Guildford vs LidcombeTwo Sydney suburbs compared for a home loan
Guildford (NSW 2161) is approximately 23 km west of the Sydney CBD, on the T3 line. Lidcombe (NSW 2141) is approximately 18 km west of the Sydney CBD, at a rail interchange. At the 2021 Census, Guildford had 24,091 residents with a median age of 31, and Lidcombe had 23,663 residents with a median age of 33.
The most common occupied dwelling was separate houses in Guildford and flats and apartments in Lidcombe. Flats and apartments made up 29% of occupied dwellings in Guildford and 45% in Lidcombe, while 48% of Guildford households rented compared with 44% in Lidcombe. 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 2161 · Western Sydney
Guildford
Guildford is a Cumberland family suburb where the median household income of $1,314 is the lowest recorded in these guides and houses hold 54.8 per cent of homes.
Cumberland. Approximately 23 km west of the Sydney CBD, on the T3 line.
Read the full Guildford guideNSW 2141 · Western Sydney
Lidcombe
Lidcombe is a Cumberland rail interchange suburb with the most balanced housing of this group and the highest mortgage share at 33.0 per cent.
Cumberland. Approximately 18 km west of the Sydney CBD, at a rail interchange.
Read the full Lidcombe guide
What buying in Guildford and Lidcombe 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 Guildford and Lidcombe.
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 Guildford to see the repayment, transfer duty and upfront cash.
Enter a price for Lidcombe 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.
Guildford and Lidcombe: 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 | Guildford | Lidcombe |
|---|---|---|
| People and households | ||
| Residents | 24,091 | 23,663 |
| Median ageAustralia 38 | 31 | 33 |
| Average household sizeAustralia 2.5 | 3.1 | 2.9 |
| Median household income, weeklyAustralia $1,746 | $1,314 | $1,888 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $378 | $500 |
| Median mortgage repayment, monthlyAustralia $1,863 | $2,015 | $2,308 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 48% | 44% |
| Owned with a mortgageAustralia 35% | 28% | 33% |
| Owned outrightAustralia 31% | 21% | 21% |
| Types of home | ||
| Separate housesAustralia 72% | 55% | 39% |
| Townhouses, terraces and semi-detachedAustralia 13% | 16% | 16% |
| Flats and apartmentsAustralia 14% | 29% | 45% |
| Homes with two bedrooms or fewer | 40% | 45% |
| Homes with four bedrooms or more | 26% | 23% |
| Dwellings unoccupied on Census night | 9% | 10% |
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 Guildford and Lidcombe
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.
Guildford
- First home buyers
- Upgraders
- Investors
- The lowest median income in these guides sits alongside above-median repayments.
- Dependants raise the household expenditure measure used in serviceability.
- Lenders assess repayments at a buffer above the actual rate, reducing capacity further.
- An indicative approval is not an unconditional one, which matters before signing a s66W.
- No vendor building report is required, so an independent inspection is essential.
Lidcombe
- First home buyers
- Upgraders
- Investors
- Downsizers
- Three dwelling types trade here, so comparisons must come from the same type.
- One-bedroom dwellings can fall below lenders' minimum internal floor areas.
- Single-development exposure limits apply where one building is a large share of stock.
- Sydney Olympic Park event days bring crowds and traffic to parts of the area.
- The Olympic Park branch service pattern differs from the main line, so test the journey.
Housing stock in Guildford and Lidcombe compared
Guildford
- Detached family houses
- Separate houses numbered 3,841 at the 2021 Census, 54.8 per cent of occupied homes.
- Apartments
- The 2,035 flats counted at the 2021 Census, 29.0 per cent of occupied homes.
- Family-sized homes
- At the 2021 Census, 1,272 dwellings had four bedrooms and 553 had five or more.
Lidcombe
- Apartments
- The 3,484 flats counted at the 2021 Census, 44.6 per cent of occupied homes.
- Detached houses
- Separate houses numbered 3,021 at the 2021 Census, 38.7 per cent of occupied homes.
- Townhouses
- At 1,265 dwellings, or 16.2 per cent of occupied homes at the 2021 Census.
Official sale price and rent figures for Guildford and Lidcombe
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.
Guildford
No government agency publishes a free median sale price or rent series for Guildford, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Lidcombe
No government agency publishes a free median sale price or rent series for Lidcombe, 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 Guildford and Lidcombe
Guildford
Transport
- Guildford Station (train)
- Sydney buses (bus)
- Woodville Road (road)
- M4 Motorway (road)
Amenities
- Guildford Road shops
- Stockland Merrylands
- Guildford Park
Lidcombe
Transport
- Lidcombe Station (train)
- Sydney Olympic Park Metro (metro)
- Sydney buses (bus)
- Parramatta Road (road)
Amenities
- Lidcombe station shops
- Sydney Olympic Park
- Auburn Botanic Gardens
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.
Compare Guildford or Lidcombe with another suburb
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Request a free assessment: Guildford or Lidcombe
An accredited mortgage broker can check your borrowing power against prices in Guildford and Lidcombe, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.