Granville vs Harris ParkTwo Sydney suburbs compared for a home loan
Granville (NSW 2142) is approximately 22 km west of the Sydney CBD, adjoining Parramatta. Harris Park (NSW 2150) is immediately south-east of the Parramatta CBD. At the 2021 Census, Granville had 16,716 residents with a median age of 31, and Harris Park had 5,043 residents with a median age of 31.
In both suburbs the most common occupied dwelling was flats and apartments. Flats and apartments made up 55% of occupied dwellings in Granville and 85% in Harris Park, while 56% of Granville households rented compared with 73% in Harris Park. 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.
NSW 2142 · Western Sydney
Granville
Granville adjoins Parramatta, where apartments hold 55.4 per cent of homes, 55.7 per cent of households rent and outright ownership is only 18.4 per cent.
Cumberland. Approximately 22 km west of the Sydney CBD, adjoining Parramatta.
Read the full Granville guideNSW 2150 · Western Sydney
Harris Park
Harris Park adjoins the Parramatta CBD, where 85.0 per cent of homes are apartments, 73.3 per cent rent and only 15.9 per cent hold a mortgage.
City of Parramatta. Immediately south-east of the Parramatta CBD.
Read the full Harris Park guide
What buying in Granville and Harris Park 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 Granville and Harris Park.
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 Granville to see the repayment, transfer duty and upfront cash.
Enter a price for Harris Park 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.
Granville and Harris Park: 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 | Granville | Harris Park |
|---|---|---|
| People and households | ||
| Residents | 16,716 | 5,043 |
| Median ageAustralia 38 | 31 | 31 |
| Average household sizeAustralia 2.5 | 2.8 | 2.5 |
| Median household income, weeklyAustralia $1,746 | $1,598 | $1,779 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $400 | $360 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,873 | $1,750 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 56% | 73% |
| Owned with a mortgageAustralia 35% | 24% | 16% |
| Owned outrightAustralia 31% | 18% | 10% |
| Types of home | ||
| Separate housesAustralia 72% | 35% | 8% |
| Townhouses, terraces and semi-detachedAustralia 13% | 9% | 3% |
| Flats and apartmentsAustralia 14% | 55% | 85% |
| Homes with two bedrooms or fewer | 57% | 82% |
| Homes with four bedrooms or more | 13% | 3% |
| Dwellings unoccupied on Census night | 14% | 13% |
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 Granville and Harris Park
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.
Granville
- Investors
- First home buyers
- Upgraders
- Single-development exposure limits apply where apartments came through large complexes.
- One-bedroom dwellings and studios can fall below minimum internal floor areas.
- A below-median income means serviceability binds despite near-median repayments.
- The rail corridor carries freight as well as passenger services.
- Renting at 55.7 per cent means most purchases are assessed as investment lending.
Harris Park
- Investors
- First home buyers
- Single-development exposure limits bind readily in a suburb of 1,874 occupied dwellings.
- Comparable evidence is concentrated in two-bedroom apartments, one product type.
- One-bedroom dwellings and studios can fall below minimum internal floor areas.
- Renting at 73.3 per cent means most purchases are assessed as investment lending.
- The Wigram Street commercial strip generates evening activity and traffic.
Housing stock in Granville and Harris Park compared
Granville
- Apartments around the station
- The 3,022 flats counted at the 2021 Census, 55.4 per cent of occupied homes.
- Detached houses
- Separate houses numbered 1,898 at the 2021 Census, 34.8 per cent of occupied homes.
- Two bedroom dwellings
- At 2,680 dwellings, the dominant size recorded at the 2021 Census.
Harris Park
- Apartments
- The 1,592 flats counted at the 2021 Census, 85.0 per cent of occupied homes.
- Two bedroom dwellings
- At 1,385 dwellings, the dominant size recorded at the 2021 Census.
- Few detached houses
- Separate houses numbered 155 at the 2021 Census, 8.3 per cent of occupied homes.
Official sale price and rent figures for Granville and Harris Park
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.
Granville
No government agency publishes a free median sale price or rent series for Granville, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Harris Park
No government agency publishes a free median sale price or rent series for Harris Park, 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 Granville and Harris Park
Granville
Transport
- Granville Station (train)
- Parramatta Light Rail (light rail)
- Parramatta Metro (metro)
- Parramatta Road (road)
Amenities
- Granville station shops
- Parramatta CBD
- Parramatta River foreshore
Harris Park
Transport
- Harris Park Station (train)
- Parramatta Light Rail (light rail)
- Parramatta Metro (metro)
- Sydney buses (bus)
Amenities
- Wigram Street precinct
- Parramatta CBD
- Parramatta Park
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the New South Wales education department.
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Request a free assessment: Granville or Harris Park
An accredited mortgage broker can check your borrowing power against prices in Granville and Harris Park, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.