Pymble vs WahroongaTwo Sydney suburbs compared for a home loan
Pymble (NSW 2073) is approximately 16 km north of the Sydney CBD, on the T1 North Shore line. Wahroonga (NSW 2076) is approximately 20 km north of the Sydney CBD, on the T1 North Shore line. At the 2021 Census, Pymble had 11,775 residents with a median age of 41, and Wahroonga had 17,853 residents with a median age of 44.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 25% of occupied dwellings in Pymble and 20% in Wahroonga, while 21% of Pymble households rented compared with 18% in Wahroonga. 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.
NSW 2073 · Upper North Shore
Pymble
Pymble is a Ku-ring-gai suburb of very large houses, where a quarter of all dwellings have five or more bedrooms and repayments reach $3,689 a month.
Ku-ring-gai. Approximately 16 km north of the Sydney CBD, on the T1 North Shore line.
Read the full Pymble guideNSW 2076 · Upper North Shore
Wahroonga
Wahroonga is a large Ku-ring-gai suburb of 17,853 residents where 1,192 dwellings have five or more bedrooms and only 17.9 per cent of households rent.
Ku-ring-gai. Approximately 20 km north of the Sydney CBD, on the T1 North Shore line.
Read the full Wahroonga guide
What buying in Pymble and Wahroonga 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 Pymble and Wahroonga.
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 Pymble to see the repayment, transfer duty and upfront cash.
Enter a price for Wahroonga 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.
Pymble and Wahroonga: 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 | Pymble | Wahroonga |
|---|---|---|
| People and households | ||
| Residents | 11,775 | 17,853 |
| Median ageAustralia 38 | 41 | 44 |
| Average household sizeAustralia 2.5 | 2.9 | 2.9 |
| Median household income, weeklyAustralia $1,746 | $3,379 | $2,998 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $630 | $600 |
| Median mortgage repayment, monthlyAustralia $1,863 | $3,689 | $3,467 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 21% | 18% |
| Owned with a mortgageAustralia 35% | 40% | 40% |
| Owned outrightAustralia 31% | 38% | 39% |
| Types of home | ||
| Separate housesAustralia 72% | 72% | 75% |
| Townhouses, terraces and semi-detachedAustralia 13% | 2% | 6% |
| Flats and apartmentsAustralia 14% | 25% | 20% |
| Homes with two bedrooms or fewer | 20% | 16% |
| Homes with four bedrooms or more | 58% | 55% |
| Dwellings unoccupied on Census night | 7% | 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 Pymble and Wahroonga
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.
Pymble
- Upgraders
- Downsizers
- Investors
- Median monthly repayments of $3,689 are the highest covered outside Point Piper.
- Heritage conservation areas can constrain demolition and external alterations.
- Tree preservation controls may restrict removal or pruning on treed blocks.
- Large individually built homes are not comparable, so valuations are less predictable.
- There is no cooling-off period at auction, the usual sale method here.
Wahroonga
- Upgraders
- Downsizers
- Investors
- Median monthly repayments of $3,467 mean serviceability binds well before deposit.
- Older housing makes heritage listing more likely than in a post-war suburb.
- Heritage listing can raise insurance and the cost of compliant repairs.
- Complying development is unavailable on BAL-40 and BAL-FZ land, requiring a full DA.
- Only 17.9 per cent of households rented, so the tenant pool is small.
Housing stock in Pymble and Wahroonga compared
Pymble
- Very large detached houses
- At the 2021 Census, 1,297 dwellings had four bedrooms and 980 had five or more.
- Apartments near the station
- The 968 flats counted at the 2021 Census, 24.8 per cent of occupied homes.
- Almost no townhouses
- Only 97 semi-detached or townhouse dwellings were counted at the 2021 Census.
Wahroonga
- Large detached houses on treed blocks
- Separate houses numbered 4,311 at the 2021 Census, 74.5 per cent of occupied homes.
- Four and five bedroom homes
- At the 2021 Census, 1,964 dwellings had four bedrooms and 1,192 had five or more.
- Apartments near the station
- The 1,135 flats counted at the 2021 Census, 19.6 per cent of occupied homes.
Official sale price and rent figures for Pymble and Wahroonga
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.
Pymble
No government agency publishes a free median sale price or rent series for Pymble, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Wahroonga
No government agency publishes a free median sale price or rent series for Wahroonga, 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 Pymble and Wahroonga
Pymble
Transport
- Pymble Station (train)
- Sydney buses (bus)
- Pacific Highway (road)
Amenities
- Pymble station shops
- Ku-ring-gai bushland reserves
- Gordon Centre
Wahroonga
Transport
- Wahroonga Station (train)
- Sydney buses (bus)
- Pacific Highway (road)
- M1 Pacific Motorway (road)
Amenities
- Wahroonga station shops
- Westfield Hornsby
- Ku-ring-gai bushland reserves
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the New South Wales education department.
Compare Pymble or Wahroonga with another suburb
Change either suburb, or add a third.
Related comparisons
Request a free assessment: Pymble or Wahroonga
An accredited mortgage broker can check your borrowing power against prices in Pymble and Wahroonga, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.