Kenwick vs MaddingtonTwo Perth suburbs compared for a home loan
Kenwick (WA 6107) is approximately 14 km south-east of the Perth CBD, beside the Canning River. Maddington (WA 6109) is approximately 16 km south-east of the Perth CBD, between the Canning River and Tonkin Highway. At the 2021 Census, Kenwick had 5,684 residents with a median age of 35, and Maddington had 12,419 residents with a median age of 35.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 0% of occupied dwellings in Kenwick and 4% in Maddington, while 29% of Kenwick households rented compared with 28% in Maddington. 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 6107 · South-east metropolitan Perth
Kenwick
Kenwick is a small City of Gosnells suburb of older detached houses, with a station on the Armadale Line and a large industrial and rural area.
City of Gosnells. Approximately 14 km south-east of the Perth CBD, beside the Canning River.
Read the full Kenwick guideWA 6109 · South-east metropolitan Perth
Maddington
Maddington is an established City of Gosnells suburb with older houses, infill villas, an Armadale Line station and the Maddington Central centre.
City of Gosnells. Approximately 16 km south-east of the Perth CBD, between the Canning River and Tonkin Highway.
Read the full Maddington guide
What buying in Kenwick and Maddington 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 Kenwick and Maddington.
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 Kenwick to see the repayment, transfer duty and upfront cash.
Enter a price for Maddington 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.
Kenwick and Maddington: 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 | Kenwick | Maddington |
|---|---|---|
| People and households | ||
| Residents | 5,684 | 12,419 |
| Median ageAustralia 38 | 35 | 35 |
| Average household sizeAustralia 2.5 | 2.7 | 2.7 |
| Median household income, weeklyAustralia $1,746 | $1,433 | $1,364 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $300 | $300 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,517 | $1,509 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 29% | 28% |
| Owned with a mortgageAustralia 35% | 45% | 45% |
| Owned outrightAustralia 31% | 25% | 23% |
| Types of home | ||
| Separate housesAustralia 72% | 98% | 84% |
| Townhouses, terraces and semi-detachedAustralia 13% | 1% | 11% |
| Flats and apartmentsAustralia 14% | 0% | 4% |
| Homes with two bedrooms or fewer | 6% | 11% |
| Homes with four bedrooms or more | 43% | 35% |
| Dwellings unoccupied on Census night | 7% | 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 Kenwick and Maddington
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.
Kenwick
- First home buyers
- Upgraders
- Investors
- With fewer than two thousand occupied dwellings at the 2021 Census, comparable sales are limited and a valuation can differ from the contract price.
- Valuers may comment on proximity to the passenger and freight railways, Albany Highway or industrial premises where these affect a particular property.
- Rural or industrial zoned land, and larger lots, may fall outside standard residential lending policy and can require a larger deposit.
- Lenders generally value a house on its existing use, so a premium paid for subdivision potential may not be reflected in the valuation.
- An older house may attract comments on condition, asbestos-containing materials or additions without approval, and a lender can request further reports.
- With no mandatory cooling-off period in Western Australia, finance and inspection conditions have to be included in the offer before it is signed.
Maddington
- First home buyers
- Investors
- Downsizers
- Upgraders
- Certain lenders and mortgage insurers apply lower maximum loan-to-value ratios in some postcodes, so the treatment of postcode 6109 is worth confirming early.
- Buyers with modest deposits will usually need lenders mortgage insurance or, if eligible, a place in the Australian Government 5% Deposit Scheme.
- Small villas and flats can fall below a lender's minimum internal floor area, and strata levies are counted as an expense when borrowing capacity is assessed.
- A valuation normally reflects the existing dwelling, so a price that includes a premium for subdivision potential may not be fully supported.
- Valuers may note the condition of an older house, possible asbestos-containing materials or additions without approval, which can prompt a lender to request reports.
- Insurance can cost more within the mapped Canning River floodplain or a bush fire prone area, and lenders need cover in place by settlement.
Housing stock in Kenwick and Maddington compared
Kenwick
- Older three-bedroom houses
- Established single-storey homes on full-sized lots; the 2021 Census counted 951 three-bedroom dwellings.
- Four-bedroom family houses
- The 2021 Census counted 745 four-bedroom homes and a further 109 with five or more bedrooms.
- Rural and semi-rural lots
- Larger properties north of the housing area, much of it zoned or proposed for industrial and business uses under separate planning controls.
Maddington
- Older three-bedroom houses
- The most common dwelling size, with 2,242 three-bedroom homes counted at the 2021 Census, mostly older houses on full-sized lots.
- Villas, duplexes and townhouses
- The 2021 Census counted 474 semi-detached, terrace or townhouse dwellings, typically strata titled and in small groups.
- Four-bedroom family houses
- The 2021 Census counted 1,311 four-bedroom homes and 189 with five or more bedrooms.
- Flats and apartments
- A small segment of the market: the 2021 Census counted 165 flats or apartments.
Official sale price and rent figures for Kenwick and Maddington
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.
Kenwick
No government agency publishes a free median sale price or rent series for Kenwick, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Maddington
No government agency publishes a free median sale price or rent series for Maddington, 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 Kenwick and Maddington
Kenwick
Transport
- Kenwick Station (train)
- Route 227 (bus)
- Route 220 (bus)
- Albany Highway (road)
- Kenwick Link (road)
- Tonkin Highway (road)
Schools and campuses
- East Kenwick Primary School (primary, government)
- Kenwick School (special, government)
- Rehoboth Christian College, Kenwick campus (combined, independent)
- Communicare Academy (secondary, independent)
Amenities
- Oliphant Park
- Aldinga Street Reserve
- Brixton Street Conservation Area
- Kenwick Pioneer Cemetery
- Maddington Central (Maddington)
- Westfield Carousel (Cannington)
Maddington
Transport
- Maddington Station (train)
- Route 227 (bus)
- Route 220 (bus)
- Maddington Station bus services (bus)
- Albany Highway (road)
- Tonkin Highway (road)
Schools and campuses
- Yule Brook College (secondary, government)
- Maddington Primary School (primary, government)
- East Maddington Primary School (primary, government)
- Bramfield Park Primary School (primary, government)
- Maddington Education Support Centre (special, government)
Amenities
- Maddington Central
- Harmony Fields
- Ashford Park
- Maddington Homestead
- Armadale Health Service (Mount Nasura)
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.
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