accredited mortgage broker can check your borrowing power against prices in Camillo and Hilbert, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.