Cockburn Central vs Hammond ParkTwo Perth suburbs compared for a home loan
Cockburn Central (WA 6164) is approximately 24 km south of the Perth CBD, on the Kwinana Freeway and the Mandurah line. Hammond Park (WA 6164) is approximately 25 km south of the Perth CBD, east of the Kwinana Freeway. At the 2021 Census, Cockburn Central had 1,521 residents with a median age of 31, and Hammond Park had 6,985 residents with a median age of 31.
The most common occupied dwelling was flats and apartments in Cockburn Central and separate houses in Hammond Park. Flats and apartments made up 73% of occupied dwellings in Cockburn Central and 1% in Hammond Park, while 63% of Cockburn Central households rented compared with 24% in Hammond Park. 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 6164 · Southern suburbs of Perth
Cockburn Central
Cockburn Central is a transit-oriented suburb created in 2007 around its station, where 73.0 per cent of homes are apartments and 63.3 per cent of households rent.
City of Cockburn. Approximately 24 km south of the Perth CBD, on the Kwinana Freeway and the Mandurah line.
Read the full Cockburn Central guideWA 6164 · Southern suburbs of Perth
Hammond Park
Hammond Park is a City of Cockburn estate suburb created in 2002 from Banjup, where 66.0 per cent of households hold a mortgage and four-bedroom homes dominate.
City of Cockburn. Approximately 25 km south of the Perth CBD, east of the Kwinana Freeway.
Read the full Hammond Park guide
What buying in Cockburn Central and Hammond Park 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 Cockburn Central and Hammond Park.
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 Cockburn Central to see the repayment, transfer duty and upfront cash.
Enter a price for Hammond Park 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.
Cockburn Central and Hammond Park: 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 | Cockburn Central | Hammond Park |
|---|---|---|
| People and households | ||
| Residents | 1,521 | 6,985 |
| Median ageAustralia 38 | 31 | 31 |
| Average household sizeAustralia 2.5 | 1.9 | 2.9 |
| Median household income, weeklyAustralia $1,746 | $1,626 | $2,446 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $355 | $410 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,517 | $2,000 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 63% | 24% |
| Owned with a mortgageAustralia 35% | 26% | 66% |
| Owned outrightAustralia 31% | 9% | 10% |
| Types of home | ||
| Separate housesAustralia 72% | 27% | 85% |
| Townhouses, terraces and semi-detachedAustralia 13% | 1% | 14% |
| Flats and apartmentsAustralia 14% | 73% | 1% |
| Homes with two bedrooms or fewer | 71% | 4% |
| Homes with four bedrooms or more | 18% | 61% |
| Dwellings unoccupied on Census night | 13% | 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 Cockburn Central and Hammond Park
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.
Cockburn Central
- Investors
- First home buyers
- Single-development exposure limits bind readily in a suburb of only 745 occupied dwellings.
- One and two bedroom dwellings can fall below lenders' minimum internal floor areas.
- Strata levies are counted in serviceability assessments and reduce borrowing power.
- Renting at 63.3 per cent means most purchases are assessed as investment lending.
- An older industrial area sits alongside the residential town centre.
Hammond Park
- First home buyers
- Upgraders
- Investors
- Estate design guidelines and restrictive covenants run with the land and bind later buyers.
- A house and land package is usually two contracts, for the land and for the build.
- A construction loan draws down in stages against an as-if-complete valuation.
- Some lenders apply postcode-based limits to high loan-to-value lending in growth corridors.
- Older records may refer to the land as Banjup, from which the suburb was carved in 2002.
Housing stock in Cockburn Central and Hammond Park compared
Cockburn Central
- High-rise apartments
- The 544 flats counted at the 2021 Census, 73.0 per cent of occupied homes.
- One and two bedroom dwellings
- At the 2021 Census, 379 dwellings had two bedrooms and 149 had one.
- Detached houses
- Separate houses numbered 200 at the 2021 Census, only 26.8 per cent of occupied homes.
Hammond Park
- Estate housing from 2002 onward
- Separate houses numbered 2,006 at the 2021 Census, 85.5 per cent of occupied homes.
- Four bedroom family homes
- At the 2021 Census, 1,343 dwellings had four bedrooms against 822 with three.
- Townhouses and villa units
- The 332 semi-detached or townhouse dwellings counted at the 2021 Census, with only 14 flats.
Official sale price and rent figures for Cockburn Central and Hammond Park
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.
Cockburn Central
No government agency publishes a free median sale price or rent series for Cockburn Central, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Hammond Park
No government agency publishes a free median sale price or rent series for Hammond Park, 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 Cockburn Central and Hammond Park
Cockburn Central
Transport
- Cockburn Central Station (train)
- Transperth buses (bus)
- Kwinana Freeway (road)
- Armadale Road (road)
Amenities
- Cockburn ARC
- Cockburn Gateway shopping centre
- Cockburn Central town square
Hammond Park
Transport
- Cockburn Central Station (train)
- Transperth buses (bus)
- Kwinana Freeway (road)
- Russell Road (road)
Amenities
- Frankland Park Sports and Community Facility
- Hammond Park local shops
- Cockburn Gateway shopping centre
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.
Compare Cockburn Central or Hammond Park with another suburb
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Request a free assessment: Cockburn Central or Hammond Park
An accredited mortgage broker can check your borrowing power against prices in Cockburn Central and Hammond Park, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.