Caringbah South vs SutherlandTwo Sydney suburbs compared for a home loan
Caringbah South (NSW 2229) is approximately 25 km south of the Sydney CBD, on Port Hacking. Sutherland (NSW 2232) is approximately 26 km south of the Sydney CBD, at the Shire's rail interchange. At the 2021 Census, Caringbah South had 13,168 residents with a median age of 42, and Sutherland had 11,570 residents with a median age of 37.
The most common occupied dwelling was separate houses in Caringbah South and flats and apartments in Sutherland. Flats and apartments made up 1% of occupied dwellings in Caringbah South and 67% in Sutherland, while 12% of Caringbah South households rented compared with 43% in Sutherland. 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 2232 · Sutherland Shire
Sutherland
Sutherland is the Shire's administrative and rail centre, and its outlier: 66.7 per cent apartments and 42.9 per cent renting, unlike the suburbs around it.
Sutherland Shire. Approximately 26 km south of the Sydney CBD, at the Shire's rail interchange.
Read the full Sutherland guide
What buying in Caringbah South and Sutherland 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 Sutherland.
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 Sutherland 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 Sutherland: 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 | Sutherland |
|---|---|---|
| People and households | ||
| Residents | 13,168 | 11,570 |
| Median ageAustralia 38 | 42 | 37 |
| Average household sizeAustralia 2.5 | 2.9 | 2.1 |
| Median household income, weeklyAustralia $1,746 | $2,721 | $1,949 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $730 | $450 |
| Median mortgage repayment, monthlyAustralia $1,863 | $3,380 | $2,167 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 12% | 43% |
| Owned with a mortgageAustralia 35% | 40% | 33% |
| Owned outrightAustralia 31% | 47% | 23% |
| Types of home | ||
| Separate housesAustralia 72% | 77% | 19% |
| Townhouses, terraces and semi-detachedAustralia 13% | 23% | 14% |
| Flats and apartmentsAustralia 14% | 1% | 67% |
| Homes with two bedrooms or fewer | 7% | 68% |
| Homes with four bedrooms or more | 53% | 10% |
| Dwellings unoccupied on Census night | 3% | 8% |
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 Sutherland
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.
Sutherland
- Investors
- First home buyers
- Downsizers
- Sutherland is a distinct market from the house-dominated suburbs around it.
- Single-development exposure limits apply where apartments came through large complexes.
- One-bedroom dwellings and studios can fall below minimum internal floor areas.
- Comparable evidence is concentrated in two-bedroom apartments.
- Properties near the station and Princes Highway differ in amenity from quieter streets.
Housing stock in Caringbah South and Sutherland 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.
Sutherland
- Apartments around the station
- The 3,433 flats counted at the 2021 Census, 66.7 per cent of occupied homes.
- Two bedroom dwellings
- At 3,150 dwellings, dominating the profile recorded at the 2021 Census.
- A smaller house market
- Separate houses numbered 992 at the 2021 Census, 19.3 per cent of occupied homes.
Official sale price and rent figures for Caringbah South and Sutherland
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.
Sutherland
No government agency publishes a free median sale price or rent series for Sutherland, 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 Sutherland
Caringbah South
Transport
- Caringbah Station (train)
- Sydney buses (bus)
- The Kingsway (road)
Amenities
- Port Hacking foreshore
- Westfield Miranda
- Cronulla beaches
Sutherland
Transport
- Sutherland Station (train)
- Sydney buses (bus)
- Princes Highway (road)
Amenities
- Sutherland town centre
- Woronora River foreshore
- Sutherland 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 Sutherland with another suburb
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Request a free assessment: Caringbah South or Sutherland
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