Somerton Park vs Trott ParkTwo Adelaide suburbs compared for a home loan
Somerton Park (SA 5044) is approximately 11 km south-west of the Adelaide CBD, on the Gulf St Vincent coast. Trott Park (SA 5158) is approximately 18 km south of the Adelaide CBD, surrounded by open space. At the 2021 Census, Somerton Park had 5,811 residents with a median age of 48, and Trott Park had 3,124 residents with a median age of 39.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 9% of occupied dwellings in Somerton Park and 0% in Trott Park, while 24% of Somerton Park households rented compared with 13% in Trott Park. 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 5044 · Adelaide's western beaches
Somerton Park
Somerton Park is a seaside suburb south of Glenelg with an older population, high outright ownership and a substantial townhouse market.
City of Holdfast Bay. Approximately 11 km south-west of the Adelaide CBD, on the Gulf St Vincent coast.
Read the full Somerton Park guideSA 5158 · Adelaide's southern suburbs
Trott Park
Trott Park is a small southern Adelaide suburb ringed by open space, with the Coast to Vines rail trail through it and more than half of households mortgaged.
City of Marion. Approximately 18 km south of the Adelaide CBD, surrounded by open space.
Read the full Trott Park guide
What buying in Somerton Park and Trott Park 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 Somerton Park and Trott Park.
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 Somerton Park to see the repayment, transfer duty and upfront cash.
Enter a price for Trott Park 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.
Somerton Park and Trott Park: 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 | Somerton Park | Trott Park |
|---|---|---|
| People and households | ||
| Residents | 5,811 | 3,124 |
| Median ageAustralia 38 | 48 | 39 |
| Average household sizeAustralia 2.5 | 2.2 | 2.6 |
| Median household income, weeklyAustralia $1,746 | $1,633 | $1,752 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $335 | $350 |
| Median mortgage repayment, monthlyAustralia $1,863 | $2,058 | $1,517 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 24% | 13% |
| Owned with a mortgageAustralia 35% | 30% | 53% |
| Owned outrightAustralia 31% | 40% | 33% |
| Types of home | ||
| Separate housesAustralia 72% | 63% | 97% |
| Townhouses, terraces and semi-detachedAustralia 13% | 29% | 3% |
| Flats and apartmentsAustralia 14% | 9% | 0% |
| Homes with two bedrooms or fewer | 33% | 4% |
| Homes with four bedrooms or more | 26% | 32% |
| Dwellings unoccupied on Census night | 12% | 3% |
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 Somerton Park and Trott Park
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.
Somerton Park
- Downsizers
- Investors
- Upgraders
- First home buyers
- Corporation levies on the large townhouse and unit stock are counted in serviceability assessments.
- Special levies for exterior and structural repairs can be significant in a marine environment.
- Coastal hazard mapping can affect building insurance price and terms, and lenders require cover at settlement.
- Downsizers buying before selling may need bridging finance, a common pattern given the age profile.
- The Census recorded 329 unoccupied dwellings, consistent with some holiday and short-stay use.
Trott Park
- First home buyers
- Upgraders
- Investors
- More than half of households with a stated tenure had a mortgage, so budgets are sensitive to changes in repayments.
- No flats were recorded and only 28 townhouses, so low-maintenance housing is effectively unavailable.
- The suburb is small, with 1,117 occupied dwellings, so listings and comparable sales are few.
- Bushfire hazard mapping may apply where surrounding parkland brings vegetation close to housing.
- Only 13.1 per cent of households rented, so the tenant pool is thin for investors.
Housing stock in Somerton Park and Trott Park compared
Somerton Park
- Townhouses and villa units
- At 695 dwellings, or 28.6 per cent of occupied homes at the 2021 Census, attached infill is well above the national share.
- Detached beachside houses
- Separate houses numbered 1,517 at the 2021 Census, 62.5 per cent of occupied homes, below the national 72.3 per cent.
- Flats and apartments
- The 207 flats counted at the 2021 Census are mostly in small groups behind the foreshore.
Trott Park
- Detached family houses
- Separate houses numbered 1,086 at the 2021 Census, 97.2 per cent of occupied homes, among the highest shares in Adelaide.
- Three and four bedroom homes
- At the 2021 Census, 709 dwellings had three bedrooms and 316 had four, with only 43 two-bedroom homes.
- Townhouses
- Only 28 semi-detached or townhouse dwellings were counted at the 2021 Census, and no flats at all.
Official sale price and rent figures for Somerton Park and Trott Park
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.
Somerton Park
No government agency publishes a free median sale price or rent series for Somerton Park, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Trott Park
No government agency publishes a free median sale price or rent series for Trott Park, 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 Somerton Park and Trott Park
Somerton Park
Transport
- Glenelg tram line (tram)
- Adelaide Metro buses (bus)
- Brighton Road (road)
- Anzac Highway (road)
Schools and campuses
- Sacred Heart College (secondary, catholic)
Amenities
- Somerton Park Beach
- Jetty Road precinct, Glenelg
- North Brighton Cemetery
Trott Park
Transport
- Hallett Cove Station (train)
- Adelaide Metro buses (bus)
- Southern Expressway (road)
- Coast to Vines rail trail (road)
Amenities
- O'Halloran Hill Recreation Park
- Roseworthy Park
- Hallett Cove shopping centre
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: Somerton Park or Trott Park
An accredited mortgage broker can check your borrowing power against prices in Somerton Park and Trott Park, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.