Dernancourt vs Golden GroveTwo Adelaide suburbs compared for a home loan
Dernancourt (SA 5075) is approximately 10 km north-east of the Adelaide CBD, beside the River Torrens. Golden Grove (SA 5125) is approximately 18 km north-east of the Adelaide CBD, near the Adelaide Hills. At the 2021 Census, Dernancourt had 4,063 residents with a median age of 43, and Golden Grove had 10,299 residents with a median age of 44.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 4% of occupied dwellings in Dernancourt and 0% in Golden Grove, while 16% of Dernancourt households rented compared with 19% in Golden Grove. 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 5075 · Adelaide's north-east
Dernancourt
Dernancourt is a north-eastern Adelaide suburb named after a 1918 battle, split between two councils, with high outright ownership and few rentals.
City of Tea Tree Gully and City of Port Adelaide Enfield. Approximately 10 km north-east of the Adelaide CBD, beside the River Torrens.
Read the full Dernancourt guideSA 5125 · Adelaide's outer north-east
Golden Grove
Golden Grove is a hilly outer north-eastern suburb developed in the 1980s as a public-private joint venture, with large family homes and few rentals.
City of Tea Tree Gully. Approximately 18 km north-east of the Adelaide CBD, near the Adelaide Hills.
Read the full Golden Grove guide
What buying in Dernancourt and Golden Grove 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 Dernancourt and Golden Grove.
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 Dernancourt to see the repayment, transfer duty and upfront cash.
Enter a price for Golden Grove 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.
Dernancourt and Golden Grove: 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 | Dernancourt | Golden Grove |
|---|---|---|
| People and households | ||
| Residents | 4,063 | 10,299 |
| Median ageAustralia 38 | 43 | 44 |
| Average household sizeAustralia 2.5 | 2.6 | 2.5 |
| Median household income, weeklyAustralia $1,746 | $1,736 | $1,669 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $380 | $320 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,733 | $1,686 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 16% | 19% |
| Owned with a mortgageAustralia 35% | 38% | 42% |
| Owned outrightAustralia 31% | 42% | 34% |
| Types of home | ||
| Separate housesAustralia 72% | 90% | 85% |
| Townhouses, terraces and semi-detachedAustralia 13% | 6% | 15% |
| Flats and apartmentsAustralia 14% | 4% | 0% |
| Homes with two bedrooms or fewer | 9% | 16% |
| Homes with four bedrooms or more | 33% | 40% |
| Dwellings unoccupied on Census night | 4% | 3% |
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 Dernancourt and Golden Grove
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.
Dernancourt
- Upgraders
- Downsizers
- First home buyers
- The suburb lies in two council areas, so confirm which council applies to a specific address for rates and development.
- Outright ownership of 42.2 per cent describes a settled market with less high loan-to-value borrowing.
- Flood and stormwater overlays may apply nearest the River Torrens corridor to the south.
- Many homes have been extended, so comparable sales need care and valuations can vary on one street.
- Only 16.3 per cent of households with a stated tenure rented, so the tenant pool is modest for investors.
Golden Grove
- Upgraders
- Downsizers
- First home buyers
- Only three flats were counted at the 2021 Census, so apartment stock is effectively unavailable in the suburb.
- Bushfire mapping applies on the outer north-eastern fringe, which affects construction standards and insurance.
- Sloping blocks vary in usable land, access and retaining structures, so valuations of similar houses can differ.
- Encumbrances controlling design and external appearance may remain registered from the joint venture development.
- Only 18.5 per cent of households with a stated tenure rented, so the tenant pool is modest for investors.
Housing stock in Dernancourt and Golden Grove compared
Dernancourt
- Detached houses
- Separate houses numbered 1,394 at the 2021 Census, 90.3 per cent of occupied homes, above the national 72.3 per cent.
- Three and four bedroom homes
- At the 2021 Census, 882 dwellings had three bedrooms and 445 had four, with only 94 two-bedroom homes.
- Townhouses and flats
- The 93 semi-detached or townhouse dwellings and 56 flats counted at the 2021 Census are the main smaller options.
Golden Grove
- Detached family houses
- Separate houses numbered 3,341 at the 2021 Census, 85.1 per cent of occupied homes, mostly built from the 1980s onward.
- Four and five bedroom homes
- At the 2021 Census, 1,346 dwellings had four bedrooms and 240 had five or more, so stock is large by national standards.
- Townhouses and semi-detached dwellings
- The 577 attached dwellings counted at the 2021 Census give downsizers an option the neighbouring foothills suburbs lack.
Official sale price and rent figures for Dernancourt and Golden Grove
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.
Dernancourt
No government agency publishes a free median sale price or rent series for Dernancourt, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Golden Grove
No government agency publishes a free median sale price or rent series for Golden Grove, 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 Dernancourt and Golden Grove
Dernancourt
Transport
- O-Bahn busway (bus)
- Adelaide Metro buses (bus)
- Lower North East Road (road)
- Grand Junction Road (road)
Schools and campuses
- Dernancourt Primary School (primary, government)
- Dernancourt Junior Primary School (primary, government)
Amenities
- River Torrens Linear Park
- Dernancourt local shops
Golden Grove
Transport
- Tea Tree Plaza Interchange (bus)
- O-Bahn busway (bus)
- Adelaide Metro buses (bus)
- Golden Grove Road (road)
Amenities
- Golden Grove Village
- Tea Tree Plaza
- Golden Grove reserves
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.
Compare Dernancourt or Golden Grove with another suburb
Change either suburb, or add a third.
Related comparisons
Request a free assessment: Dernancourt or Golden Grove
An accredited mortgage broker can check your borrowing power against prices in Dernancourt and Golden Grove, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.