Morphett Vale vs Trott ParkTwo Adelaide suburbs compared for a home loan
Morphett Vale (SA 5162) is approximately 24 km south of the Adelaide CBD, east of the Southern Expressway. Trott Park (SA 5158) is approximately 18 km south of the Adelaide CBD, surrounded by open space. At the 2021 Census, Morphett Vale had 24,002 residents with a median age of 40, and Trott Park had 3,124 residents with a median age of 39.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 0% of occupied dwellings in Morphett Vale and 0% in Trott Park, while 29% of Morphett Vale households rented compared with 13% in Trott Park. 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 5162 · Adelaide's southern suburbs
Morphett Vale
Morphett Vale is South Australia's largest suburb by population, a historic southern town subdivided in the 1960s with a large rental market and no station.
City of Onkaparinga. Approximately 24 km south of the Adelaide CBD, east of the Southern Expressway.
Read the full Morphett Vale guideSA 5158 · Adelaide's southern suburbs
Trott Park
Trott Park is a small southern Adelaide suburb ringed by open space, with the Coast to Vines rail trail through it and more than half of households mortgaged.
City of Marion. Approximately 18 km south of the Adelaide CBD, surrounded by open space.
Read the full Trott Park guide
What buying in Morphett Vale and Trott Park 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 Morphett Vale and Trott Park.
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 Morphett Vale to see the repayment, transfer duty and upfront cash.
Enter a price for Trott Park 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.
Morphett Vale and Trott Park: 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 | Morphett Vale | Trott Park |
|---|---|---|
| People and households | ||
| Residents | 24,002 | 3,124 |
| Median ageAustralia 38 | 40 | 39 |
| Average household sizeAustralia 2.5 | 2.3 | 2.6 |
| Median household income, weeklyAustralia $1,746 | $1,199 | $1,752 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $295 | $350 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,300 | $1,517 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 29% | 13% |
| Owned with a mortgageAustralia 35% | 42% | 53% |
| Owned outrightAustralia 31% | 28% | 33% |
| Types of home | ||
| Separate housesAustralia 72% | 85% | 97% |
| Townhouses, terraces and semi-detachedAustralia 13% | 15% | 3% |
| Flats and apartmentsAustralia 14% | 0% | 0% |
| Homes with two bedrooms or fewer | 17% | 4% |
| Homes with four bedrooms or more | 18% | 32% |
| Dwellings unoccupied on Census night | 5% | 3% |
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 Morphett Vale and Trott Park
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.
Morphett Vale
- First home buyers
- Investors
- Upgraders
- Downsizers
- High loan-to-value borrowing is common here, so lenders mortgage insurance or the Australian Government 5% Deposit Scheme is often relevant.
- Median household income is below the national figure, so serviceability rather than deposit is frequently the binding constraint.
- Plentiful comparable sales make valuations predictable, but also make a price above recent evidence easy for a valuer to test.
- Homes built before the 1980s may contain asbestos-containing materials, which inspections and some insurers consider.
- Properties near the Southern Expressway may be affected by traffic noise, which valuers sometimes note.
Trott Park
- First home buyers
- Upgraders
- Investors
- More than half of households with a stated tenure had a mortgage, so budgets are sensitive to changes in repayments.
- No flats were recorded and only 28 townhouses, so low-maintenance housing is effectively unavailable.
- The suburb is small, with 1,117 occupied dwellings, so listings and comparable sales are few.
- Bushfire hazard mapping may apply where surrounding parkland brings vegetation close to housing.
- Only 13.1 per cent of households rented, so the tenant pool is thin for investors.
Housing stock in Morphett Vale and Trott Park compared
Morphett Vale
- Detached houses from the 1960s to 1980s
- Separate houses numbered 8,406 at the 2021 Census, 84.9 per cent of occupied homes, mostly single-storey on regular allotments.
- Townhouses and semi-detached dwellings
- At 1,459 dwellings, or 14.7 per cent of occupied homes, attached housing is a substantial part of this market.
- Three-bedroom family homes
- The most common size by a wide margin at 6,404 dwellings counted at the 2021 Census.
- Older town buildings
- A small number of nineteenth and early twentieth century properties survive from the town established from 1840.
Trott Park
- Detached family houses
- Separate houses numbered 1,086 at the 2021 Census, 97.2 per cent of occupied homes, among the highest shares in Adelaide.
- Three and four bedroom homes
- At the 2021 Census, 709 dwellings had three bedrooms and 316 had four, with only 43 two-bedroom homes.
- Townhouses
- Only 28 semi-detached or townhouse dwellings were counted at the 2021 Census, and no flats at all.
Official sale price and rent figures for Morphett Vale and Trott Park
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.
Morphett Vale
No government agency publishes a free median sale price or rent series for Morphett Vale, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Trott Park
No government agency publishes a free median sale price or rent series for Trott Park, 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 Morphett Vale and Trott Park
Morphett Vale
Transport
- Southern Expressway (road)
- Main South Road (road)
- Panalatinga Road (road)
- Adelaide Metro buses (bus)
- Noarlunga Centre Station (train)
Amenities
- Morphett Vale district shops
- Wilfred Taylor Reserve
Trott Park
Transport
- Hallett Cove Station (train)
- Adelaide Metro buses (bus)
- Southern Expressway (road)
- Coast to Vines rail trail (road)
Amenities
- O'Halloran Hill Recreation Park
- Roseworthy Park
- Hallett Cove shopping 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 Morphett Vale or Trott Park with another suburb
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Request a free assessment: Morphett Vale or Trott Park
An accredited mortgage broker can check your borrowing power against prices in Morphett Vale and Trott Park, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.