Rossmoyne vs Salter PointTwo Perth suburbs compared for a home loan
Rossmoyne (WA 6148) is approximately 14 km south of the Perth CBD, on the Canning River. Salter Point (WA 6152) is approximately 8 km south of the Perth CBD, on a peninsula in the Canning River. At the 2021 Census, Rossmoyne had 3,638 residents with a median age of 48, and Salter Point had 2,913 residents with a median age of 47.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 6% of occupied dwellings in Rossmoyne and 7% in Salter Point, while 14% of Rossmoyne households rented compared with 12% in Salter Point. 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 6148 · Southern river suburbs of Perth
Rossmoyne
Rossmoyne is a City of Canning river suburb marketed under a Scottish name from 1955, with large family homes and 46 per cent owning outright.
City of Canning. Approximately 14 km south of the Perth CBD, on the Canning River.
Read the full Rossmoyne guideWA 6152 · Southern river suburbs of Perth
Salter Point
Salter Point is a small City of South Perth peninsula suburb named after an 1880s timber landing, with large homes and 46 per cent owning outright.
City of South Perth. Approximately 8 km south of the Perth CBD, on a peninsula in the Canning River.
Read the full Salter Point guide
What buying in Rossmoyne and Salter Point 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 Rossmoyne and Salter Point.
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 Rossmoyne to see the repayment, transfer duty and upfront cash.
Enter a price for Salter Point 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.
Rossmoyne and Salter Point: 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 | Rossmoyne | Salter Point |
|---|---|---|
| People and households | ||
| Residents | 3,638 | 2,913 |
| Median ageAustralia 38 | 48 | 47 |
| Average household sizeAustralia 2.5 | 2.8 | 2.6 |
| Median household income, weeklyAustralia $1,746 | $2,146 | $2,529 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $465 | $450 |
| Median mortgage repayment, monthlyAustralia $1,863 | $2,741 | $2,860 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 14% | 12% |
| Owned with a mortgageAustralia 35% | 28% | 35% |
| Owned outrightAustralia 31% | 46% | 46% |
| Types of home | ||
| Separate housesAustralia 72% | 79% | 85% |
| Townhouses, terraces and semi-detachedAustralia 13% | 15% | 8% |
| Flats and apartmentsAustralia 14% | 6% | 7% |
| Homes with two bedrooms or fewer | 17% | 12% |
| Homes with four bedrooms or more | 57% | 57% |
| Dwellings unoccupied on Census night | 8% | 7% |
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 Rossmoyne and Salter Point
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.
Rossmoyne
- Upgraders
- Downsizers
- Investors
- Riverfront properties have thinner comparable evidence, so valuations can be less predictable.
- Median monthly mortgage repayments of $2,741 mean serviceability usually binds before deposit.
- Flood and watercourse considerations apply near the Canning River and Bull Creek boundaries.
- Only 14.1 per cent of households with a stated tenure rented, so the tenant pool is small.
- Properties near Leach Highway differ in amenity from the interior and riverfront streets.
Salter Point
- Upgraders
- Downsizers
- Premium waterfront homes have fewer comparable sales, so valuations can be less predictable.
- Some lenders apply tighter maximum loan-to-value ratios to higher-value security.
- Revetment and retaining structures on waterfront land are often owner responsibilities.
- The suburb is small at 918 occupied dwellings, so listings and comparable evidence are limited.
- Only 12.3 per cent of households with a stated tenure rented, so the tenant pool is very thin.
Housing stock in Rossmoyne and Salter Point compared
Rossmoyne
- Large detached family homes
- Separate houses numbered 965 at the 2021 Census, 79.2 per cent of occupied homes, with river frontage on the northern side.
- Four and five bedroom homes
- At the 2021 Census, 515 dwellings had four bedrooms and 182 had five or more.
- Townhouses
- The 184 semi-detached or townhouse dwellings counted at the 2021 Census, with 69 flats.
Salter Point
- Large detached river homes
- Separate houses numbered 780 at the 2021 Census, 85.0 per cent of occupied homes, many with river outlook.
- Four and five bedroom homes
- At the 2021 Census, 399 dwellings had four bedrooms and 122 had five or more.
- Townhouses and flats
- The 73 semi-detached or townhouse dwellings and 68 flats counted at the 2021 Census.
Official sale price and rent figures for Rossmoyne and Salter Point
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.
Rossmoyne
No government agency publishes a free median sale price or rent series for Rossmoyne, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Salter Point
No government agency publishes a free median sale price or rent series for Salter Point, 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 Rossmoyne and Salter Point
Rossmoyne
Transport
- Bull Creek Station (train)
- Canning Bridge Station (train)
- Transperth buses (bus)
- Leach Highway (road)
- Kwinana Freeway (road)
Amenities
- Canning River foreshore
- Rossmoyne parks
- Bull Creek shopping centre
Salter Point
Transport
- Canning Bridge Station (train)
- Transperth buses (bus)
- Kwinana Freeway (road)
Amenities
- Canning River foreshore
- Salter Point Lagoon
- Manning and Como local shops
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 Rossmoyne or Salter Point with another suburb
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Request a free assessment: Rossmoyne or Salter Point
An accredited mortgage broker can check your borrowing power against prices in Rossmoyne and Salter Point, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.