Caringbah South vs EngadineTwo Sydney suburbs compared for a home loan
Caringbah South (NSW 2229) is approximately 25 km south of the Sydney CBD, on Port Hacking. Engadine (NSW 2233) is approximately 32 km south of the Sydney CBD, beside the Royal National Park. At the 2021 Census, Caringbah South had 13,168 residents with a median age of 42, and Engadine had 17,736 residents with a median age of 39.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 1% of occupied dwellings in Caringbah South and 13% in Engadine, while 12% of Caringbah South households rented compared with 14% in Engadine. 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 2229 · Sutherland Shire
Caringbah South
Caringbah South is a Sutherland Shire waterside suburb with the highest median rent in these guides at $730 a week and only 30 apartments in total.
Sutherland Shire. Approximately 25 km south of the Sydney CBD, on Port Hacking.
Read the full Caringbah South guideNSW 2233 · Sutherland Shire
Engadine
Engadine is a Sutherland Shire family suburb beside the Royal National Park, where 47.6 per cent of households hold a mortgage and only 13.6 per cent rent.
Sutherland Shire. Approximately 32 km south of the Sydney CBD, beside the Royal National Park.
Read the full Engadine guide
What buying in Caringbah South and Engadine 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 Caringbah South and Engadine.
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 Caringbah South to see the repayment, transfer duty and upfront cash.
Enter a price for Engadine 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.
Caringbah South and Engadine: 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 | Caringbah South | Engadine |
|---|---|---|
| People and households | ||
| Residents | 13,168 | 17,736 |
| Median ageAustralia 38 | 42 | 39 |
| Average household sizeAustralia 2.5 | 2.9 | 2.9 |
| Median household income, weeklyAustralia $1,746 | $2,721 | $2,303 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $730 | $500 |
| Median mortgage repayment, monthlyAustralia $1,863 | $3,380 | $2,600 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 12% | 14% |
| Owned with a mortgageAustralia 35% | 40% | 48% |
| Owned outrightAustralia 31% | 47% | 38% |
| Types of home | ||
| Separate housesAustralia 72% | 77% | 79% |
| Townhouses, terraces and semi-detachedAustralia 13% | 23% | 8% |
| Flats and apartmentsAustralia 14% | 1% | 13% |
| Homes with two bedrooms or fewer | 7% | 15% |
| Homes with four bedrooms or more | 53% | 42% |
| Dwellings unoccupied on Census night | 3% | 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 Caringbah South and Engadine
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.
Caringbah South
- Upgraders
- Downsizers
- Investors
- Median monthly repayments of $3,380 are among the highest in these guides.
- Sea walls, jetties and retaining structures may be owner responsibilities.
- Waterfront homes are not directly comparable, so upper-end valuations are less predictable.
- Some lenders apply a lower maximum loan-to-value ratio above value thresholds.
- Only 11.7 per cent of households rented, so the tenant pool is small.
Engadine
- Upgraders
- First home buyers
- Downsizers
- Blocks backing onto the Royal National Park are realistically bush fire prone.
- Complying development is unavailable on BAL-40 and BAL-FZ land, requiring a full DA.
- Bushfire mapping can raise insurance premiums and make cover harder to place.
- Only 13.6 per cent of households rented, so the tenant pool is small.
- Median monthly repayments of $2,600 mean serviceability usually binds before deposit.
Housing stock in Caringbah South and Engadine compared
Caringbah South
- Detached family houses
- Separate houses numbered 3,383 at the 2021 Census, 76.6 per cent of occupied homes.
- Townhouses
- At 999 dwellings, or 22.6 per cent of occupied homes at the 2021 Census.
- Almost no apartments
- Only 30 flats were counted among 4,419 occupied private dwellings at the 2021 Census.
Engadine
- Detached family houses
- Separate houses numbered 4,776 at the 2021 Census, 79.4 per cent of occupied homes.
- Three and four bedroom homes
- At the 2021 Census, 2,580 dwellings had three bedrooms and 1,899 had four, with 606 having five or more.
- Apartments near the station
- The 764 flats counted at the 2021 Census, 12.7 per cent of occupied homes.
Official sale price and rent figures for Caringbah South and Engadine
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.
Caringbah South
No government agency publishes a free median sale price or rent series for Caringbah South, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Engadine
No government agency publishes a free median sale price or rent series for Engadine, 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 Caringbah South and Engadine
Caringbah South
Transport
- Caringbah Station (train)
- Sydney buses (bus)
- The Kingsway (road)
Amenities
- Port Hacking foreshore
- Westfield Miranda
- Cronulla beaches
Engadine
Transport
- Engadine Station (train)
- Sydney buses (bus)
- Princes Highway (road)
Amenities
- Engadine town centre
- Royal National Park
- Engadine Leisure Centre
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.
Compare Caringbah South or Engadine with another suburb
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Request a free assessment: Caringbah South or Engadine
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