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ABS 2021 Census · Updated 21 May 2026
Raymond Terrace is a regional centre in New South Wales, Australia, with a population of approximately 13,453, making it a smaller community. Located approximately 134 km from the Sydney CBD, Raymond Terrace is a regional area in New South Wales. The median household income is $67,444 per year.
Household earnings in Raymond Terrace are below the state average, which may affect long-term capital growth. Regional positioning means lower entry costs but potentially longer hold periods for capital gains.
Official Australia Post postcode for Raymond Terrace. 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 3 schools within or near this suburb.
Find schools near Raymond Terrace on My School →Estimated 5 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.
With 13,453 residents, Raymond Terrace is one of New South Wales's more populous suburbs — roughly 2.5× the state median of 5,325 — giving it a deep buyer and tenant pool that typically supports higher transaction volumes and shorter average days on market. Raymond Terrace's median household income of $67,444/year is 31% 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 $325 equates to $1,408/month — about 93% of the median mortgage repayment of $1,517/month — meaning rental income covers most of a typical owner's repayment and this is a genuine cash-flow suburb before tax benefits. Raymond Terrace is 134 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 25% of household income — a useful sanity check on tenant affordability.
How Raymond Terrace stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Raymond Terrace sits above the state median; negative means below.
| Metric | Raymond Terrace | NSW median | Δ vs state |
|---|---|---|---|
| Population | 13,453 | 5,325 | +153% |
| Median household income | $67,444/yr | $97,552/yr | -31% |
| Median rent (weekly) | $325 | $430 | -24% |
| Median mortgage (monthly) | $1,517 | $2,167 | -30% |
| Distance to CBD | 134 km | 45 km | +198% |
| Separate houses | 79% | 76% | +3pp |
Pre-inspection briefing for Raymond Terrace — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: household incomes 31% below the NSW median ($67,444 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: $325/week (~$1,408/month) covers 93% of the $1,517/month median mortgage repayment, so the shortfall sits at just $109/month. Investors targeting positive cash flow should shortlist this suburb.
With 79% houses in a 13,453-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 Raymond Terrace property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Raymond Terrace are modest for 2026 — incomes 31% below the NSW median of $97,552 suggest gains will lag headline metro markets. Rental coverage runs at ~93% of the typical mortgage ($1,408/month rent vs $1,517/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 41/100 places Raymond Terrace 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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Raymond Terrace scores 41/100 on our EquitySight investment framework — a moderate rating. That score is driven by a population of 13,453, median household income of $67,444/year and median weekly rent of $325. 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 Raymond Terrace are a median household income of $67,444/year, a dwelling mix that is 79% separate houses, roughly 3 schools and 5 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.
Raymond Terrace has a usual resident population of approximately 13,453, 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.
Raymond Terrace sits 134 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 $325 in Raymond Terrace, equating to approximately $16,900/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 Raymond Terrace is $1,517, or approximately $18,204/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 $325 works out to $1,408/month, covering 93% of the median mortgage repayment of $1,517/month. That leaves a $109/month shortfall (around $1,308/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 $1,517 median mortgage, below-median household incomes ($67,444 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.