Port Adelaide vs TaperooTwo Adelaide suburbs compared for a home loan
Port Adelaide (SA 5015) is approximately 14 km north-west of the Adelaide CBD, on the Port River. Taperoo (SA 5017) is approximately 19 km north-west of the Adelaide CBD, on the LeFevre Peninsula. At the 2021 Census, Port Adelaide had 1,338 residents with a median age of 45, and Taperoo had 3,250 residents with a median age of 39.
The most common occupied dwelling was townhouses and terraces in Port Adelaide and separate houses in Taperoo. Flats and apartments made up 10% of occupied dwellings in Port Adelaide and 9% in Taperoo, while 55% of Port Adelaide households rented compared with 43% in Taperoo. 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 5015 · Adelaide's inner west
Port Adelaide
Port Adelaide is a historic port centre with a State Heritage Area, where townhouses outnumber houses two to one and renting is the majority tenure.
City of Port Adelaide Enfield. Approximately 14 km north-west of the Adelaide CBD, on the Port River.
Read the full Port Adelaide guideSA 5017 · LeFevre Peninsula
Taperoo
Taperoo is a LeFevre Peninsula suburb between the gulf and the Port River, with its own station, a third of homes attached and a large rental market.
City of Port Adelaide Enfield. Approximately 19 km north-west of the Adelaide CBD, on the LeFevre Peninsula.
Read the full Taperoo guide
What buying in Port Adelaide and Taperoo 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 Port Adelaide and Taperoo.
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 Port Adelaide to see the repayment, transfer duty and upfront cash.
Enter a price for Taperoo 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.
Port Adelaide and Taperoo: 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 | Port Adelaide | Taperoo |
|---|---|---|
| People and households | ||
| Residents | 1,338 | 3,250 |
| Median ageAustralia 38 | 45 | 39 |
| Average household sizeAustralia 2.5 | 1.9 | 2.3 |
| Median household income, weeklyAustralia $1,746 | $1,230 | $1,041 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $293 | $250 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,672 | $1,359 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 55% | 43% |
| Owned with a mortgageAustralia 35% | 24% | 33% |
| Owned outrightAustralia 31% | 21% | 24% |
| Types of home | ||
| Separate housesAustralia 72% | 28% | 58% |
| Townhouses, terraces and semi-detachedAustralia 13% | 58% | 33% |
| Flats and apartmentsAustralia 14% | 10% | 9% |
| Homes with two bedrooms or fewer | 48% | 21% |
| Homes with four bedrooms or more | 8% | 13% |
| Dwellings unoccupied on Census night | 14% | 8% |
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 Port Adelaide and Taperoo
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.
Port Adelaide
- Investors
- Downsizers
- First home buyers
- Most stock is attached, so corporation levies, sinking funds and lender policy on units drive the lending outcome.
- Properties within the State Heritage Area declared in May 1982 face constraints on alteration, demolition and new work.
- Renewal sites on former industrial and port land can raise site history, remediation and acid sulfate soil questions.
- Renting is the majority tenure, so many purchases are investment lending, assessed on different terms.
- Some lenders limit exposure to a single building, which can affect approval even when the borrower qualifies.
Taperoo
- First home buyers
- Investors
- Upgraders
- Some lenders apply a lower maximum loan-to-value ratio where public housing was concentrated.
- Coastal and flood hazard mapping on a low-lying peninsula can affect building insurance price and terms.
- Median weekly household income of $1,041 was well below the national figure, so serviceability usually binds first.
- Strata and community corporation levies are counted in serviceability assessments and reduce borrowing power.
- A marine environment accelerates corrosion and salt damp, which inspections commonly identify.
Housing stock in Port Adelaide and Taperoo compared
Port Adelaide
- Townhouses and semi-detached dwellings
- The dominant form at 372 dwellings, or 58.4 per cent of occupied homes at the 2021 Census, far above the national 12.6 per cent.
- Apartments and conversions
- The 63 flats counted at the 2021 Census include dwellings created within and around the heritage town centre.
- Separate houses
- Only 179 were recorded at the 2021 Census, 28.1 per cent of occupied homes, well below the national 72.3 per cent.
Taperoo
- Detached houses
- Separate houses numbered 784 at the 2021 Census, 58.0 per cent of occupied homes, well below the national 72.3 per cent.
- Semi-detached and townhouse dwellings
- At 452 dwellings, or 33.5 per cent of occupied homes, attached housing is far above the national share.
- Flats and apartments
- The 115 flats counted at the 2021 Census, 8.5 per cent of occupied homes, are mostly in small older groups.
Official sale price and rent figures for Port Adelaide and Taperoo
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.
Port Adelaide
No government agency publishes a free median sale price or rent series for Port Adelaide, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Taperoo
No government agency publishes a free median sale price or rent series for Taperoo, 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 Port Adelaide and Taperoo
Port Adelaide
Transport
- Port Adelaide Station (train)
- Port Dock Station (train)
- Adelaide Metro buses (bus)
- Port River Expressway (road)
Amenities
- Port Adelaide town centre
- Port Adelaide waterfront
- Port Adelaide heritage precinct
Taperoo
Transport
- Taperoo Station (train)
- Adelaide Metro buses (bus)
- Victoria Road (road)
- Strathfield Terrace (road)
Amenities
- Taperoo Beach
- Port Adelaide town centre
- Semaphore shopping precinct
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: Port Adelaide or Taperoo
An accredited mortgage broker can check your borrowing power against prices in Port Adelaide and Taperoo, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.