Parafield Gardens vs ParalowieTwo Adelaide suburbs compared for a home loan
Parafield Gardens (SA 5107) is approximately 18 km north of the Adelaide CBD, west of Parafield Airport. Paralowie (SA 5108) is approximately 21 km north of the Adelaide CBD, west of Salisbury. At the 2021 Census, Parafield Gardens had 18,467 residents with a median age of 36, and Paralowie had 17,504 residents with a median age of 35.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 2% of occupied dwellings in Parafield Gardens and 1% in Paralowie, while 29% of Parafield Gardens households rented compared with 25% in Paralowie. 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 5107 · Adelaide's northern suburbs
Parafield Gardens
Parafield Gardens is a large northern Adelaide suburb of detached family homes beside Parafield Airport, with balanced tenure and plentiful stock.
City of Salisbury. Approximately 18 km north of the Adelaide CBD, west of Parafield Airport.
Read the full Parafield Gardens guideSA 5108 · Adelaide's northern suburbs
Paralowie
Paralowie is one of South Australia's largest suburbs by population, built mostly of detached family homes with half of households paying a mortgage.
City of Salisbury. Approximately 21 km north of the Adelaide CBD, west of Salisbury.
Read the full Paralowie guide
What buying in Parafield Gardens and Paralowie 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 Parafield Gardens and Paralowie.
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 Parafield Gardens to see the repayment, transfer duty and upfront cash.
Enter a price for Paralowie 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.
Parafield Gardens and Paralowie: 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 | Parafield Gardens | Paralowie |
|---|---|---|
| People and households | ||
| Residents | 18,467 | 17,504 |
| Median ageAustralia 38 | 36 | 35 |
| Average household sizeAustralia 2.5 | 2.9 | 2.9 |
| Median household income, weeklyAustralia $1,746 | $1,384 | $1,479 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $300 | $305 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,382 | $1,300 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 29% | 25% |
| Owned with a mortgageAustralia 35% | 41% | 50% |
| Owned outrightAustralia 31% | 28% | 24% |
| Types of home | ||
| Separate housesAustralia 72% | 89% | 94% |
| Townhouses, terraces and semi-detachedAustralia 13% | 8% | 5% |
| Flats and apartmentsAustralia 14% | 2% | 1% |
| Homes with two bedrooms or fewer | 10% | 6% |
| Homes with four bedrooms or more | 27% | 29% |
| Dwellings unoccupied on Census night | 4% | 4% |
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 Parafield Gardens and Paralowie
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.
Parafield Gardens
- First home buyers
- Upgraders
- Investors
- Parafield Airport adjoins the suburb to the east, and aircraft noise exposure may affect value on nearby streets.
- Median weekly household income of $1,384 was below the national figure, so serviceability often binds before deposit.
- High loan-to-value borrowing is common, so lenders mortgage insurance or the 5% Deposit Scheme is often relevant.
- Plentiful comparable sales make valuations predictable across the suburb.
- Where a property is connected to the Salisbury Water recycled supply, plumbing alterations should be checked.
Paralowie
- First home buyers
- Upgraders
- Investors
- Half of households with a stated tenure had a mortgage, so budgets are sensitive to changes in repayments.
- High loan-to-value borrowing is common, so lenders mortgage insurance or the Australian Government 5% Deposit Scheme is often relevant.
- Plentiful comparable sales make valuations predictable, but also make a price above recent evidence easy to test.
- Two addresses in the suburb are State Heritage Places, where development is constrained.
- Homes built before the 1980s may contain asbestos-containing materials, which inspections and some insurers consider.
Housing stock in Parafield Gardens and Paralowie compared
Parafield Gardens
- Detached family houses
- Separate houses numbered 5,483 at the 2021 Census, 89.3 per cent of occupied homes, well above the national 72.3 per cent.
- Three and four bedroom homes
- At the 2021 Census, 3,774 dwellings had three bedrooms and 1,449 had four, with 516 two-bedroom homes.
- Townhouses and semi-detached dwellings
- The 513 attached dwellings counted at the 2021 Census are the main smaller option in the suburb.
Paralowie
- Detached family houses
- Separate houses numbered 5,549 at the 2021 Census, 94.1 per cent of occupied homes, well above the national 72.3 per cent.
- Three and four bedroom homes
- At the 2021 Census, 3,727 dwellings had three bedrooms and 1,503 had four, with only 330 two-bedroom homes.
- Townhouses and semi-detached dwellings
- Only 274 were counted at the 2021 Census, so smaller attached stock is scarce.
Official sale price and rent figures for Parafield Gardens and Paralowie
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.
Parafield Gardens
No government agency publishes a free median sale price or rent series for Parafield Gardens, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Paralowie
No government agency publishes a free median sale price or rent series for Paralowie, 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 Parafield Gardens and Paralowie
Parafield Gardens
Transport
- Salisbury Interchange (train)
- Adelaide Metro buses (bus)
- Salisbury Highway (road)
- Parafield Airport (airport)
Amenities
- Parafield Gardens local shops
- Salisbury town centre
Paralowie
Transport
- Salisbury Interchange (train)
- Adelaide Metro buses (bus)
- Salisbury Highway (road)
- Waterloo Corner Road (road)
Amenities
- Paralowie local shops
- Salisbury town centre
- Paralowie reserves
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 Parafield Gardens or Paralowie with another suburb
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Request a free assessment: Parafield Gardens or Paralowie
An accredited mortgage broker can check your borrowing power against prices in Parafield Gardens and Paralowie, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.