Trott Park vs WoodcroftTwo Adelaide suburbs compared for a home loan
Trott Park (SA 5158) is approximately 18 km south of the Adelaide CBD, surrounded by open space. Woodcroft (SA 5162) is approximately 20 km south of the Adelaide CBD, between Panalatinga Road and the Hills Face Zone. At the 2021 Census, Trott Park had 3,124 residents with a median age of 39, and Woodcroft had 11,326 residents with a median age of 42.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 0% of occupied dwellings in Trott Park and 1% in Woodcroft, while 13% of Trott Park households rented compared with 15% in Woodcroft. 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 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 guideSA 5162 · Adelaide's southern suburbs
Woodcroft
Woodcroft is a southern Adelaide suburb subdivided from winery land in the 1980s, bordered by the Hills Face Zone and built mainly of detached family homes.
City of Onkaparinga. Approximately 20 km south of the Adelaide CBD, between Panalatinga Road and the Hills Face Zone.
Read the full Woodcroft guide
What buying in Trott Park and Woodcroft 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 Trott Park and Woodcroft.
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 Trott Park to see the repayment, transfer duty and upfront cash.
Enter a price for Woodcroft 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.
Trott Park and Woodcroft: 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 | Trott Park | Woodcroft |
|---|---|---|
| People and households | ||
| Residents | 3,124 | 11,326 |
| Median ageAustralia 38 | 39 | 42 |
| Average household sizeAustralia 2.5 | 2.6 | 2.6 |
| Median household income, weeklyAustralia $1,746 | $1,752 | $1,664 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $350 | $350 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,517 | $1,517 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 13% | 15% |
| Owned with a mortgageAustralia 35% | 53% | 47% |
| Owned outrightAustralia 31% | 33% | 32% |
| Types of home | ||
| Separate housesAustralia 72% | 97% | 88% |
| Townhouses, terraces and semi-detachedAustralia 13% | 3% | 7% |
| Flats and apartmentsAustralia 14% | 0% | 1% |
| Homes with two bedrooms or fewer | 4% | 12% |
| Homes with four bedrooms or more | 32% | 38% |
| Dwellings unoccupied on Census night | 3% | 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 Trott Park and Woodcroft
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.
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.
Woodcroft
- Upgraders
- First home buyers
- Investors
- Downsizers
- Properties near the eastern boundary adjoin the Hills Face Zone, which restricts development on the face of the ranges.
- Panalatinga Creek runs through the suburb, so flood and stormwater overlays apply in parts of the catchment.
- Bushfire hazard increases on the eastern side, and habitable development in higher hazard areas is referred to the CFS.
- Sloping eastern blocks differ in usable land, access and retaining structures, which valuers take into account.
- Building insurance terms can differ where an address falls within mapped flood or bushfire areas, and lenders require cover at settlement.
Housing stock in Trott Park and Woodcroft compared
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.
Woodcroft
- Detached homes from the 1980s onward
- Separate houses numbered 3,783 at the 2021 Census, 88.5 per cent of occupied homes, built after the area was subdivided in the early 1980s.
- Four-bedroom family houses
- At 1,395 dwellings counted at the 2021 Census, larger family homes are a substantial part of the market.
- Townhouses and semi-detached dwellings
- The 312 attached dwellings counted at the 2021 Census are the main option for buyers seeking something smaller.
Official sale price and rent figures for Trott Park and Woodcroft
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.
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.
Woodcroft
No government agency publishes a free median sale price or rent series for Woodcroft, 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 Trott Park and Woodcroft
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
Woodcroft
Transport
- Adelaide Metro buses (bus)
- Southern Expressway (road)
- Panalatinga Road (road)
- Reynell Road (road)
- Bains Road (road)
Amenities
- Panalatinga Creek reserve
- Wright Park
- Woodcroft 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 South Australia education department.
Compare Trott Park or Woodcroft with another suburb
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Request a free assessment: Trott Park or Woodcroft
An accredited mortgage broker can check your borrowing power against prices in Trott Park and Woodcroft, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.