Flagstone vs KingstonTwo Brisbane suburbs compared for a home loan
Flagstone (QLD 4280) is approximately 51 km south-south-west of the Brisbane CBD, within the Greater Flagstone Priority Development Area. Kingston (QLD 4114) is approximately 26 km south-east of the Brisbane CBD, on the Beenleigh railway line. At the 2021 Census, Flagstone had 7,087 residents with a median age of 30, and Kingston had 10,506 residents with a median age of 32.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 0% of occupied dwellings in Flagstone and 1% in Kingston, while 23% of Flagstone households rented compared with 52% in Kingston. 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 4280 · Logan
Flagstone
Flagstone is a Logan growth corridor locality where 64.0 per cent of households held a mortgage and separate houses were 98.4 per cent of homes.
City of Logan. Approximately 51 km south-south-west of the Brisbane CBD, within the Greater Flagstone Priority Development Area.
Read the full Flagstone guideQLD 4114 · Logan
Kingston
Kingston is a Logan railway suburb where 1,947 of its 3,232 occupied private dwellings had exactly three bedrooms at the 2021 Census.
City of Logan. Approximately 26 km south-east of the Brisbane CBD, on the Beenleigh railway line.
Read the full Kingston guide
What buying in Flagstone and Kingston 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 Flagstone and Kingston.
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 Flagstone to see the repayment, transfer duty and upfront cash.
Enter a price for Kingston 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.
Flagstone and Kingston: 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 | Flagstone | Kingston |
|---|---|---|
| People and households | ||
| Residents | 7,087 | 10,506 |
| Median ageAustralia 38 | 30 | 32 |
| Average household sizeAustralia 2.5 | 3.3 | 2.9 |
| Median household income, weeklyAustralia $1,746 | $2,073 | $1,181 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $395 | $315 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,820 | $1,309 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 23% | 52% |
| Owned with a mortgageAustralia 35% | 64% | 25% |
| Owned outrightAustralia 31% | 13% | 21% |
| Types of home | ||
| Separate housesAustralia 72% | 98% | 83% |
| Townhouses, terraces and semi-detachedAustralia 13% | 1% | 15% |
| Flats and apartmentsAustralia 14% | 0% | 1% |
| Homes with two bedrooms or fewer | 1% | 13% |
| Homes with four bedrooms or more | 81% | 23% |
| Dwellings unoccupied on Census night | 4% | 7% |
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 Flagstone and Kingston
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.
Flagstone
- First home buyers
- Upgraders
- A construction loan draws down in stages against an as-if-complete valuation, and variations must usually be self funded.
- Estate design covenants run with the land and bind a later buyer of an established house.
- Where many similar houses settle together a valuation can fall below a contract price agreed earlier.
- Mortgage holding of 64.0 per cent means the lender assessment buffer applies across nearly the whole locality.
- Average household size of 3.3 people raises the household expenditure measure a lender applies.
Kingston
- First home buyers
- Investors
- Median weekly household income of $1,181 against $1,746 nationally makes assessed serviceability the constraint.
- Average household size of 2.9 people raises the household expenditure measure a lender applies.
- Concentrated public housing can attract a lower maximum loan-to-value ratio with some lenders and insurers.
- A search of the Environmental Management Register and Contaminated Land Register is a necessary step here.
- Uniform three-bedroom stock caps the valuation available for a renovated or extended house.
Housing stock in Flagstone and Kingston compared
Flagstone
- New estate houses
- Separate houses numbered 2,023 at the 2021 Census, 98.4 per cent of occupied homes, the highest share in these Logan guides.
- Four bedroom homes
- Dwellings with four bedrooms numbered 1,388, or 67.5 per cent of occupied homes, with 276 having five or more.
- Almost no small dwellings
- Only 23 occupied homes had two bedrooms or fewer, comprising 14 two-bedroom, six one-bedroom and three studio dwellings.
Kingston
- Three-bedroom houses
- Dwellings with exactly three bedrooms numbered 1,947 at the 2021 Census, 60.2 per cent of occupied homes.
- Detached houses
- Separate houses numbered 2,694, or 83.4 per cent of occupied homes, above the national 72.3 per cent.
- Townhouses
- Townhouse and semi-detached dwellings numbered 492, or 15.2 per cent, with only 36 flats or apartments.
Official sale price and rent figures for Flagstone and Kingston
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.
Flagstone
No government agency publishes a free median sale price or rent series for Flagstone, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Kingston
No government agency publishes a free median sale price or rent series for Kingston, 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 Flagstone and Kingston
Flagstone
Transport
- Teviot Road (road)
- Browns Plains bus services (bus)
- Mount Lindesay Highway (road)
Schools and campuses
- Flagstone State School (primary, government)
- Flagstone State Community College (secondary, government)
- St Bonaventure's College (combined, catholic)
Amenities
- Flagstone Village
- Flagstone Parklands Community Hub
- Flagstone Adventure Park
- Flagstone Creek corridor
Kingston
Transport
- Kingston station (train)
- Logan Motorway (road)
- Logan City bus services (bus)
- Kingston Road (road)
Schools and campuses
- Kingston State School (primary, government)
- Kingston State College (secondary, government)
- Groves Christian College (combined, independent)
Amenities
- Kingston Butter Factory Cultural Precinct
- Logan City Historical Museum
- Scrubby Creek corridor
- Kingston Park
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 Flagstone or Kingston with another suburb
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Request a free assessment: Flagstone or Kingston
An accredited mortgage broker can check your borrowing power against prices in Flagstone and Kingston, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.