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ABS 2021 Census · Updated 21 May 2026
Lake Munmorah is a coastal suburb in New South Wales, Australia, with a population of approximately 5,084, making it a smaller community. Located approximately 83 km from the Sydney CBD, Lake Munmorah is a coastal area in New South Wales. The median household income is $60,060 per year.
Lower income levels in Lake Munmorah typically translate to more affordable entry points for investors. Coastal lifestyle appeal adds a premium that supports long-term demand.
Official Australia Post postcode for Lake Munmorah. 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 Lake Munmorah 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.
5,084 residents places Lake Munmorah squarely in the middle of the New South Wales suburb size distribution (state median 5,325), with market depth comparable to most NSW localities. Lake Munmorah's median household income of $60,060/year is 38% 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. Median weekly rent of $380 equates to $1,647/month — about 95% of the median mortgage repayment of $1,733/month — meaning rental income covers most of a typical owner's repayment and this is a genuine cash-flow suburb before tax benefits. Lake Munmorah is 83 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 33% of household income — a useful sanity check on tenant affordability.
How Lake Munmorah stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Lake Munmorah sits above the state median; negative means below.
| Metric | Lake Munmorah | NSW median | Δ vs state |
|---|---|---|---|
| Population | 5,084 | 5,325 | -5% |
| Median household income | $60,060/yr | $97,552/yr | -38% |
| Median rent (weekly) | $380 | $430 | -12% |
| Median mortgage (monthly) | $1,733 | $2,167 | -20% |
| Distance to CBD | 83 km | 45 km | +84% |
| Separate houses | 89% | 76% | +13pp |
Pre-inspection briefing for Lake Munmorah — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: household incomes 38% below the NSW median ($60,060 vs $97,552) means liquidity is thin and capital growth tends to lag the wider New South Wales market over full cycles.
Strong rental coverage: $380/week (~$1,647/month) covers 95% of the $1,733/month median mortgage repayment, so the shortfall sits at just $86/month. Investors targeting positive cash flow should shortlist this suburb.
A dwelling mix skewed to houses (89% vs 76% NSW median) combined with a population of 5,084 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 Lake Munmorah property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Lake Munmorah are modest for 2026 — incomes 38% below the NSW median of $97,552 suggest gains will lag headline metro markets. Rental coverage runs at ~95% of the typical mortgage ($1,647/month rent vs $1,733/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 42/100 places Lake Munmorah in the mid tier of Australian suburbs we profile, and overall investor sentiment is cautious heading into the second half of 2026.
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Lake Munmorah scores 42/100 on our EquitySight investment framework — a moderate rating. That score is driven by a population of 5,084, median household income of $60,060/year and median weekly rent of $380. 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 Lake Munmorah are a median household income of $60,060/year, a dwelling mix that is 89% 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.
Lake Munmorah has a usual resident population of approximately 5,084, 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.
Lake Munmorah sits 83 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 $380 in Lake Munmorah, equating to approximately $19,760/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 Lake Munmorah is $1,733, or approximately $20,796/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 $380 works out to $1,647/month, covering 95% of the median mortgage repayment of $1,733/month. That leaves a $86/month shortfall (around $1,032/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 $1,733 median mortgage, below-median household incomes ($60,060 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.