Kilkenny vs PlymptonTwo Adelaide suburbs compared for a home loan
Kilkenny (SA 5009) is approximately 6 km north-west of the Adelaide CBD, on the Outer Harbor line. Plympton (SA 5038) is approximately 6 km south-west of the Adelaide CBD, on Anzac Highway. At the 2021 Census, Kilkenny had 1,846 residents with a median age of 39, and Plympton had 5,459 residents with a median age of 34.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 12% of occupied dwellings in Kilkenny and 25% in Plympton, while 32% of Kilkenny households rented compared with 45% in Plympton. 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 5009 · Adelaide's inner north-west
Kilkenny
Kilkenny is a small inner north-western Adelaide suburb with its own station on the Outer Harbor line and an unusually even three-way split of tenure.
City of Charles Sturt. Approximately 6 km north-west of the Adelaide CBD, on the Outer Harbor line.
Read the full Kilkenny guideSA 5038 · Adelaide's inner south-west
Plympton
Plympton is an inner south-western Adelaide suburb on Anzac Highway where renting approaches half of households and units outnumber houses combined.
City of West Torrens. Approximately 6 km south-west of the Adelaide CBD, on Anzac Highway.
Read the full Plympton guide
What buying in Kilkenny and Plympton 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 Kilkenny and Plympton.
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 Kilkenny to see the repayment, transfer duty and upfront cash.
Enter a price for Plympton 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.
Kilkenny and Plympton: 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 | Kilkenny | Plympton |
|---|---|---|
| People and households | ||
| Residents | 1,846 | 5,459 |
| Median ageAustralia 38 | 39 | 34 |
| Average household sizeAustralia 2.5 | 2.5 | 2.3 |
| Median household income, weeklyAustralia $1,746 | $1,399 | $1,598 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $320 | $300 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,517 | $1,662 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 32% | 45% |
| Owned with a mortgageAustralia 35% | 29% | 29% |
| Owned outrightAustralia 31% | 31% | 24% |
| Types of home | ||
| Separate housesAustralia 72% | 66% | 51% |
| Townhouses, terraces and semi-detachedAustralia 13% | 22% | 23% |
| Flats and apartmentsAustralia 14% | 12% | 25% |
| Homes with two bedrooms or fewer | 33% | 48% |
| Homes with four bedrooms or more | 14% | 12% |
| 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 Kilkenny and Plympton
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.
Kilkenny
- First home buyers
- Investors
- Downsizers
- The suburb is small, with 712 occupied dwellings, so comparable sales evidence can be thin.
- Small units can fall below the minimum internal floor area some lenders require.
- Corporation levies are counted in serviceability assessments and reduce borrowing power.
- Older records may describe the northern half of the suburb as Challa Gardens, Woodville East or Kilkenny North.
- Redeveloped allotments near surrounding industrial land can raise site history questions.
Plympton
- First home buyers
- Investors
- Downsizers
- Units and townhouses make up nearly half of all dwellings, so lender policy on strata security is central.
- Small one and two bedroom units can fall below the minimum internal floor area some lenders require.
- Corporation levies are counted in serviceability assessments, and older groups may have modest sinking funds.
- Properties fronting Anzac Highway, Marion Road or Cross Road may be affected by traffic noise.
- Renting reached 45.4 per cent of households with a stated tenure, so investment lending is common.
Housing stock in Kilkenny and Plympton compared
Kilkenny
- Detached houses
- Separate houses numbered 469 at the 2021 Census, 65.9 per cent of occupied homes, below the national 72.3 per cent.
- Townhouses and semi-detached dwellings
- At 154 dwellings, or 21.6 per cent of occupied homes, attached housing is well above the national share.
- Flats and apartments
- The 82 flats counted at the 2021 Census are mostly in small groups throughout the suburb.
Plympton
- Home units and apartments
- At 587 dwellings, or 24.9 per cent of occupied homes at the 2021 Census, flats are well above the national 14.2 per cent.
- Townhouses and semi-detached dwellings
- The 549 attached dwellings counted at the 2021 Census, 23.3 per cent of occupied homes, are largely infill on subdivided sites.
- Detached houses
- Separate houses numbered 1,208 at the 2021 Census, only 51.2 per cent of occupied homes against 72.3 per cent nationally.
Official sale price and rent figures for Kilkenny and Plympton
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.
Kilkenny
No government agency publishes a free median sale price or rent series for Kilkenny, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Plympton
No government agency publishes a free median sale price or rent series for Plympton, 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 Kilkenny and Plympton
Kilkenny
Transport
- Kilkenny Station (train)
- Adelaide Metro buses (bus)
- Torrens Road (road)
- Port Road (road)
Amenities
- Kilkenny local shops
- Austral Picture Palace building
Plympton
Transport
- Glenelg tram line (tram)
- Adelaide Metro buses (bus)
- Anzac Highway (road)
- Marion Road (road)
- Cross Road (road)
Amenities
- Anzac Highway shops
- West Side cycleway
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: Kilkenny or Plympton
An accredited mortgage broker can check your borrowing power against prices in Kilkenny and Plympton, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.