Christie Downs vs Christies BeachTwo Adelaide suburbs compared for a home loan
Christie Downs (SA 5164) is approximately 28 km south of the Adelaide CBD, inland from Christies Beach. Christies Beach (SA 5165) is approximately 29 km south of the Adelaide CBD, on the Gulf St Vincent coast. At the 2021 Census, Christie Downs had 5,239 residents with a median age of 41, and Christies Beach had 5,962 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 Christie Downs and 3% in Christies Beach, while 47% of Christie Downs households rented compared with 44% in Christies Beach. 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.
SA 5164 · Adelaide's southern suburbs
Christie Downs
Christie Downs is a southern Adelaide suburb with its own Seaford line station, developed from Housing Trust land and now with the area's largest rental share.
City of Onkaparinga. Approximately 28 km south of the Adelaide CBD, inland from Christies Beach.
Read the full Christie Downs guideSA 5165 · Adelaide's southern beaches
Christies Beach
Christies Beach is a southern seaside suburb below Witton Bluff with a beachfront esplanade, a large rental market and active coastal protection works.
City of Onkaparinga. Approximately 29 km south of the Adelaide CBD, on the Gulf St Vincent coast.
Read the full Christies Beach guide
What buying in Christie Downs and Christies Beach 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 Christie Downs and Christies Beach.
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 Christie Downs to see the repayment, transfer duty and upfront cash.
Enter a price for Christies Beach 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.
Christie Downs and Christies Beach: 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 | Christie Downs | Christies Beach |
|---|---|---|
| People and households | ||
| Residents | 5,239 | 5,962 |
| Median ageAustralia 38 | 41 | 39 |
| Average household sizeAustralia 2.5 | 2.2 | 2.2 |
| Median household income, weeklyAustralia $1,746 | $889 | $1,194 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $250 | $325 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,148 | $1,395 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 47% | 44% |
| Owned with a mortgageAustralia 35% | 28% | 29% |
| Owned outrightAustralia 31% | 23% | 26% |
| Types of home | ||
| Separate housesAustralia 72% | 77% | 77% |
| Townhouses, terraces and semi-detachedAustralia 13% | 22% | 19% |
| Flats and apartmentsAustralia 14% | 1% | 3% |
| Homes with two bedrooms or fewer | 18% | 22% |
| Homes with four bedrooms or more | 10% | 15% |
| Dwellings unoccupied on Census night | 8% | 9% |
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 Christie Downs and Christies Beach
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.
Christie Downs
- First home buyers
- Investors
- Upgraders
- Some lenders apply a lower maximum loan-to-value ratio in suburbs with a high concentration of former public housing.
- Median weekly household income of $889 was around half the national figure, so serviceability is frequently the binding constraint.
- High loan-to-value borrowing is common, so lenders mortgage insurance or the Australian Government 5% Deposit Scheme is often relevant.
- Zoning in Housing Trust areas often supports medium-density redevelopment, which affects both value and what can be built.
- Dwellings built before the 1980s may contain asbestos-containing materials, which inspections and some insurers consider.
Christies Beach
- Investors
- First home buyers
- Upgraders
- Downsizers
- Renting is the largest tenure, so many purchases are investment lending, which lenders assess on different terms from owner-occupied loans.
- Coastal hazard mapping can affect building insurance price and terms, and lenders require cover in place at settlement.
- Strata and community corporation levies are counted in serviceability assessments and reduce borrowing power.
- Special levies for exterior and structural repairs can be significant in a marine environment, so corporation records deserve review.
- A marine environment accelerates corrosion and concrete deterioration, which building inspections commonly identify.
Housing stock in Christie Downs and Christies Beach compared
Christie Downs
- Detached Housing Trust era houses
- Separate houses numbered 1,637 at the 2021 Census, 76.9 per cent of occupied homes, many dating from development after the late 1950s.
- Semi-detached and townhouse dwellings
- At 473 dwellings, or 22.2 per cent of occupied homes, attached housing is well above the national share.
- Three-bedroom family homes
- The dominant size at 1,484 dwellings counted at the 2021 Census.
Christies Beach
- Townhouses and villa units
- At 486 dwellings, or 19.1 per cent of occupied homes at the 2021 Census, attached housing is well above the national share.
- Older beachside houses
- Cottages and post-war homes near the esplanade, subject to the maintenance demands of a marine environment.
- Three-bedroom houses
- The most common dwelling size at 1,579 homes counted at the 2021 Census.
- Small apartment groups
- Only 68 flats or apartments were recorded at the 2021 Census, mostly in small older blocks.
Official sale price and rent figures for Christie Downs and Christies Beach
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.
Christie Downs
No government agency publishes a free median sale price or rent series for Christie Downs, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Christies Beach
No government agency publishes a free median sale price or rent series for Christies Beach, 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 Christie Downs and Christies Beach
Christie Downs
Transport
- Christie Downs Station (train)
- Noarlunga Centre Station (train)
- Adelaide Metro buses (bus)
- Main South Road (road)
- Southern Expressway (road)
Amenities
- Noarlunga Centre precinct
- Christie Downs local shops
- Christies Beach
Christies Beach
Transport
- Noarlunga Centre Station (train)
- Christie Downs Station (train)
- Adelaide Metro buses (bus)
- Main South Road (road)
- Southern Expressway (road)
Amenities
- Christies Beach and esplanade
- Beach Road shopping strip
- Witton Bluff Base Trail
- Noarlunga Centre precinct
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the South Australia education department.
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Request a free assessment: Christie Downs or Christies Beach
An accredited mortgage broker can check your borrowing power against prices in Christie Downs and Christies Beach, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.