Duncraig vs PadburyTwo Perth suburbs compared for a home loan
Duncraig (WA 6023) is approximately 16 km north of the Perth CBD, between Marmion Avenue and the Mitchell Freeway. Padbury (WA 6025) is approximately 20 km north of the Perth CBD, south of Whitfords Avenue. At the 2021 Census, Duncraig had 15,982 residents with a median age of 42, and Padbury had 8,626 residents with a median age of 38.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 2% of occupied dwellings in Duncraig and 0% in Padbury, while 12% of Duncraig households rented compared with 16% in Padbury. 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 6023 · Northern suburbs of Perth
Duncraig
Duncraig is a large established northern Perth suburb of four-bedroom family homes, served by three stations and with very few rentals.
City of Joondalup. Approximately 16 km north of the Perth CBD, between Marmion Avenue and the Mitchell Freeway.
Read the full Duncraig guideWA 6025 · Northern suburbs of Perth
Padbury
Padbury is an established northern Perth suburb of detached family homes where half of households carry a mortgage and local place names vary.
City of Joondalup. Approximately 20 km north of the Perth CBD, south of Whitfords Avenue.
Read the full Padbury guide
What buying in Duncraig and Padbury 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 Duncraig and Padbury.
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 Duncraig to see the repayment, transfer duty and upfront cash.
Enter a price for Padbury 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.
Duncraig and Padbury: 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 | Duncraig | Padbury |
|---|---|---|
| People and households | ||
| Residents | 15,982 | 8,626 |
| Median ageAustralia 38 | 42 | 38 |
| Average household sizeAustralia 2.5 | 2.8 | 2.6 |
| Median household income, weeklyAustralia $1,746 | $2,394 | $2,065 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $460 | $390 |
| Median mortgage repayment, monthlyAustralia $1,863 | $2,208 | $2,000 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 12% | 16% |
| Owned with a mortgageAustralia 35% | 45% | 50% |
| Owned outrightAustralia 31% | 41% | 32% |
| Types of home | ||
| Separate housesAustralia 72% | 92% | 92% |
| Townhouses, terraces and semi-detachedAustralia 13% | 6% | 7% |
| Flats and apartmentsAustralia 14% | 2% | 0% |
| Homes with two bedrooms or fewer | 5% | 3% |
| Homes with four bedrooms or more | 68% | 49% |
| Dwellings unoccupied on Census night | 5% | 6% |
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 Duncraig and Padbury
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.
Duncraig
- Upgraders
- First home buyers
- Downsizers
- Low-maintenance stock is scarce, with only 349 townhouses and 99 flats among nearly 5,600 occupied dwellings.
- Western Australian contracts have no mandatory cooling-off period, so finance and inspection conditions go into the offer.
- There is no mandatory seller disclosure statement in Western Australia, so independent enquiries matter.
- Residential Design Code density coding varies across the suburb and governs subdivision potential.
- Only 11.9 per cent of households with a stated tenure rented, so the tenant pool is thin for investors.
Padbury
- First home buyers
- Upgraders
- Investors
- Half of households with a stated tenure had a mortgage, so budgets are sensitive to changes in repayments.
- Parts of the suburb are known locally as Whitfords, Hepburn Heights or Pinnaroo Heights, which affects sales research.
- High loan-to-value borrowing is common, so lenders mortgage insurance or the 5% Deposit Scheme is often relevant.
- 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.
Housing stock in Duncraig and Padbury compared
Duncraig
- Four-bedroom family homes
- The dominant form at 3,168 dwellings counted at the 2021 Census, with a further 615 having five or more bedrooms.
- Three-bedroom houses
- The 1,442 three-bedroom dwellings counted at the 2021 Census are generally the earlier homes on smaller lots.
- Townhouses and flats
- Only 349 semi-detached or townhouse dwellings and 99 flats were counted at the 2021 Census.
Padbury
- Three-bedroom houses
- At 1,520 dwellings counted at the 2021 Census, three-bedroom stock slightly outnumbers four-bedroom homes here.
- Four-bedroom family homes
- The 1,395 four-bedroom dwellings counted at the 2021 Census, with a further 188 having five or more bedrooms.
- Townhouses and flats
- Only 239 semi-detached or townhouse dwellings and eight flats were counted at the 2021 Census.
Official sale price and rent figures for Duncraig and Padbury
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.
Duncraig
No government agency publishes a free median sale price or rent series for Duncraig, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Padbury
No government agency publishes a free median sale price or rent series for Padbury, 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 Duncraig and Padbury
Duncraig
Transport
- Greenwood Station (train)
- Whitfords Station (train)
- Warwick Station (train)
- Mitchell Freeway (road)
- Marmion Avenue (road)
Amenities
- Duncraig local shops
- Westfield Whitford City
- Duncraig reserves
Padbury
Transport
- Whitfords Station (train)
- Transperth buses (bus)
- Whitfords Avenue (road)
- Mitchell Freeway (road)
Amenities
- Westfield Whitford City
- Padbury local shops
- Pinnaroo Valley Memorial Park
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 Duncraig or Padbury with another suburb
Change either suburb, or add a third.
Related comparisons
Request a free assessment: Duncraig or Padbury
An accredited mortgage broker can check your borrowing power against prices in Duncraig and Padbury, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.