Craigie vs KingsleyTwo Perth suburbs compared for a home loan
Craigie (WA 6025) is approximately 21 km north of the Perth CBD, one of the four Whitfords suburbs. Kingsley (WA 6026) is approximately 19 km north of the Perth CBD, around Lake Goollelal. At the 2021 Census, Craigie had 6,456 residents with a median age of 35, and Kingsley had 13,204 residents with a median age of 44.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 1% of occupied dwellings in Craigie and 0% in Kingsley, while 24% of Craigie households rented compared with 12% in Kingsley. 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 6025 · Northern suburbs of Perth
Craigie
Craigie is a northern Perth suburb from the 1969 Whitfords rezoning, with a young population, three-bedroom stock and a quarter of households renting.
City of Joondalup. Approximately 21 km north of the Perth CBD, one of the four Whitfords suburbs.
Read the full Craigie guideWA 6026 · Northern suburbs of Perth
Kingsley
Kingsley is an established northern Perth suburb divided by Lake Goollelal, built of large family homes with almost no apartments.
City of Joondalup. Approximately 19 km north of the Perth CBD, around Lake Goollelal.
Read the full Kingsley guide
What buying in Craigie and Kingsley 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 Craigie and Kingsley.
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 Craigie to see the repayment, transfer duty and upfront cash.
Enter a price for Kingsley 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.
Craigie and Kingsley: 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 | Craigie | Kingsley |
|---|---|---|
| People and households | ||
| Residents | 6,456 | 13,204 |
| Median ageAustralia 38 | 35 | 44 |
| Average household sizeAustralia 2.5 | 2.4 | 2.6 |
| Median household income, weeklyAustralia $1,746 | $1,792 | $2,012 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $375 | $418 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,733 | $2,000 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 24% | 12% |
| Owned with a mortgageAustralia 35% | 49% | 44% |
| Owned outrightAustralia 31% | 25% | 40% |
| Types of home | ||
| Separate housesAustralia 72% | 88% | 84% |
| Townhouses, terraces and semi-detachedAustralia 13% | 11% | 14% |
| Flats and apartmentsAustralia 14% | 1% | 0% |
| Homes with two bedrooms or fewer | 5% | 7% |
| Homes with four bedrooms or more | 35% | 63% |
| Dwellings unoccupied on Census night | 5% | 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 Craigie and Kingsley
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.
Craigie
- First home buyers
- Investors
- Upgraders
- Outright ownership was only 25.4 per cent, so budgets are more sensitive to repayments than in neighbouring suburbs.
- Renting at 24.2 per cent gives investors a deeper tenant pool than most of the surrounding corridor.
- Density coding that supports infill can materially affect land value on a smaller original lot.
- Western Australian contracts have no mandatory cooling-off period and no mandatory seller disclosure statement.
- Homes built before the 1980s may contain asbestos-containing materials, which inspections consider.
Kingsley
- Upgraders
- Downsizers
- First home buyers
- Only three flats were counted at the 2021 Census, so apartment stock is effectively unavailable.
- Lots adjoining Yellagonga Regional Park may be designated bush fire prone, which affects construction and insurance.
- Residential Design Code density coding varies across the suburb and governs subdivision potential.
- Western Australian contracts have no mandatory cooling-off period and no mandatory seller disclosure statement.
- Only 11.9 per cent of households with a stated tenure rented, so the tenant pool is thin for investors.
Housing stock in Craigie and Kingsley compared
Craigie
- Three-bedroom houses
- The dominant size at 1,537 dwellings counted at the 2021 Census, against 822 with four bedrooms.
- Detached homes from the 1970s
- Separate houses numbered 2,308 at the 2021 Census, 88.4 per cent of occupied homes, built after the 1969 rezoning.
- Townhouses and semi-detached dwellings
- The 276 attached dwellings counted at the 2021 Census, 10.6 per cent of occupied homes.
Kingsley
- Four-bedroom family homes
- The dominant form at 2,581 dwellings counted at the 2021 Census, with 448 more having five or more bedrooms.
- Townhouses and semi-detached dwellings
- At 660 dwellings, or 13.7 per cent of occupied homes, attached housing gives downsizers a genuine option here.
- Three-bedroom houses
- The 1,389 three-bedroom dwellings counted at the 2021 Census are generally the earlier homes on smaller lots.
Official sale price and rent figures for Craigie and Kingsley
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.
Craigie
No government agency publishes a free median sale price or rent series for Craigie, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Kingsley
No government agency publishes a free median sale price or rent series for Kingsley, 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 Craigie and Kingsley
Craigie
Transport
- Whitfords Station (train)
- Joondalup Station (train)
- Route 463 (bus)
- Marmion Avenue (road)
Amenities
- Westfield Whitford City
- Craigie Leisure Centre
- Craigie local shops
Kingsley
Transport
- Whitfords Station (train)
- Greenwood Station (train)
- Transperth buses (bus)
- Mitchell Freeway (road)
- Wanneroo Road (road)
Amenities
- Yellagonga Regional Park
- Lake Goollelal
- Kingsley local shops
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 Craigie or Kingsley with another suburb
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Request a free assessment: Craigie or Kingsley
An accredited mortgage broker can check your borrowing power against prices in Craigie and Kingsley, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.