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ABS 2021 Census · Updated 21 May 2026
Kincumber is a coastal suburb in New South Wales, Australia, with a population of approximately 7,398, making it a smaller community. Located approximately 47 km from the Sydney CBD, Kincumber is a coastal area in New South Wales. The median household income is $68,692 per year.
Kincumber's income profile suggests a value-oriented market with competitive purchase prices. Seaside positioning attracts both owner-occupiers and holiday rental demand.
Official Australia Post postcode for Kincumber. 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 Kincumber on My School →Estimated 3 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.
Kincumber's population of 7,398 sits 39% above the New South Wales suburb median of 5,325, giving it a wider tenant and buyer catchment than the average NSW locality. Kincumber's median household income of $68,692/year is 30% below the New South Wales suburb median ($97,552) — this is an affordability play where returns lean on yield and patient capital growth rather than demographic premium. Rent of $400/week (83% coverage of the $2,085/month median mortgage) leaves a gap of roughly $352/month that a typical investor bridges with negative gearing, depreciation and capital growth. At 47 km from Sydney, Kincumber is an outer-metro location where buyers are typically trading commute time for floor space and a lower entry price.
Coastal markets benefit from lifestyle appeal but require a buffer for higher insurance and occasional weather-driven vacancies. Local rents consume roughly 30% of household income — a useful sanity check on tenant affordability.
How Kincumber stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Kincumber sits above the state median; negative means below.
| Metric | Kincumber | NSW median | Δ vs state |
|---|---|---|---|
| Population | 7,398 | 5,325 | +39% |
| Median household income | $68,692/yr | $97,552/yr | -30% |
| Median rent (weekly) | $400 | $430 | -7% |
| Median mortgage (monthly) | $2,085 | $2,167 | -4% |
| Distance to CBD | 47 km | 45 km | +4% |
| Separate houses | 62% | 76% | -14pp |
Pre-inspection briefing for Kincumber — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: household incomes 30% below the NSW median ($68,692 vs $97,552) means liquidity is thin and capital growth tends to lag the wider New South Wales market over full cycles.
Moderate rental coverage: rent of $400/week covers 83% of a $2,085/month mortgage, leaving a $352/month gap that an investor bridges with equity, depreciation and tax benefits.
Only 62% of dwellings are separate houses (vs 76% NSW median) — this is a unit and townhouse market, where cosmetic flips struggle against body-corporate restrictions, thinner after-reno uplift and competing new supply.
Run the numbers on a Kincumber property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Kincumber are modest for 2026 — incomes 30% below the NSW median of $97,552 suggest gains will lag headline metro markets. Rental coverage runs at ~83% of the typical mortgage ($1,733/month rent vs $2,085/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 55/100 places Kincumber 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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Kincumber scores 55/100 on our EquitySight investment framework — a moderate rating. That score is driven by a population of 7,398, median household income of $68,692/year and median weekly rent of $400. 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 Kincumber are a median household income of $68,692/year, a dwelling mix that is 62% separate houses, roughly 2 schools and 3 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.
Kincumber has a usual resident population of approximately 7,398, 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.
Kincumber sits 47 km straight-line from the Sydney 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 $400 in Kincumber, equating to approximately $20,800/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 Kincumber is $2,085, or approximately $25,020/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 $400 works out to $1,733/month, covering 83% of the median mortgage repayment of $2,085/month. That leaves a $352/month shortfall (around $4,224/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 $2,085 median mortgage, below-median household incomes ($68,692 vs $97,552 state median), 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.