Ingle Farm vs SalisburyTwo Adelaide suburbs compared for a home loan
Ingle Farm (SA 5098) is approximately 12 km north-east of the Adelaide CBD, at the base of the foothills. Salisbury (SA 5108) is approximately 20 km north of the Adelaide CBD, on the Gawler railway line. At the 2021 Census, Ingle Farm had 9,543 residents with a median age of 39, and Salisbury had 8,841 residents with a median age of 37.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 3% of occupied dwellings in Ingle Farm and 15% in Salisbury, while 27% of Ingle Farm households rented compared with 43% in Salisbury. 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.
SA 5098 · Adelaide's northern suburbs
Ingle Farm
Ingle Farm is an established northern Adelaide suburb of detached houses at the base of the foothills, with balanced tenure and a large shopping centre.
City of Salisbury. Approximately 12 km north-east of the Adelaide CBD, at the base of the foothills.
Read the full Ingle Farm guideSA 5108 · Adelaide's northern suburbs
Salisbury
Salisbury is the centre of Adelaide's northern suburbs, with a rail interchange, the district's most varied housing and renting the largest tenure.
City of Salisbury. Approximately 20 km north of the Adelaide CBD, on the Gawler railway line.
Read the full Salisbury guide
What buying in Ingle Farm and Salisbury 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 Ingle Farm and Salisbury.
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 Ingle Farm to see the repayment, transfer duty and upfront cash.
Enter a price for Salisbury 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.
Ingle Farm and Salisbury: 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 | Ingle Farm | Salisbury |
|---|---|---|
| People and households | ||
| Residents | 9,543 | 8,841 |
| Median ageAustralia 38 | 39 | 37 |
| Average household sizeAustralia 2.5 | 2.5 | 2.5 |
| Median household income, weeklyAustralia $1,746 | $1,286 | $1,029 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $310 | $260 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,387 | $1,213 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 27% | 43% |
| Owned with a mortgageAustralia 35% | 37% | 29% |
| Owned outrightAustralia 31% | 34% | 26% |
| Types of home | ||
| Separate housesAustralia 72% | 92% | 61% |
| Townhouses, terraces and semi-detachedAustralia 13% | 5% | 24% |
| Flats and apartmentsAustralia 14% | 3% | 15% |
| Homes with two bedrooms or fewer | 8% | 33% |
| Homes with four bedrooms or more | 14% | 14% |
| Dwellings unoccupied on Census night | 5% | 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 Ingle Farm and Salisbury
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.
Ingle Farm
- First home buyers
- Upgraders
- Investors
- Downsizers
- Three-bedroom houses dominate the stock, so choice of larger family homes is more limited than in newer suburbs.
- Outright ownership of 34.3 per cent points to a settled market with less reliance on high loan-to-value borrowing.
- Median weekly household income of $1,286 was below the national figure, so serviceability often binds first.
- Homes built before the 1980s may contain asbestos-containing materials, which inspections and some insurers consider.
- Where a property is connected to the Salisbury Water recycled supply, plumbing alterations should be checked.
Salisbury
- First home buyers
- Investors
- Downsizers
- Small home units can fall below the minimum internal floor area that some lenders and mortgage insurers require.
- Units above commercial premises near the town centre may be treated as mixed-use security with a lower maximum loan-to-value ratio.
- Strata and community corporation levies are counted in serviceability assessments and reduce borrowing power.
- Median weekly household income of $1,029 was well below the national figure, so serviceability usually binds first.
- Where a property is connected to the Salisbury Water recycled supply, plumbing alterations should be checked.
Housing stock in Ingle Farm and Salisbury compared
Ingle Farm
- Detached houses
- Separate houses numbered 3,329 at the 2021 Census, 92.1 per cent of occupied homes, well above the national 72.3 per cent.
- Three-bedroom homes
- Overwhelmingly dominant at 2,780 dwellings counted at the 2021 Census, against 424 with four bedrooms.
- Townhouses and flats
- The 167 semi-detached or townhouse dwellings and 116 flats counted at the 2021 Census are the main smaller options.
Salisbury
- Detached houses
- Separate houses numbered 2,026 at the 2021 Census, 61.3 per cent of occupied homes, well below the national 72.3 per cent.
- Townhouses and semi-detached dwellings
- At 789 dwellings, or 23.9 per cent of occupied homes, attached housing is nearly double the national share.
- Home units and apartments
- The 481 flats counted at the 2021 Census, 14.6 per cent of occupied homes, are unusual for the northern suburbs.
Official sale price and rent figures for Ingle Farm and Salisbury
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.
Ingle Farm
No government agency publishes a free median sale price or rent series for Ingle Farm, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Salisbury
No government agency publishes a free median sale price or rent series for Salisbury, 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 Ingle Farm and Salisbury
Ingle Farm
Transport
- Adelaide Metro buses (bus)
- O-Bahn busway (bus)
- Montague Road (road)
- North East Road (road)
Amenities
- Ingle Farm shopping centre
- Ingle Farm reserves
Salisbury
Transport
- Salisbury Interchange (train)
- Adelaide Metro buses (bus)
- Main North Road (road)
- Salisbury Highway (road)
Amenities
- Salisbury town centre
- Salisbury Library
- Salisbury Oval
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the South Australia education department.
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Request a free assessment: Ingle Farm or Salisbury
An accredited mortgage broker can check your borrowing power against prices in Ingle Farm and Salisbury, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.