Eatons Hill vs Ferny HillsTwo Brisbane suburbs compared for a home loan
Eatons Hill (QLD 4037) is approximately 21 km north-west of the Brisbane CBD, on the northern side of the South Pine River. Ferny Hills (QLD 4055) is approximately 16 km north-west of the Brisbane CBD, along Samford Road beside Samford Conservation Park. At the 2021 Census, Eatons Hill had 7,822 residents with a median age of 38, and Ferny Hills had 8,726 residents with a median age of 40.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 0% of occupied dwellings in Eatons Hill and 0% in Ferny Hills, while 10% of Eatons Hill households rented compared with 14% in Ferny Hills. 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 4037 · Hills District
Eatons Hill
Eatons Hill is a Moreton Bay house suburb where separate houses were 99.2 per cent of occupied homes and 60.7 per cent of households held a mortgage.
City of Moreton Bay. Approximately 21 km north-west of the Brisbane CBD, on the northern side of the South Pine River.
Read the full Eatons Hill guideQLD 4055 · Hills District
Ferny Hills
Ferny Hills is a Hills District suburb where three-bedroom houses were 1,665 of 3,068 occupied homes and the median age reached 40 in 2021.
City of Moreton Bay. Approximately 16 km north-west of the Brisbane CBD, along Samford Road beside Samford Conservation Park.
Read the full Ferny Hills guide
What buying in Eatons Hill and Ferny Hills 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 Eatons Hill and Ferny Hills.
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 Eatons Hill to see the repayment, transfer duty and upfront cash.
Enter a price for Ferny Hills 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.
Eatons Hill and Ferny Hills: 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 | Eatons Hill | Ferny Hills |
|---|---|---|
| People and households | ||
| Residents | 7,822 | 8,726 |
| Median ageAustralia 38 | 38 | 40 |
| Average household sizeAustralia 2.5 | 3.1 | 2.8 |
| Median household income, weeklyAustralia $1,746 | $2,771 | $2,271 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $460 | $448 |
| Median mortgage repayment, monthlyAustralia $1,863 | $2,151 | $1,972 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 10% | 14% |
| Owned with a mortgageAustralia 35% | 61% | 51% |
| Owned outrightAustralia 31% | 29% | 33% |
| Types of home | ||
| Separate housesAustralia 72% | 99% | 95% |
| Townhouses, terraces and semi-detachedAustralia 13% | 1% | 5% |
| Flats and apartmentsAustralia 14% | 0% | 0% |
| Homes with two bedrooms or fewer | 1% | 6% |
| Homes with four bedrooms or more | 78% | 39% |
| Dwellings unoccupied on Census night | 2% | 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 Eatons Hill and Ferny Hills
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.
Eatons Hill
- Upgraders
- Downsizers
- Median monthly repayments of $2,151 against $1,863 nationally make assessed serviceability the binding test.
- Lenders may apply a lower maximum loan-to-value ratio above certain loan or property value thresholds.
- Only 52 unoccupied dwellings out of 2,525 and a 10.2 per cent rented share mean thin comparable sales.
- Bushfire hazard mapping should be confirmed for the address with the City of Moreton Bay before an offer.
- South Pine River flood exposure varies by address and needs a flood check property report.
Ferny Hills
- First home buyers
- Upgraders
- Downsizers
- Extensions on sloping lots are often funded as staged construction loans against an as-if-complete valuation.
- Variations agreed with a builder after loan approval are not automatically funded and create a gap.
- Bushfire hazard mapping beside Samford Conservation Park should be confirmed for the specific address.
- Flood and overland flow exposure needs a City of Moreton Bay flood check property report.
- Long held houses can carry unapproved decks, carports and conversions, so inspection matters.
Housing stock in Eatons Hill and Ferny Hills compared
Eatons Hill
- Detached estate houses
- Separate houses numbered 2,459 at the 2021 Census, 99.2 per cent of occupied homes.
- Four and five bedroom homes
- At the 2021 Census, 1,478 dwellings had four bedrooms and 450 had five or more.
- Almost no attached housing
- Townhouses numbered 16 and flats or apartments only five, together under one per cent of occupied homes.
Ferny Hills
- Three-bedroom detached houses
- At the 2021 Census, 1,665 of 3,068 occupied private dwellings had three bedrooms.
- Larger family houses
- Dwellings with four bedrooms numbered 896 and those with five or more numbered 296.
- Limited attached housing
- Townhouses numbered 147, or 4.8 per cent, and only four flats or apartments were recorded.
Official sale price and rent figures for Eatons Hill and Ferny Hills
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.
Eatons Hill
No government agency publishes a free median sale price or rent series for Eatons Hill, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Ferny Hills
No government agency publishes a free median sale price or rent series for Ferny Hills, 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 Eatons Hill and Ferny Hills
Eatons Hill
Transport
- Strathpine station (train)
- Bus routes 357, 358 and 359 (bus)
- South Pine Road (road)
- Cashs Crossing (road)
Schools and campuses
- Eatons Hill State School (primary, government)
Amenities
- Eatons Hill Hotel
- Eatons Hill State School
- Cashs Crossing
- Bunya Crossing
Ferny Hills
Transport
- Ferny Grove station (train)
- Keperra station (train)
- Translink bus services (bus)
- Samford Road (road)
Schools and campuses
- Ferny Hills State School (primary, government)
- Patricks Road State School (primary, government)
Amenities
- Samford Conservation Park
- Ferny Fair
- Ferny Hills State School
- Patricks Road State School
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 Eatons Hill or Ferny Hills with another suburb
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Request a free assessment: Eatons Hill or Ferny Hills
An accredited mortgage broker can check your borrowing power against prices in Eatons Hill and Ferny Hills, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.