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ABS 2021 Census · Updated 21 May 2026
Smiths Creek is a coastal suburb in New South Wales, Australia, with a population of approximately 345, making it a boutique locality. Located approximately 506 km from the Sydney CBD, Smiths Creek is a coastal area in New South Wales. The median household income is $23,400 per year.
Household earnings in Smiths Creek are below the state average, which may affect long-term capital growth. Coastal lifestyle appeal adds a premium that supports long-term demand.
Official Australia Post postcode for Smiths Creek. 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 Smiths Creek 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.
Smiths Creek is a smaller community of 345 — about 6% of the New South Wales suburb median (5,325) — so investors should factor in the narrower buyer pool and longer average time-on-market. Smiths Creek's median household income of $23,400/year is 76% 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. Smiths Creek is 506 km from Sydney, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand. Separate houses make up 150% of dwellings — 74 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 Smiths Creek stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Smiths Creek sits above the state median; negative means below.
| Metric | Smiths Creek | NSW median | Δ vs state |
|---|---|---|---|
| Population | 345 | 5,325 | -94% |
| Median household income | $23,400/yr | $97,552/yr | -76% |
| Median mortgage (monthly) | $3,142 | $2,167 | +45% |
| Distance to CBD | 506 km | 45 km | +1024% |
| Separate houses | 150% | 76% | +74pp |
Pre-inspection briefing for Smiths Creek — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: a small population of 345 means liquidity is thin and capital growth tends to lag the wider New South Wales market over full cycles.
Median rental data was not captured for Smiths Creek. Use current realestate.com.au and Domain listings to triangulate a realistic weekly rent before committing, then feed that number into our rental yield calculator.
With 150% houses in a 345-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 Smiths Creek property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Smiths Creek are modest for 2026 — incomes 76% below the NSW median of $97,552 and a population of 345 suggest gains will lag headline metro markets. Rental fundamentals will need to be verified against live listings, as a clean median rent was not recorded for Smiths Creek. The EquitySight investment score of 32/100 places Smiths Creek in the lower tier of Australian suburbs we profile, and overall investor sentiment is cautious heading into the second half of 2026.
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Smiths Creek scores 32/100 on our EquitySight investment framework — a weak rating. That score is driven by a population of 345, median household income of $23,400/year. 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 Smiths Creek are a median household income of $23,400/year, a dwelling mix that is 150% 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.
Smiths Creek has a usual resident population of approximately 345, 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.
Smiths Creek sits 506 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.
A reliable median rent was not captured for Smiths Creek. Benchmark expected weekly rent on realestate.com.au and Domain, or the state rental tribunal's rent dashboard. Most Australian investors target a 4–5% gross yield as a baseline.
The median monthly mortgage repayment in Smiths Creek is $3,142, or approximately $37,704/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.
Census data was not complete enough in Smiths Creek to compute a clean rent-to-mortgage coverage. Use current listings to benchmark weekly rent, then plug your expected purchase price into our rental yield calculator to see whether the investment runs cash-flow positive or negative.
The main risks are a thin buyer pool (345 residents), interest-rate sensitivity on the $3,142 median mortgage, below-median household incomes ($23,400 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.