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ABS 2021 Census · Updated 21 May 2026
Hamlyn Terrace is a coastal suburb in New South Wales, Australia, with a population of approximately 8,761, making it a smaller community. Located approximately 73 km from the Sydney CBD, Hamlyn Terrace is a coastal area in New South Wales. The median household income is $100,932 per year.
Above-average earnings in Hamlyn Terrace support sustained property values. Seaside positioning attracts both owner-occupiers and holiday rental demand.
Official Australia Post postcode for Hamlyn Terrace. 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 2 schools within or near this suburb.
Find schools near Hamlyn Terrace on My School →Estimated 4 parks 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.
Hamlyn Terrace's population of 8,761 sits 65% above the New South Wales suburb median of 5,325, giving it a wider tenant and buyer catchment than the average NSW locality. At $100,932/year, household income in Hamlyn Terrace is within 3% of the New South Wales median ($97,552), placing the suburb firmly in the state's mainstream demographic band. Median weekly rent of $490 equates to $2,123/month — about 98% of the median mortgage repayment of $2,167/month — meaning rental income covers most of a typical owner's repayment and this is a genuine cash-flow suburb before tax benefits. Hamlyn Terrace is 73 km from Sydney, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand.
This suburb can suit investors targeting renter demand driven by lifestyle. Insurance, climate risk, and seasonal rental patterns all warrant a close look. Local rents consume roughly 25% of household income — a useful sanity check on tenant affordability.
How Hamlyn Terrace stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Hamlyn Terrace sits above the state median; negative means below.
| Metric | Hamlyn Terrace | NSW median | Δ vs state |
|---|---|---|---|
| Population | 8,761 | 5,325 | +65% |
| Median household income | $100,932/yr | $97,552/yr | +3% |
| Median rent (weekly) | $490 | $430 | +14% |
| Median mortgage (monthly) | $2,167 | $2,167 | 0% |
| Distance to CBD | 73 km | 45 km | +62% |
| Separate houses | 87% | 76% | +11pp |
Pre-inspection briefing for Hamlyn Terrace — every item is derived from public datasets, with full citations in our data sources page.
Solid buy-and-hold profile: a population of 8,761 and household income close to the NSW median ($100,932 vs $97,552) give the market enough depth for patient capital growth without the premium entry price of inner suburbs.
Strong rental coverage: $490/week (~$2,123/month) covers 98% of the $2,167/month median mortgage repayment, so the shortfall sits at just $44/month. Investors targeting positive cash flow should shortlist this suburb.
A dwelling mix skewed to houses (87% vs 76% NSW median) combined with a population of 8,761 creates a deeper market for value-add renovations — older stock, separate titles and stronger buyer competition are the usual pattern here.
Run the numbers on a Hamlyn Terrace property
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Create free account →Property values in Hamlyn Terrace should track the wider New South Wales market through 2026, with the $100,932/year median household income (close to the $97,552 state median) keeping the suburb firmly mid-pack. Rental coverage runs at ~98% of the typical mortgage ($2,123/month rent vs $2,167/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 59/100 places Hamlyn Terrace 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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Hamlyn Terrace scores 59/100 on our EquitySight investment framework — a moderate rating. That score is driven by a population of 8,761, median household income of $100,932/year and median weekly rent of $490. 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 Hamlyn Terrace are an above-state-median household income of $100,932/year, a dwelling mix that is 87% separate houses, roughly 2 schools and 4 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.
Hamlyn Terrace has a usual resident population of approximately 8,761, compared with a New South Wales suburb median of 5,325 — placing it in the upper 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.
Hamlyn Terrace sits 73 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 $490 in Hamlyn Terrace, equating to approximately $25,480/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 Hamlyn Terrace is $2,167, or approximately $26,004/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 $490 works out to $2,123/month, covering 98% of the median mortgage repayment of $2,167/month. That leaves a $44/month shortfall (around $528/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 interest-rate sensitivity on the $2,167 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.