EquitySight.app
Free full calculator →
EquitySight.app
Free full calculator →
ABS 2021 Census · Updated 21 May 2026
Mount Kembla is a coastal suburb in New South Wales, Australia, with a population of approximately 1,083, making it a boutique locality. Located approximately 72 km from the Sydney CBD, Mount Kembla is a coastal area in New South Wales. The median household income is $146,848 per year.
Above-average earnings in Mount Kembla support sustained property values. Seaside positioning attracts both owner-occupiers and holiday rental demand.
Official Australia Post postcode for Mount Kembla. 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 Mount Kembla 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.
Mount Kembla is a smaller community of 1,083 — about 20% of the New South Wales suburb median (5,325) — so investors should factor in the narrower buyer pool and longer average time-on-market. Median household income of $146,848/year runs 51% above the New South Wales suburb median of $97,552, indicating strong purchasing power and the type of demographic profile that tends to sustain premium property prices through market cycles. Rent of $440/week (73% coverage of the $2,600/month median mortgage) leaves a gap of roughly $693/month that a typical investor bridges with negative gearing, depreciation and capital growth. Mount Kembla is 72 km from Sydney, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand. Separate houses make up 93% of dwellings — 17 percentage points above the New South Wales median of 76% — pointing to a family-oriented, land-rich market where value is concentrated in the underlying block.
How Mount Kembla stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Mount Kembla sits above the state median; negative means below.
| Metric | Mount Kembla | NSW median | Δ vs state |
|---|---|---|---|
| Population | 1,083 | 5,325 | -80% |
| Median household income | $146,848/yr | $97,552/yr | +51% |
| Median rent (weekly) | $440 | $430 | +2% |
| Median mortgage (monthly) | $2,600 | $2,167 | +20% |
| Distance to CBD | 72 km | 45 km | +60% |
| Separate houses | 93% | 76% | +17pp |
Pre-inspection briefing for Mount Kembla — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: a small population of 1,083 means liquidity is thin and capital growth tends to lag the wider New South Wales market over full cycles.
Moderate rental coverage: rent of $440/week covers 73% of a $2,600/month mortgage, leaving a $693/month gap that an investor bridges with equity, depreciation and tax benefits.
With 93% houses in a 1,083-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 Mount Kembla property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Mount Kembla are modest for 2026 — incomes 51% above the NSW median of $97,552 and a population of 1,083 suggest gains will lag headline metro markets. Rental coverage runs at ~73% of the typical mortgage ($1,907/month rent vs $2,600/month repayment), leaving a manageable top-up for most investors. The EquitySight investment score of 58/100 places Mount Kembla in the mid tier of Australian suburbs we profile, and overall investor sentiment is balanced heading into the second half of 2026.
Lived in Mount Kembla? Help other investors with an honest 100-word review. Sign-in required; all reviews are manually moderated before they appear.
Mount Kembla scores 58/100 on our EquitySight investment framework — a moderate rating. That score is driven by a population of 1,083, median household income of $146,848/year and median weekly rent of $440. 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 Mount Kembla are an above-state-median household income of $146,848/year, a dwelling mix that is 93% 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.
Mount Kembla has a usual resident population of approximately 1,083, 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.
Mount Kembla sits 72 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 $440 in Mount Kembla, equating to approximately $22,880/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 Mount Kembla is $2,600, or approximately $31,200/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 $440 works out to $1,907/month, covering 73% of the median mortgage repayment of $2,600/month. That leaves a $693/month shortfall (around $8,316/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 a thin buyer pool (1,083 residents), interest-rate sensitivity on the $2,600 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.