Parmelia vs WellardTwo Perth suburbs compared for a home loan
Parmelia (WA 6167) is approximately 34 km south of the Perth CBD, near the Kwinana town centre. Wellard (WA 6170) is approximately 37 km south of the Perth CBD, around Wellard station. At the 2021 Census, Parmelia had 6,184 residents with a median age of 37, and Wellard had 14,127 residents with a median age of 31.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 1% of occupied dwellings in Parmelia and 2% in Wellard, while 29% of Parmelia households rented compared with 26% in Wellard. 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 6167 · Southern suburbs of Perth
Parmelia
Parmelia is a City of Kwinana suburb named after the colony's first ship, with 1970s homes once occupied by BP refinery managers.
City of Kwinana. Approximately 34 km south of the Perth CBD, near the Kwinana town centre.
Read the full Parmelia guideWA 6170 · Southern suburbs of Perth
Wellard
Wellard is a City of Kwinana suburb built around Perth's first transit-oriented development, which grew more than fourfold in the decade to 2021.
City of Kwinana. Approximately 37 km south of the Perth CBD, around Wellard station.
Read the full Wellard guide
What buying in Parmelia and Wellard 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 Parmelia and Wellard.
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 Parmelia to see the repayment, transfer duty and upfront cash.
Enter a price for Wellard 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.
Parmelia and Wellard: 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 | Parmelia | Wellard |
|---|---|---|
| People and households | ||
| Residents | 6,184 | 14,127 |
| Median ageAustralia 38 | 37 | 31 |
| Average household sizeAustralia 2.5 | 2.5 | 3.0 |
| Median household income, weeklyAustralia $1,746 | $1,297 | $2,115 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $280 | $350 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,300 | $1,902 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 29% | 26% |
| Owned with a mortgageAustralia 35% | 46% | 65% |
| Owned outrightAustralia 31% | 24% | 9% |
| Types of home | ||
| Separate housesAustralia 72% | 94% | 95% |
| Townhouses, terraces and semi-detachedAustralia 13% | 4% | 2% |
| Flats and apartmentsAustralia 14% | 1% | 2% |
| Homes with two bedrooms or fewer | 8% | 5% |
| Homes with four bedrooms or more | 40% | 62% |
| Dwellings unoccupied on Census night | 8% | 6% |
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 Parmelia and Wellard
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.
Parmelia
- First home buyers
- Upgraders
- Investors
- The Kwinana industrial strip lies to the west, and some lenders view residential security near heavy industry conservatively.
- Median weekly household income of $1,297 means serviceability usually binds before deposit.
- There is no mandatory seller disclosure statement in Western Australia, so amenity matters may not be volunteered.
- Larger former manager homes sit above the local range and may have thinner comparable evidence.
- Homes built before the 1980s may contain asbestos-containing materials, which inspections consider.
Wellard
- First home buyers
- Upgraders
- Investors
- Outright ownership of only 9.1 per cent means budgets are highly sensitive to changes in repayments.
- High loan-to-value borrowing is common, so lenders mortgage insurance or the 5% Deposit Scheme is often relevant.
- The development will ultimately hold 1,700 households, so new stock continues to compete with resales.
- Construction loans are drawn in stages and valued on an as-if-complete basis.
- Developer encumbrances controlling design and external appearance may remain registered on titles.
Housing stock in Parmelia and Wellard compared
Parmelia
- Detached houses from the 1970s
- Separate houses numbered 2,218 at the 2021 Census, 94.1 per cent of occupied homes.
- Former refinery manager homes
- Chisham Avenue features 1970s homes once occupied by managers for BP's oil refinery operations and company executives.
- Three and four bedroom homes
- At the 2021 Census, 1,191 dwellings had three bedrooms and 840 had four.
Wellard
- Four-bedroom estate homes
- The dominant size at 2,612 dwellings counted at the 2021 Census, with 246 more having five or more bedrooms.
- Three-bedroom houses
- The 1,446 three-bedroom dwellings counted at the 2021 Census, with only 201 two-bedroom homes.
- Apartments near the station
- The 107 flats counted at the 2021 Census form part of the transit-oriented development around the station.
Official sale price and rent figures for Parmelia and Wellard
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.
Parmelia
No government agency publishes a free median sale price or rent series for Parmelia, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Wellard
No government agency publishes a free median sale price or rent series for Wellard, 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 Parmelia and Wellard
Parmelia
Transport
- Kwinana Station (train)
- Wellard Station (train)
- Transperth buses (bus)
- Kwinana Freeway (road)
Amenities
- Parmelia shopping centre
- Hunt Park and Peace Park
- Kwinana town centre
Wellard
Transport
- Wellard Station (train)
- Transperth buses (bus)
- Kwinana Freeway (road)
Amenities
- The Village at Wellard
- Kwinana town centre
- Wellard local 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.
Compare Parmelia or Wellard with another suburb
Change either suburb, or add a third.
Related comparisons
Request a free assessment: Parmelia or Wellard
An accredited mortgage broker can check your borrowing power against prices in Parmelia and Wellard, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.