High Wycombe vs MidlandTwo Perth suburbs compared for a home loan
High Wycombe (WA 6057) is approximately 18 km east of the Perth CBD, at the base of the Darling Scarp. Midland (WA 6056) is approximately 16 km north-east of the Perth CBD, where Great Eastern Highway and Great Northern Highway meet. At the 2021 Census, High Wycombe had 12,198 residents with a median age of 38, and Midland had 6,335 residents with a median age of 39.
The most common occupied dwelling was separate houses in High Wycombe and townhouses and terraces in Midland. Flats and apartments made up 0% of occupied dwellings in High Wycombe and 17% in Midland, while 22% of High Wycombe households rented compared with 63% in Midland. 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.
WA 6057 · Eastern foothills of Perth
High Wycombe
High Wycombe is a City of Kalamunda suburb that gained the Airport line terminus in 2022, is 96.2 per cent detached houses, and sits east of Perth Airport.
City of Kalamunda. Approximately 18 km east of the Perth CBD, at the base of the Darling Scarp.
Read the full High Wycombe guideWA 6056 · Eastern metropolitan Perth
Midland
Midland is the strategic centre of Perth's east, with a rail terminus rebuilt in 2026, a public hospital, heritage workshops and mostly rented townhouses.
City of Swan. Approximately 16 km north-east of the Perth CBD, where Great Eastern Highway and Great Northern Highway meet.
Read the full Midland guide
What buying in High Wycombe and Midland 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 High Wycombe and Midland.
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 High Wycombe to see the repayment, transfer duty and upfront cash.
Enter a price for Midland 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.
High Wycombe and Midland: 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 | High Wycombe | Midland |
|---|---|---|
| People and households | ||
| Residents | 12,198 | 6,335 |
| Median ageAustralia 38 | 38 | 39 |
| Average household sizeAustralia 2.5 | 2.5 | 1.9 |
| Median household income, weeklyAustralia $1,746 | $1,758 | $1,138 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $380 | $295 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,733 | $1,350 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 22% | 63% |
| Owned with a mortgageAustralia 35% | 46% | 19% |
| Owned outrightAustralia 31% | 30% | 17% |
| Types of home | ||
| Separate housesAustralia 72% | 96% | 32% |
| Townhouses, terraces and semi-detachedAustralia 13% | 4% | 51% |
| Flats and apartmentsAustralia 14% | 0% | 17% |
| Homes with two bedrooms or fewer | 7% | 42% |
| Homes with four bedrooms or more | 51% | 7% |
| Dwellings unoccupied on Census night | 6% | 14% |
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 High Wycombe and Midland
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.
High Wycombe
- First home buyers
- Upgraders
- Investors
- Attached stock is very scarce, so a new apartment near the station may lack local comparable sales.
- The suburb sits directly east of Perth Airport, so flight paths are worth checking for a specific address.
- The 2021 Census predates the station opening, so it does not reflect redevelopment since.
- Lenders assess security on current use and value, not on proposed redevelopment.
- Roe Highway on the eastern boundary carries freight traffic.
Midland
- Investors
- First home buyers
- Downsizers
- Some lenders apply minimum internal floor areas and limit exposure to a single building or to postcodes with many units, which can reduce the maximum loan.
- Strata levies are included in serviceability assessments, and scheme insurance, reserve funds and planned works affect valuation.
- Lenders usually count only part of expected rent when assessing an investor's capacity, which matters in a suburb where most households rent.
- Flood prone and aircraft noise special control areas apply to parts of Midland, so insurance quotes are worth obtaining before an offer becomes unconditional.
- Heritage-listed places and converted workshop buildings may be valued more conservatively because alterations require approval.
- Western Australian contracts have no mandatory cooling-off period, so finance, inspection and strata disclosure matters need attention before signing.
Housing stock in High Wycombe and Midland compared
High Wycombe
- Detached houses
- Separate houses numbered 4,399 at the 2021 Census, 96.2 per cent of occupied homes.
- Four bedroom family homes
- At the 2021 Census, 2,058 dwellings had four bedrooms against 1,868 with three.
- Limited attached stock
- Only 165 semi-detached or townhouse dwellings and 5 flats were counted at the 2021 Census.
Midland
- Strata villas and townhouses
- Semi-detached, terrace and townhouse dwellings numbered 1,468 of the 2,900 occupied homes counted at the 2021 Census.
- Older detached houses
- Separate houses in the streets around the town centre, some on lots with split density codings and some subject to heritage listing.
- Apartments and mixed-use buildings
- Flats and apartments numbered 487 at the 2021 Census, including newer buildings above shops in the town centre and workshops precinct.
- Medium-density redevelopment housing
- Townhouses and compact homes delivered through the DevelopmentWA program, such as the Woodbridge Lakes neighbourhood.
Official sale price and rent figures for High Wycombe and Midland
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.
High Wycombe
No government agency publishes a free median sale price or rent series for High Wycombe, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Midland
No government agency publishes a free median sale price or rent series for Midland, 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 High Wycombe and Midland
High Wycombe
Transport
- High Wycombe Station (train)
- Transperth buses (bus)
- Roe Highway (road)
- Kalamunda Road (road)
Amenities
- Scott Reserve
- Fleming Reserve
- High Wycombe local shops
Midland
Transport
- Midland Station (train)
- Midland Station bus interchange (bus)
- Great Eastern Highway (road)
- Great Northern Highway (road)
Schools and campuses
- Moorditj Noongar Community College (primary, government)
- Governor Stirling Senior High School (secondary, government)
- La Salle College (secondary, catholic)
- St Brigid's Primary School (primary, catholic)
- Curtin University, Midland Campus (tertiary, university)
- North Metropolitan TAFE, Midland Campus (tertiary, tafe)
Amenities
- St John of God Midland Public Hospital
- Midland Gate Shopping Centre
- Midland Railway Workshops and Railway Square
- Swan Active Midland
- Midland Library
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the Western Australia education department.
Compare High Wycombe or Midland with another suburb
Change either suburb, or add a third.
Related comparisons
Request a free assessment: High Wycombe or Midland
An accredited mortgage broker can check your borrowing power against prices in High Wycombe and Midland, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.