Hilbert vs KelmscottTwo Perth suburbs compared for a home loan
Hilbert (WA 6112) is approximately 33 km south-east of the Perth CBD, on the city's fringe. Kelmscott (WA 6111) is approximately 23 km south-east of the Perth CBD, bisected by the Canning River. At the 2021 Census, Hilbert had 4,165 residents with a median age of 29, and Kelmscott had 10,575 residents with a median age of 40.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 0% of occupied dwellings in Hilbert and 2% in Kelmscott, while 14% of Hilbert households rented compared with 27% in Kelmscott. 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 6112 · South-eastern growth corridor of Perth
Hilbert
Hilbert is a City of Armadale fringe suburb subdivided from the 2010s, with the highest mortgage share of any suburb in these guides at 78.4 per cent.
City of Armadale. Approximately 33 km south-east of the Perth CBD, on the city's fringe.
Read the full Hilbert guideWA 6111 · South-eastern suburbs of Perth
Kelmscott
Kelmscott is one of the Swan River Colony's four original townsites, bisected by the Canning River, with an Armadale line station and affordable stock.
City of Armadale. Approximately 23 km south-east of the Perth CBD, bisected by the Canning River.
Read the full Kelmscott guide
What buying in Hilbert and Kelmscott 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 Hilbert and Kelmscott.
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 Hilbert to see the repayment, transfer duty and upfront cash.
Enter a price for Kelmscott 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.
Hilbert and Kelmscott: 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 | Hilbert | Kelmscott |
|---|---|---|
| People and households | ||
| Residents | 4,165 | 10,575 |
| Median ageAustralia 38 | 29 | 40 |
| Average household sizeAustralia 2.5 | 2.9 | 2.4 |
| Median household income, weeklyAustralia $1,746 | $2,073 | $1,355 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $370 | $290 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,800 | $1,500 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 14% | 27% |
| Owned with a mortgageAustralia 35% | 78% | 41% |
| Owned outrightAustralia 31% | 8% | 31% |
| Types of home | ||
| Separate housesAustralia 72% | 100% | 82% |
| Townhouses, terraces and semi-detachedAustralia 13% | 0% | 16% |
| Flats and apartmentsAustralia 14% | 0% | 2% |
| Homes with two bedrooms or fewer | 1% | 10% |
| Homes with four bedrooms or more | 58% | 35% |
| Dwellings unoccupied on Census night | 4% | 8% |
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 Hilbert and Kelmscott
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.
Hilbert
- First home buyers
- Upgraders
- At 78.4 per cent mortgaged and 7.9 per cent outright, budgets are the most repayment sensitive in these guides.
- Established resales compete directly with new homes the developer is still releasing.
- The Hilbert Road Swamp wetland can bring groundwater, drainage, filling and clearing constraints nearby.
- Semi-rural fringe land is more likely to be designated bush fire prone, adding construction cost.
- Construction loans are drawn in stages and valued on an as-if-complete basis.
Kelmscott
- First home buyers
- Upgraders
- Investors
- The Canning River bisects the suburb, and the two sides differ in terrain, housing and hazard profile.
- Bushfire designation is more likely on the rising eastern side towards the scarp, which affects insurance.
- Comparable evidence should be drawn from the relevant side of the river rather than the suburb as a whole.
- Strata levies on the townhouse stock are counted in serviceability assessments.
- Median weekly household income of $1,355 means serviceability often binds before deposit.
Housing stock in Hilbert and Kelmscott compared
Hilbert
- Modern detached estate homes
- Separate houses numbered 1,375 at the 2021 Census, 99.6 per cent of occupied homes, the highest share in these guides.
- Four-bedroom family homes
- The most common size at 754 dwellings counted at the 2021 Census, against 539 with three bedrooms.
- House and land packages
- Vacant lots in the continuing subdivision of this semi-rural fringe, funded by a construction loan.
Kelmscott
- Detached houses
- Separate houses numbered 3,334 at the 2021 Census, 81.5 per cent of occupied homes across both sides of the river.
- Townhouses and villa units
- At 639 dwellings, or 15.6 per cent of occupied homes, attached infill is above the national share.
- Three-bedroom homes
- The dominant size at 2,173 dwellings counted at the 2021 Census, against 1,182 with four bedrooms.
Official sale price and rent figures for Hilbert and Kelmscott
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.
Hilbert
No government agency publishes a free median sale price or rent series for Hilbert, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Kelmscott
No government agency publishes a free median sale price or rent series for Kelmscott, 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 Hilbert and Kelmscott
Hilbert
Transport
- Armadale Station (train)
- Byford Station (train)
- Transperth buses (bus)
- Armadale Road (road)
Amenities
- Armadale district centre
- Hilbert Road Swamp wetland
Kelmscott
Transport
- Kelmscott Station (train)
- Route 243 (bus)
- Albany Highway (road)
- Armadale Station (train)
Amenities
- Kelmscott town centre
- Canning River corridor
- Armadale district centre
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 Hilbert or Kelmscott with another suburb
Change either suburb, or add a third.
Related comparisons
Request a free assessment: Hilbert or Kelmscott
An accredited mortgage broker can check your borrowing power against prices in Hilbert and Kelmscott, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.