Dakabin vs GriffinTwo Brisbane suburbs compared for a home loan
Dakabin (QLD 4503) is approximately 34 km north of the Brisbane CBD, between the North Coast railway line and the Bruce Highway. Griffin (QLD 4503) is approximately 26 km north of the Brisbane CBD, on the southern bank of the Pine River. At the 2021 Census, Dakabin had 5,275 residents with a median age of 30, and Griffin had 12,295 residents with a median age of 29.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 0% of occupied dwellings in Dakabin and 1% in Griffin, while 62% of Dakabin households rented compared with 54% in Griffin. 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.
QLD 4503 · Pine Rivers
Dakabin
Dakabin is a Moreton Bay rail suburb where townhouses were 36.6 per cent of occupied homes and no flats or apartments were recorded in 2021.
City of Moreton Bay. Approximately 34 km north of the Brisbane CBD, between the North Coast railway line and the Bruce Highway.
Read the full Dakabin guideQLD 4503 · Pine Rivers
Griffin
Griffin is a Moreton Bay growth corridor suburb where only 5.8 per cent of households owned outright and the population tripled between 2011 and 2021.
City of Moreton Bay. Approximately 26 km north of the Brisbane CBD, on the southern bank of the Pine River.
Read the full Griffin guide
What buying in Dakabin and Griffin 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 Dakabin and Griffin.
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 Dakabin to see the repayment, transfer duty and upfront cash.
Enter a price for Griffin 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.
Dakabin and Griffin: 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 | Dakabin | Griffin |
|---|---|---|
| People and households | ||
| Residents | 5,275 | 12,295 |
| Median ageAustralia 38 | 30 | 29 |
| Average household sizeAustralia 2.5 | 2.6 | 2.9 |
| Median household income, weeklyAustralia $1,746 | $1,689 | $2,013 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $360 | $385 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,800 | $1,941 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 62% | 54% |
| Owned with a mortgageAustralia 35% | 26% | 40% |
| Owned outrightAustralia 31% | 11% | 6% |
| Types of home | ||
| Separate housesAustralia 72% | 58% | 72% |
| Townhouses, terraces and semi-detachedAustralia 13% | 37% | 27% |
| Flats and apartmentsAustralia 14% | 0% | 1% |
| Homes with two bedrooms or fewer | 14% | 5% |
| Homes with four bedrooms or more | 43% | 60% |
| Dwellings unoccupied on Census night | 4% | 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 Dakabin and Griffin
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.
Dakabin
- First home buyers
- Investors
- Median household income of $1,689 sat below the national $1,746, so assessed serviceability binds first.
- Body corporate levies count as a committed expense and reduce the loan a townhouse buyer can obtain.
- Single-development exposure limits matter where 699 of 1,910 occupied homes are townhouses.
- Flood exposure varies by address and should be checked through a City of Moreton Bay flood check property report.
- Investment lending is assessed differently, and 1,173 of 1,910 occupied dwellings were rented at the Census.
Griffin
- First home buyers
- Upgraders
- Investors
- Construction loans draw down in stages against an as-if-complete valuation rather than advancing a single sum.
- Variations agreed with a builder after loan approval are not automatically funded and leave a gap.
- Estate design covenants run with the land and bind later buyers, not only the original purchaser.
- Where many near-identical homes settle together, a valuation can come in below a contract price agreed earlier.
- Pine River flood exposure varies by address and requires a City of Moreton Bay flood check property report.
Housing stock in Dakabin and Griffin compared
Dakabin
- Townhouses in community titles schemes
- Semi-detached and townhouse dwellings numbered 699 at the 2021 Census, 36.6 per cent of occupied homes.
- Detached estate houses
- Separate houses numbered 1,102, or 57.7 per cent, well below the national share of 72.3 per cent.
- No apartment stock
- The 2021 Census recorded no flats or apartments in Dakabin, against 14.2 per cent of dwellings nationally.
Griffin
- New estate houses
- Separate houses numbered 3,002 at the 2021 Census, 72.2 per cent of occupied homes, mostly recently built.
- Townhouses in community titles schemes
- Semi-detached and townhouse dwellings numbered 1,109, or 26.7 per cent, more than double the national 12.6 per cent.
- Four bedroom family homes
- At the 2021 Census, 2,304 of 4,156 occupied dwellings had four bedrooms and 1,427 had three.
Official sale price and rent figures for Dakabin and Griffin
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.
Dakabin
No government agency publishes a free median sale price or rent series for Dakabin, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Griffin
No government agency publishes a free median sale price or rent series for Griffin, 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 Dakabin and Griffin
Dakabin
Transport
- Dakabin station (train)
- Petrie station (train)
- Translink bus services (bus)
- Bruce Highway (road)
Schools and campuses
- Dakabin State High School (secondary, government)
- Northpine Christian College (combined, independent)
Amenities
- Bob Brock Park
- Dakabin State High School
- Northpine Christian College
Griffin
Transport
- Murrumba Downs station (train)
- Dakabin station (train)
- Bruce Highway (road)
- Dohles Rocks Road (road)
Schools and campuses
- Griffin State School (primary, government)
Amenities
- Osprey House Environmental Centre
- Dohles Rocks Road boat ramp
- Griffin State School
- Pine River corridor
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the Queensland education department.
Compare Dakabin or Griffin with another suburb
Change either suburb, or add a third.
Related comparisons
Request a free assessment: Dakabin or Griffin
An accredited mortgage broker can check your borrowing power against prices in Dakabin and Griffin, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.