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ABS 2021 Census · Updated 21 May 2026
Calderwood is a coastal suburb in New South Wales, Australia, with a population of approximately 3,013, making it a boutique locality. Located approximately 88 km from the Sydney CBD, Calderwood is a coastal area in New South Wales. The median household income is $126,412 per year.
Strong household incomes in Calderwood underpin solid property demand. Seaside positioning attracts both owner-occupiers and holiday rental demand.
Official Australia Post postcode for Calderwood. 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 Calderwood 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.
Calderwood is a smaller community of 3,013 — about 57% of the New South Wales suburb median (5,325) — so investors should factor in the narrower buyer pool and longer average time-on-market. Median household income of $126,412/year runs 30% above the New South Wales suburb median of $97,552, indicating strong purchasing power and the type of demographic profile that tends to sustain premium property prices through market cycles. Median weekly rent of $580 equates to $2,513/month — about 102% of the median mortgage repayment of $2,470/month — meaning rental income covers most of a typical owner's repayment and this is a genuine cash-flow suburb before tax benefits. Calderwood is 88 km from Sydney, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand. Separate houses make up 95% of dwellings — 19 percentage points above the New South Wales median of 76% — pointing to a family-oriented, land-rich market where value is concentrated in the underlying block.
Coastal markets benefit from lifestyle appeal but require a buffer for higher insurance and occasional weather-driven vacancies. Local rents consume roughly 24% of household income — a useful sanity check on tenant affordability.
How Calderwood stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Calderwood sits above the state median; negative means below.
| Metric | Calderwood | NSW median | Δ vs state |
|---|---|---|---|
| Population | 3,013 | 5,325 | -43% |
| Median household income | $126,412/yr | $97,552/yr | +30% |
| Median rent (weekly) | $580 | $430 | +35% |
| Median mortgage (monthly) | $2,470 | $2,167 | +14% |
| Distance to CBD | 88 km | 45 km | +96% |
| Separate houses | 95% | 76% | +19pp |
Pre-inspection briefing for Calderwood — every item is derived from public datasets, with full citations in our data sources page.
Moderate buy-and-hold potential: Calderwood's 3,013-person market and $126,412 median household income work for investors who are selective on street location and property quality rather than counting on a suburb-wide rerating.
Strong rental coverage: $580/week (~$2,513/month) covers 102% of the $2,470/month median mortgage repayment, so the shortfall sits at just $0/month. Investors targeting positive cash flow should shortlist this suburb.
With 95% houses in a 3,013-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 Calderwood property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Calderwood are modest for 2026 — incomes 30% above the NSW median of $97,552 and a population of 3,013 suggest gains will lag headline metro markets. Rental coverage runs at ~102% of the typical mortgage ($2,513/month rent vs $2,470/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 65/100 places Calderwood in the upper-middle tier of Australian suburbs we profile, and overall investor sentiment is balanced heading into the second half of 2026.
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Calderwood scores 65/100 on our EquitySight investment framework — a good rating. That score is driven by a population of 3,013, median household income of $126,412/year and median weekly rent of $580. 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 Calderwood are an above-state-median household income of $126,412/year, a dwelling mix that is 95% 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.
Calderwood has a usual resident population of approximately 3,013, compared with a New South Wales suburb median of 5,325 — 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.
Calderwood sits 88 km straight-line from the Sydney CBD. This is a regional market where CBD distance is only indicative — local industry diversity and commute alternatives matter more.
The most recent census recorded a median weekly rent of $580 in Calderwood, equating to approximately $30,160/year in gross rental income (state median $430/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 Calderwood is $2,470, or approximately $29,640/year (vs $2,167/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 $580 works out to $2,513/month, covering 102% of the median mortgage repayment of $2,470/month. That means rent exceeds the median repayment by roughly $43/month, so on these numbers Calderwood leans cash-flow-positive before accounting for strata, council rates, insurance and maintenance. 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 (3,013 residents), interest-rate sensitivity on the $2,470 median mortgage, the broader New South Wales 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.