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ABS 2021 Census · Updated 21 May 2026
Tharwa is a regional centre in Australian Capital Territory, Australia, with a population of approximately 82, making it a boutique locality. Located approximately 26 km from the Canberra CBD, Tharwa is a regional area in Australian Capital Territory. The median household income is $111,800 per year.
Above-average earnings in Tharwa support sustained property values. Regional positioning means lower entry costs but potentially longer hold periods for capital gains.
Official Australia Post postcode for Tharwa. A postcode may cover multiple suburbs.
Australia Post Postcode Finder →Usual resident population at the most recent census.
Weekly median rent for occupied homes. Live rental data integration coming soon.
Annual median household income (before tax) across all households.
Straight-line distance from the suburb centroid to the nearest capital city CBD. Actual driving distance will be longer.
Estimated 1 school within or near this suburb.
Find schools near Tharwa on My School →Estimated 1 park and green spaces near this suburb.
Monthly median mortgage repayment for households currently paying off a mortgage.
Proportion of separate houses versus units, townhouses, and other home types. Useful for investors assessing rental demand mix.
Tharwa is a smaller community of 82 — about 2% of the Australian Capital Territory suburb median (3,808) — so investors should factor in the narrower buyer pool and longer average time-on-market. Household income of $111,800/year is 10% below the Australian Capital Territory median of $123,916, typically translating into lower entry prices and a tenant base more sensitive to rent increases. Weekly rent of $187 covers just 46% of the median $1,759/month mortgage repayment, leaving a $949/month gap — investors should only pursue this suburb with a clear capital-growth thesis and sufficient external income to fund the shortfall. At 26 km from Canberra, Tharwa is an outer-metro location where buyers are typically trading commute time for floor space and a lower entry price.
How Tharwa stacks up against the median of all Australian Capital Territory suburbs in our dataset. Positive values mean Tharwa sits above the state median; negative means below.
| Metric | Tharwa | ACT median | Δ vs state |
|---|---|---|---|
| Population | 82 | 3,808 | -98% |
| Median household income | $111,800/yr | $123,916/yr | -10% |
| Median rent (weekly) | $187 | $450 | -58% |
| Median mortgage (monthly) | $1,759 | $2,144 | -18% |
| Distance to CBD | 26 km | 10 km | +160% |
| Separate houses | 65% | 71% | -6pp |
Pre-inspection briefing for Tharwa — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: a small population of 82 means liquidity is thin and capital growth tends to lag the wider Australian Capital Territory market over full cycles.
Weak cash flow: $187/week rent covers only 46% of the $1,759/month median mortgage — a $949/month gap that must be funded from other income. This suburb is a capital-growth play, not a yield play.
With 65% houses in a 82-person market, renovation margins depend on individual street and aspect rather than any suburb-wide story — do comparable-sales analysis before committing capital.
Run the numbers on a Tharwa property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Tharwa are modest for 2026 — incomes 10% below the ACT median of $123,916 and a population of 82 suggest gains will lag headline metro markets. Rental coverage runs at ~46% of the typical mortgage ($810/month rent vs $1,759/month repayment), meaning investors will rely on capital growth rather than yield. The EquitySight investment score of 54/100 places Tharwa in the mid tier of Australian suburbs we profile, and overall investor sentiment is balanced heading into the second half of 2026.
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Tharwa scores 54/100 on our EquitySight investment framework — a moderate rating. That score is driven by a population of 82, median household income of $111,800/year and median weekly rent of $187. Whether it fits your portfolio depends on whether you are targeting cash flow, capital growth, or a value-add renovation — all three are scored with suburb-specific numbers elsewhere on this page.
The main demand drivers in Tharwa are a median household income of $111,800/year, a dwelling mix that is 65% separate houses, roughly 1 schools and 1 parks within the catchment. Together these shape both owner-occupier and tenant demand and are the factors we weight most heavily in the suburb's investment score.
Tharwa has a usual resident population of approximately 82, compared with a Australian Capital Territory suburb median of 3,808 — placing it in the lower half of the state's suburbs by size. Population is the clearest proxy for market depth: more residents mean more transactions and typically a shorter average days-on-market on resale.
Tharwa sits 26 km straight-line from the Canberra CBD. This is an outer-metro location; local employment and infrastructure announcements tend to move prices more than CBD connectivity alone.
The most recent census recorded a median weekly rent of $187 in Tharwa, equating to approximately $9,724/year in gross rental income (state median $450/week). Market rents have typically drifted above the recorded figure — verify against current listings on realestate.com.au and Domain before making an offer.
The median monthly mortgage repayment in Tharwa is $1,759, or approximately $21,108/year (vs $2,144/month state median). Stress-test your own borrowing at rates 1–2 percentage points above today's to make sure you can still service the loan through an RBA tightening cycle.
A median weekly rent of $187 works out to $810/month, covering 46% of the median mortgage repayment of $1,759/month. That leaves a $949/month shortfall (around $11,388/year before tax benefits), so a typical owner-occupier-priced property here is negatively geared. Actual cash flow depends on your deposit, loan terms, ownership costs and marginal tax rate — run the full numbers in our rental yield calculator.
The main risks are a thin buyer pool (82 residents), interest-rate sensitivity on the $1,759 median mortgage, the broader Australian Capital Territory market cycle. Each of these is covered in the Risk Factors section above with suburb-specific numbers rather than generic warnings.
Every number on this page comes from the ABS 2021 Census of Population and Housing, Australia Post postcode reference data, and OpenStreetMap amenity tiles. The investment score, strategy verdicts, and comparison table are computed deterministically from those inputs — no opinion, no estimation. See our full methodology and the data sources and licences for the formulas we use.