Christies Beach vs Huntfield HeightsTwo Adelaide suburbs compared for a home loan
Christies Beach (SA 5165) is approximately 29 km south of the Adelaide CBD, on the Gulf St Vincent coast. Huntfield Heights (SA 5163) is approximately 30 km south of the Adelaide CBD, between Main South Road and the Southern Expressway. At the 2021 Census, Christies Beach had 5,962 residents with a median age of 39, and Huntfield Heights had 4,199 residents with a median age of 37.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 3% of occupied dwellings in Christies Beach and 3% in Huntfield Heights, while 44% of Christies Beach households rented compared with 32% in Huntfield Heights. 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 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 guideSA 5163 · Adelaide's southern suburbs
Huntfield Heights
Huntfield Heights is a compact southern Adelaide suburb of almost entirely detached houses, renamed in the 1990s and bounded by two major roads.
City of Onkaparinga. Approximately 30 km south of the Adelaide CBD, between Main South Road and the Southern Expressway.
Read the full Huntfield Heights guide
What buying in Christies Beach and Huntfield Heights 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 Christies Beach and Huntfield Heights.
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 Christies Beach to see the repayment, transfer duty and upfront cash.
Enter a price for Huntfield Heights 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.
Christies Beach and Huntfield Heights: 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 | Christies Beach | Huntfield Heights |
|---|---|---|
| People and households | ||
| Residents | 5,962 | 4,199 |
| Median ageAustralia 38 | 39 | 37 |
| Average household sizeAustralia 2.5 | 2.2 | 2.4 |
| Median household income, weeklyAustralia $1,746 | $1,194 | $1,239 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $325 | $290 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,395 | $1,237 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 44% | 32% |
| Owned with a mortgageAustralia 35% | 29% | 47% |
| Owned outrightAustralia 31% | 26% | 21% |
| Types of home | ||
| Separate housesAustralia 72% | 77% | 96% |
| Townhouses, terraces and semi-detachedAustralia 13% | 19% | 1% |
| Flats and apartmentsAustralia 14% | 3% | 3% |
| Homes with two bedrooms or fewer | 22% | 8% |
| Homes with four bedrooms or more | 15% | 19% |
| Dwellings unoccupied on Census night | 9% | 5% |
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 Christies Beach and Huntfield Heights
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.
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.
Huntfield Heights
- First home buyers
- Investors
- Upgraders
- Outright ownership was only 21.1 per cent at the 2021 Census, so most households carry a mortgage and budgets are repayment sensitive.
- High loan-to-value borrowing is common, so lenders mortgage insurance or the Australian Government 5% Deposit Scheme is often relevant.
- Properties fronting Honeypot Road, Main South Road or the Southern Expressway may be affected by traffic noise.
- Uniform stock makes valuations predictable, but also makes a price above recent comparable sales easy to test.
- Homes built before the 1980s may contain asbestos-containing materials, which inspections and some insurers consider.
Housing stock in Christies Beach and Huntfield Heights compared
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.
Huntfield Heights
- Detached houses
- Separate houses numbered 1,529 at the 2021 Census, 96.3 per cent of occupied homes, mostly single-storey on regular allotments.
- Three-bedroom family homes
- The dominant size at 1,145 dwellings counted at the 2021 Census, followed by 268 with four bedrooms.
- Flats and apartments
- Only 44 were recorded at the 2021 Census, and just 18 semi-detached or townhouse dwellings, so attached stock is scarce.
Official sale price and rent figures for Christies Beach and Huntfield Heights
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.
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.
Huntfield Heights
No government agency publishes a free median sale price or rent series for Huntfield Heights, 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 Christies Beach and Huntfield Heights
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
Huntfield Heights
Transport
- Noarlunga Centre Station (train)
- Seaford Meadows Station (train)
- Adelaide Metro buses (bus)
- Southern Expressway (road)
- Main South Road (road)
Amenities
- Huntfield Heights local shops
- 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: Christies Beach or Huntfield Heights
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