Midland vs MidvaleTwo Perth suburbs compared for a home loan
Midland (WA 6056) is approximately 16 km north-east of the Perth CBD, where Great Eastern Highway and Great Northern Highway meet. Midvale (WA 6056) is approximately 17 km east of the Perth CBD, adjoining Midland. At the 2021 Census, Midland had 6,335 residents with a median age of 39, and Midvale had 2,283 residents with a median age of 35.
The most common occupied dwelling was townhouses and terraces in Midland and separate houses in Midvale. Flats and apartments made up 17% of occupied dwellings in Midland and 0% in Midvale, while 63% of Midland households rented compared with 32% in Midvale. 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 6056 · Eastern metropolitan Perth
Midland
Midland is the strategic centre of Perth's east, with a rail terminus rebuilt in 2026, a public hospital, heritage workshops and mostly rented townhouses.
City of Swan. Approximately 16 km north-east of the Perth CBD, where Great Eastern Highway and Great Northern Highway meet.
Read the full Midland guideWA 6056 · Eastern suburbs of Perth
Midvale
Midvale is a small 1950s suburb beside Midland with a substantial State Housing component, renewed from the 1990s, where the median rent was $275 a week.
City of Swan. Approximately 17 km east of the Perth CBD, adjoining Midland.
Read the full Midvale guide
What buying in Midland and Midvale 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 Midland and Midvale.
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 Midland to see the repayment, transfer duty and upfront cash.
Enter a price for Midvale 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.
Midland and Midvale: 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 | Midland | Midvale |
|---|---|---|
| People and households | ||
| Residents | 6,335 | 2,283 |
| Median ageAustralia 38 | 39 | 35 |
| Average household sizeAustralia 2.5 | 1.9 | 2.5 |
| Median household income, weeklyAustralia $1,746 | $1,138 | $1,433 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $295 | $275 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,350 | $1,742 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 63% | 32% |
| Owned with a mortgageAustralia 35% | 19% | 51% |
| Owned outrightAustralia 31% | 17% | 16% |
| Types of home | ||
| Separate housesAustralia 72% | 32% | 82% |
| Townhouses, terraces and semi-detachedAustralia 13% | 51% | 18% |
| Flats and apartmentsAustralia 14% | 17% | 0% |
| Homes with two bedrooms or fewer | 42% | 19% |
| Homes with four bedrooms or more | 7% | 36% |
| Dwellings unoccupied on Census night | 14% | 11% |
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 Midland and Midvale
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.
Midland
- Investors
- First home buyers
- Downsizers
- Some lenders apply minimum internal floor areas and limit exposure to a single building or to postcodes with many units, which can reduce the maximum loan.
- Strata levies are included in serviceability assessments, and scheme insurance, reserve funds and planned works affect valuation.
- Lenders usually count only part of expected rent when assessing an investor's capacity, which matters in a suburb where most households rent.
- Flood prone and aircraft noise special control areas apply to parts of Midland, so insurance quotes are worth obtaining before an offer becomes unconditional.
- Heritage-listed places and converted workshop buildings may be valued more conservatively because alterations require approval.
- Western Australian contracts have no mandatory cooling-off period, so finance, inspection and strata disclosure matters need attention before signing.
Midvale
- First home buyers
- Investors
- Some lenders apply lower maximum loan-to-value ratios where social housing is concentrated.
- At 841 occupied dwellings, comparable sales evidence is thin and valuations less predictable.
- The suburb is split between the City of Swan and the Shire of Mundaring.
- Median weekly household income of $1,433 means serviceability commonly binds.
- The Great Eastern Highway and the Eastern Railway bound the suburb on two sides.
Housing stock in Midland and Midvale compared
Midland
- Strata villas and townhouses
- Semi-detached, terrace and townhouse dwellings numbered 1,468 of the 2,900 occupied homes counted at the 2021 Census.
- Older detached houses
- Separate houses in the streets around the town centre, some on lots with split density codings and some subject to heritage listing.
- Apartments and mixed-use buildings
- Flats and apartments numbered 487 at the 2021 Census, including newer buildings above shops in the town centre and workshops precinct.
- Medium-density redevelopment housing
- Townhouses and compact homes delivered through the DevelopmentWA program, such as the Woodbridge Lakes neighbourhood.
Midvale
- 1950s and renewal-era houses
- Separate houses numbered 687 at the 2021 Census, 81.7 per cent of occupied homes.
- Townhouses and villa units
- At 150 dwellings, or 17.8 per cent of occupied homes, above the national 12.6 per cent.
- Three and four bedroom homes
- At the 2021 Census, 374 dwellings had three bedrooms and 273 had four.
Official sale price and rent figures for Midland and Midvale
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.
Midland
No government agency publishes a free median sale price or rent series for Midland, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Midvale
No government agency publishes a free median sale price or rent series for Midvale, 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 Midland and Midvale
Midland
Transport
- Midland Station (train)
- Midland Station bus interchange (bus)
- Great Eastern Highway (road)
- Great Northern Highway (road)
Schools and campuses
- Moorditj Noongar Community College (primary, government)
- Governor Stirling Senior High School (secondary, government)
- La Salle College (secondary, catholic)
- St Brigid's Primary School (primary, catholic)
- Curtin University, Midland Campus (tertiary, university)
- North Metropolitan TAFE, Midland Campus (tertiary, tafe)
Amenities
- St John of God Midland Public Hospital
- Midland Gate Shopping Centre
- Midland Railway Workshops and Railway Square
- Swan Active Midland
- Midland Library
Midvale
Transport
- Midland Station (train)
- Transperth buses (bus)
- Great Eastern Highway (road)
- Roe Highway (road)
Amenities
- Midland town centre
- Helena Vale reserves
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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