Eatons Hill vs LawntonTwo 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. Lawnton (QLD 4501) is approximately 25 km north of the Brisbane CBD, between the North Pine River and the South Pine River. At the 2021 Census, Eatons Hill had 7,822 residents with a median age of 38, and Lawnton had 5,905 residents with a median age of 37.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 0% of occupied dwellings in Eatons Hill and 6% in Lawnton, while 10% of Eatons Hill households rented compared with 41% in Lawnton. 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 4501 · Pine Rivers
Lawnton
Lawnton is a Moreton Bay rail suburb bounded by two rivers where median household income of $1,371 was the lowest in this group.
City of Moreton Bay. Approximately 25 km north of the Brisbane CBD, between the North Pine River and the South Pine River.
Read the full Lawnton guide
What buying in Eatons Hill and Lawnton 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 Lawnton.
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 Lawnton 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 Lawnton: 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 | Lawnton |
|---|---|---|
| People and households | ||
| Residents | 7,822 | 5,905 |
| Median ageAustralia 38 | 38 | 37 |
| Average household sizeAustralia 2.5 | 3.1 | 2.4 |
| Median household income, weeklyAustralia $1,746 | $2,771 | $1,371 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $460 | $320 |
| Median mortgage repayment, monthlyAustralia $1,863 | $2,151 | $1,517 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 10% | 41% |
| Owned with a mortgageAustralia 35% | 61% | 36% |
| Owned outrightAustralia 31% | 29% | 21% |
| Types of home | ||
| Separate housesAustralia 72% | 99% | 69% |
| Townhouses, terraces and semi-detachedAustralia 13% | 1% | 25% |
| Flats and apartmentsAustralia 14% | 0% | 6% |
| Homes with two bedrooms or fewer | 1% | 21% |
| Homes with four bedrooms or more | 78% | 22% |
| Dwellings unoccupied on Census night | 2% | 5% |
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 Lawnton
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.
Lawnton
- First home buyers
- Investors
- Median household income of $1,371 against the national $1,746 makes assessed serviceability the binding constraint.
- Minimum internal floor area rules affect the 93 one-bedroom dwellings and four studios recorded at the Census.
- Two river boundaries make an address specific flood check property report essential before signing.
- Body corporate levies on the 707 attached dwellings count as a committed expense in the assessment.
- Median weekly rent of $320 sat below the national $375, which matters to an investor's arithmetic.
Housing stock in Eatons Hill and Lawnton 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.
Lawnton
- Older detached houses
- Separate houses numbered 1,604 at the 2021 Census, 69.3 per cent of occupied homes.
- Townhouses
- Semi-detached and townhouse dwellings numbered 567, or 24.5 per cent, about double the national 12.6 per cent.
- A small apartment stock
- Flats and apartments numbered 140, or 6.1 per cent, the highest share among these six suburbs.
Official sale price and rent figures for Eatons Hill and Lawnton
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.
Lawnton
No government agency publishes a free median sale price or rent series for Lawnton, 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 Lawnton
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
Lawnton
Transport
- Lawnton station (train)
- Petrie station (train)
- Gympie Road buses (bus)
- Gympie Road (road)
Schools and campuses
- Lawnton State School (primary, government)
- Pine Rivers Special School (special, government)
Amenities
- Pine Rivers Showgrounds
- Leis Park
- Lawnton Swimming Pool
- Lawnton Cemetery
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.
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Request a free assessment: Eatons Hill or Lawnton
An accredited mortgage broker can check your borrowing power against prices in Eatons Hill and Lawnton, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.