Kilburn vs OsborneTwo Adelaide suburbs compared for a home loan
Kilburn (SA 5084) is approximately 7 km north of the Adelaide CBD, west of Prospect. Osborne (SA 5017) is approximately 21 km north-west of the Adelaide CBD, on the LeFevre Peninsula. At the 2021 Census, Kilburn had 5,633 residents with a median age of 34, and Osborne had 1,951 residents with a median age of 41.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 11% of occupied dwellings in Kilburn and 5% in Osborne, while 56% of Kilburn households rented compared with 32% in Osborne. 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 5084 · Adelaide's inner north
Kilburn
Kilburn is an inner-northern Adelaide suburb once named Chicago, where attached dwellings nearly match houses and renting exceeds half of households.
City of Port Adelaide Enfield. Approximately 7 km north of the Adelaide CBD, west of Prospect.
Read the full Kilburn guideSA 5017 · LeFevre Peninsula
Osborne
Osborne is a LeFevre Peninsula suburb beside the Osborne Naval Shipyard, with its own station, mostly detached housing and a small, steady market.
City of Port Adelaide Enfield. Approximately 21 km north-west of the Adelaide CBD, on the LeFevre Peninsula.
Read the full Osborne guide
What buying in Kilburn and Osborne 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 Kilburn and Osborne.
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 Kilburn to see the repayment, transfer duty and upfront cash.
Enter a price for Osborne 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.
Kilburn and Osborne: 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 | Kilburn | Osborne |
|---|---|---|
| People and households | ||
| Residents | 5,633 | 1,951 |
| Median ageAustralia 38 | 34 | 41 |
| Average household sizeAustralia 2.5 | 2.6 | 2.3 |
| Median household income, weeklyAustralia $1,746 | $1,179 | $1,336 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $270 | $300 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,472 | $1,468 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 56% | 32% |
| Owned with a mortgageAustralia 35% | 24% | 40% |
| Owned outrightAustralia 31% | 18% | 27% |
| Types of home | ||
| Separate housesAustralia 72% | 46% | 84% |
| Townhouses, terraces and semi-detachedAustralia 13% | 42% | 10% |
| Flats and apartmentsAustralia 14% | 11% | 5% |
| Homes with two bedrooms or fewer | 34% | 20% |
| Homes with four bedrooms or more | 15% | 13% |
| Dwellings unoccupied on Census night | 9% | 5% |
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 Kilburn and Osborne
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.
Kilburn
- Investors
- First home buyers
- Attached dwellings dominate, so lender policy on units, minimum floor areas and corporation levies drive the outcome.
- Some lenders apply a lower maximum loan-to-value ratio where public housing was concentrated.
- Kilburn shares postcode 5084 with Blair Athol, so confirm how a postcode-based lender or insurer policy treats the suburb.
- Renting exceeded half of households with a stated tenure, so many purchases are investment lending.
- Properties near the industrial land at Wingfield and Regency Park may be affected by traffic and activity.
Osborne
- First home buyers
- Upgraders
- Investors
- The suburb is small, with 821 occupied dwellings at the 2021 Census, so comparable sales evidence can be thin.
- Properties near industrial land may attract a more conservative view from some lenders and valuers.
- Coastal and flood hazard mapping on a low-lying peninsula can affect building insurance price and terms.
- A marine environment accelerates corrosion and salt damp, which building inspections commonly identify.
- Redeveloped industrial allotments can raise site history and acid sulfate soil questions.
Housing stock in Kilburn and Osborne compared
Kilburn
- Semi-detached and townhouse dwellings
- At 856 dwellings, or 42.4 per cent of occupied homes at the 2021 Census, attached housing nearly matches detached.
- Detached houses
- Separate houses numbered 922 at the 2021 Census, only 45.7 per cent of occupied homes against 72.3 per cent nationally.
- Flats and apartments
- The 222 flats counted at the 2021 Census, 11.0 per cent of occupied homes, are mostly in small older groups.
Osborne
- Detached houses
- Separate houses numbered 693 at the 2021 Census, 84.4 per cent of occupied homes, mostly single-storey on regular allotments.
- Three-bedroom homes
- The dominant size at 535 dwellings counted at the 2021 Census.
- Townhouses and flats
- The 83 semi-detached or townhouse dwellings and 42 flats counted at the 2021 Census are the main smaller options.
Official sale price and rent figures for Kilburn and Osborne
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.
Kilburn
No government agency publishes a free median sale price or rent series for Kilburn, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Osborne
No government agency publishes a free median sale price or rent series for Osborne, 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 Kilburn and Osborne
Kilburn
Transport
- Adelaide Metro buses (bus)
- Main North Road (road)
- Grand Junction Road (road)
- Churchill Road (road)
Amenities
- Kilburn local shops
- Gepps Cross retail precinct
Osborne
Transport
- Osborne Station (train)
- Adelaide Metro buses (bus)
- Victoria Road (road)
- Port River Expressway (road)
Amenities
- Osborne Naval Shipyard
- Gulf St Vincent beaches
- Port Adelaide town centre
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.
Compare Kilburn or Osborne with another suburb
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Request a free assessment: Kilburn or Osborne
An accredited mortgage broker can check your borrowing power against prices in Kilburn and Osborne, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.