Mortgage broker in Roxburgh Park

Postcode

3064

Council

City of Hume

Distance from CBD

Approx. 20km

An established suburb

Roxburgh Park is about 20km north of the CBD in the City of Hume, next to Craigieburn and Greenvale. Unlike most of the corridor, it is essentially built out — so few vacant lots sell here that there is no reliable land median at all, as the figures below note.

That changes the conversations. Buying here means buying an established home. And many of the people living here bought years ago, so the questions are as often about the loan they already have as about a new one.

When repayments have become hard to carry

At the 2021 Census, more than a quarter of Roxburgh Park mortgage holders were repaying more than 30% of their household income — a higher share than in any other suburb on this site, and well above Victoria as a whole. That was before the interest rate rises that began in 2022.

If that describes you, there are more options than most people assume, and they are better the earlier you look:

• A refinance check. A lower rate, or a loan restructured around your situation now, can lower the repayment. If your home has grown in value and the loan has come down, you may also be in a better pricing tier than when you bought
• Consolidating other debts. Rolling a car loan or credit cards into the home loan can lower the monthly outgoing — but it stretches short-term debt over decades and can cost more overall, so it needs doing carefully. The debt consolidation page is honest about when it helps and when it does not
• Talking to your lender about hardship. If payments are already hard to meet, lenders are required to consider a hardship request. It is far easier to arrange something before a payment is missed than after
• Free financial counselling. The National Debt Helpline is independent and costs nothing

A refinance is not always possible: a new lender assesses you on your income now, at its own assessment rate. That is exactly why it is worth checking while your circumstances are steady rather than after they change.

Buying an established home

For buyers, Roxburgh Park is established housing, and that has three consequences:

• No First Home Owner Grant. It applies to new homes only. Victorian first home buyer duty relief, though, depends on value rather than age — the duty figures below show the position at the median
• Settlement in weeks, not years. No titling wait, no construction risk, and no long gap for your circumstances to change between approval and settlement
• Predictable valuations. Plenty of comparable sales means fewer surprises than in a new estate, though condition still counts — get a building and pest inspection

Local help

I am based in Mickleham, a short drive north. Whether you are buying in Roxburgh Park or have owned here for years, a review of where your loan stands costs nothing and commits you to nothing.

Roxburgh Park by the numbers

Prices are from the Valuer-General’s sales records, up to the March quarter 2026. The household picture is from the 2021 Census. Every figure is labelled with its period, and none of it is a forecast.

Median house price

$741,000

March quarter 2026, from 59 sales

Up 8.2% on the March quarter 2025

There is no vacant land figure for Roxburgh Park: too few vacant lots sell there for a median to mean much.

• Houses

What buying at the median involves

At the March quarter 2026 median of $741,000, for a home you will live in.

Deposit	Cash deposit	Loan	Indicative LMI
5%	$37,050	$703,950	$21,800 – $33,100
10%	$74,100	$666,900	$12,000 – $21,300
20%	$148,200	$592,800	None

Stamp duty — first home buyer

$37,158

Stamp duty — everyone else

$39,530

Duty is worked out with the same tables as our stamp duty calculator. LMI is an indicative range — insurers do not publish their pricing — and some occupations avoid it entirely. On a separate land-and-build contract, duty is generally charged on the land rather than the finished home, so it is often much lower than this. Work out the full cash you would need →

Roxburgh Park at the 2021 Census

When the 2021 Census counted Roxburgh Park, 24,129 people lived there.

In 2021, 53.6% of homes were being paid off — about 1.5 times the Victorian rate — and 26.6% of mortgage holders were repaying more than 30% of household income, against 15.5% statewide. That was before the interest rate rises that began in 2022.

• Homes owned with a mortgage

  53.6%

  Victoria: 36.1%

• Median age

  31

  Victoria: 38

• Families that are couples with children

  64%

  Victoria: 45.5%

• Residents under five

  6.5%

  Victoria: 5.8%

• Homes that are separate houses

  89.5%

  Victoria: 73.4%

The Census’s rent, income and repayment figures are left out — dollar amounts date quickly, and a 2021 figure would mislead today. The next Census was taken in August 2026, and the ABS plans to start releasing results in June 2027; this section will be updated then. If your repayments have climbed since you bought, a refinance check takes a few minutes and is often worth more than it sounds.

Sources

• Valuer-General Victoria — Victorian Property Sales Report, March quarter 2026 — January to March 2026, released September 2026. © State of Victoria (Department of Transport and Planning), licensed under CC BY 4.0.
• Valuer-General Victoria — house and vacant land medians by suburb, 2015–2025 — Calendar years 2015 to 2025. © State of Victoria (Department of Transport and Planning), licensed under CC BY 4.0.
• ABS 2021 Census QuickStats — Roxburgh Park (Suburbs and Localities) — Census night, August 2021. Source: Australian Bureau of Statistics, 2021 Census of Population and Housing, licensed under CC BY 4.0.
• ABS — 2026 Census topics and data release plan — Published November 2025.