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ABS 2021 Census · Updated 21 May 2026
Hill Top is a regional centre in New South Wales, Australia, with a population of approximately 2,792, making it a boutique locality. Located approximately 357 km from the Sydney CBD, Hill Top is a regional area in New South Wales. The median household income is $109,200 per year.
Hill Top benefits from a high-income resident base, supporting premium property pricing. Distance from major centres is a consideration, though regional markets can offer higher rental yields.
Official Australia Post postcode for Hill Top. 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 Hill Top 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.
Hill Top is a smaller community of 2,792 — about 52% of the New South Wales suburb median (5,325) — so investors should factor in the narrower buyer pool and longer average time-on-market. Households here earn $109,200/year on average — 12% above the NSW suburb median of $97,552 — a modest premium that supports resilient owner-occupier demand. Median weekly rent of $620 equates to $2,687/month — about 179% of the median mortgage repayment of $1,500/month — meaning rental income covers most of a typical owner's repayment and this is a genuine cash-flow suburb before tax benefits. Hill Top is 357 km from Sydney, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand.
Regional property can deliver strong cash-flow yields but liquidity is tighter — plan for longer hold periods and verify local employment stability. Local rents consume roughly 30% of household income — a useful sanity check on tenant affordability.
How Hill Top stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Hill Top sits above the state median; negative means below.
| Metric | Hill Top | NSW median | Δ vs state |
|---|---|---|---|
| Population | 2,792 | 5,325 | -48% |
| Median household income | $109,200/yr | $97,552/yr | +12% |
| Median rent (weekly) | $620 | $430 | +44% |
| Median mortgage (monthly) | $1,500 | $2,167 | -31% |
| Distance to CBD | 357 km | 45 km | +693% |
| Separate houses | 78% | 76% | +2pp |
Pre-inspection briefing for Hill Top — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: a small population of 2,792 means liquidity is thin and capital growth tends to lag the wider New South Wales market over full cycles.
Strong rental coverage: $620/week (~$2,687/month) covers 179% of the $1,500/month median mortgage repayment, so the shortfall sits at just $0/month. Investors targeting positive cash flow should shortlist this suburb.
With 78% houses in a 2,792-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 Hill Top property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Hill Top are modest for 2026 — incomes 12% above the NSW median of $97,552 and a population of 2,792 suggest gains will lag headline metro markets. Rental coverage runs at ~179% of the typical mortgage ($2,687/month rent vs $1,500/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 56/100 places Hill Top 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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Hill Top scores 56/100 on our EquitySight investment framework — a moderate rating. That score is driven by a population of 2,792, median household income of $109,200/year and median weekly rent of $620. 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 Hill Top are an above-state-median household income of $109,200/year, a dwelling mix that is 78% 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.
Hill Top has a usual resident population of approximately 2,792, 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.
Hill Top sits 357 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 $620 in Hill Top, equating to approximately $32,240/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 Hill Top is $1,500, or approximately $18,000/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 $620 works out to $2,687/month, covering 179% of the median mortgage repayment of $1,500/month. That means rent exceeds the median repayment by roughly $1,187/month, so on these numbers Hill Top 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 (2,792 residents), interest-rate sensitivity on the $1,500 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.