EquitySight.app
Free full calculator →
EquitySight.app
Free full calculator →
ABS 2021 Census · Updated 21 May 2026
Kiama Downs is a coastal suburb in New South Wales, Australia, with a population of approximately 5,087, making it a smaller community. Located approximately 92 km from the Sydney CBD, Kiama Downs is a coastal area in New South Wales. The median household income is $109,356 per year.
Kiama Downs benefits from a high-income resident base, supporting premium property pricing. The coastal setting provides a lifestyle factor that underpins property values.
Official Australia Post postcode for Kiama Downs. 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 Kiama Downs on My School →Estimated 2 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.
5,087 residents places Kiama Downs squarely in the middle of the New South Wales suburb size distribution (state median 5,325), with market depth comparable to most NSW localities. Households here earn $109,356/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 $490 equates to $2,123/month — about 97% of the median mortgage repayment of $2,200/month — meaning rental income covers most of a typical owner's repayment and this is a genuine cash-flow suburb before tax benefits. Kiama Downs is 92 km from Sydney, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand.
Coastal markets benefit from lifestyle appeal but require a buffer for higher insurance and occasional weather-driven vacancies. Local rents consume roughly 23% of household income — a useful sanity check on tenant affordability.
How Kiama Downs stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Kiama Downs sits above the state median; negative means below.
| Metric | Kiama Downs | NSW median | Δ vs state |
|---|---|---|---|
| Population | 5,087 | 5,325 | -4% |
| Median household income | $109,356/yr | $97,552/yr | +12% |
| Median rent (weekly) | $490 | $430 | +14% |
| Median mortgage (monthly) | $2,200 | $2,167 | +2% |
| Distance to CBD | 92 km | 45 km | +104% |
| Separate houses | 86% | 76% | +10pp |
Pre-inspection briefing for Kiama Downs — every item is derived from public datasets, with full citations in our data sources page.
Solid buy-and-hold profile: a population of 5,087 and household income close to the NSW median ($109,356 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 97% of the $2,200/month median mortgage repayment, so the shortfall sits at just $77/month. Investors targeting positive cash flow should shortlist this suburb.
A dwelling mix skewed to houses (86% vs 76% NSW median) combined with a population of 5,087 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 Kiama Downs property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Property values in Kiama Downs should track the wider New South Wales market through 2026, with the $109,356/year median household income (12% above the $97,552 state median) keeping the suburb firmly mid-pack. Rental coverage runs at ~97% of the typical mortgage ($2,123/month rent vs $2,200/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 63/100 places Kiama Downs in the upper-middle tier of Australian suburbs we profile, and overall investor sentiment is balanced heading into the second half of 2026.
Lived in Kiama Downs? Help other investors with an honest 100-word review. Sign-in required; all reviews are manually moderated before they appear.
Kiama Downs scores 63/100 on our EquitySight investment framework — a good rating. That score is driven by a population of 5,087, median household income of $109,356/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 Kiama Downs are an above-state-median household income of $109,356/year, a dwelling mix that is 86% separate houses, roughly 1 schools and 2 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.
Kiama Downs has a usual resident population of approximately 5,087, 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.
Kiama Downs sits 92 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 Kiama Downs, 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 Kiama Downs is $2,200, or approximately $26,400/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 97% of the median mortgage repayment of $2,200/month. That leaves a $77/month shortfall (around $924/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 $2,200 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.