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ABS 2021 Census · Updated 21 May 2026
Speers Point is a regional centre in New South Wales, Australia, with a population of approximately 3,400, making it a boutique locality. Located approximately 108 km from the Sydney CBD, Speers Point is a regional area in New South Wales. The median household income is $91,832 per year.
Speers Point benefits from a high-income resident base, supporting premium property pricing. Distance from major centres is a consideration, though regional markets can offer higher rental yields.
Official Australia Post postcode for Speers Point. 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 Speers Point 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.
Speers Point is a smaller community of 3,400 — about 64% of the New South Wales suburb median (5,325) — so investors should factor in the narrower buyer pool and longer average time-on-market. Household income of $91,832/year is 6% below the New South Wales median of $97,552, typically translating into lower entry prices and a tenant base more sensitive to rent increases. Rent of $393/week (79% coverage of the $2,167/month median mortgage) leaves a gap of roughly $464/month that a typical investor bridges with negative gearing, depreciation and capital growth. Speers Point is 108 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 22% of household income — a useful sanity check on tenant affordability.
How Speers Point stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Speers Point sits above the state median; negative means below.
| Metric | Speers Point | NSW median | Δ vs state |
|---|---|---|---|
| Population | 3,400 | 5,325 | -36% |
| Median household income | $91,832/yr | $97,552/yr | -6% |
| Median rent (weekly) | $393 | $430 | -9% |
| Median mortgage (monthly) | $2,167 | $2,167 | 0% |
| Distance to CBD | 108 km | 45 km | +140% |
| Separate houses | 75% | 76% | -1pp |
Pre-inspection briefing for Speers Point — every item is derived from public datasets, with full citations in our data sources page.
Moderate buy-and-hold potential: Speers Point's 3,400-person market and $91,832 median household income work for investors who are selective on street location and property quality rather than counting on a suburb-wide rerating.
Moderate rental coverage: rent of $393/week covers 79% of a $2,167/month mortgage, leaving a $464/month gap that an investor bridges with equity, depreciation and tax benefits.
With 75% houses in a 3,400-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 Speers Point property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Speers Point are modest for 2026 — incomes 6% below the NSW median of $97,552 and a population of 3,400 suggest gains will lag headline metro markets. Rental coverage runs at ~79% of the typical mortgage ($1,703/month rent vs $2,167/month repayment), leaving a manageable top-up for most investors. The EquitySight investment score of 51/100 places Speers Point 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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Speers Point scores 51/100 on our EquitySight investment framework — a moderate rating. That score is driven by a population of 3,400, median household income of $91,832/year and median weekly rent of $393. 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 Speers Point are a median household income of $91,832/year, a dwelling mix that is 75% 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.
Speers Point has a usual resident population of approximately 3,400, 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.
Speers Point sits 108 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 $393 in Speers Point, equating to approximately $20,436/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 Speers Point is $2,167, or approximately $26,004/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 $393 works out to $1,703/month, covering 79% of the median mortgage repayment of $2,167/month. That leaves a $464/month shortfall (around $5,568/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 (3,400 residents), interest-rate sensitivity on the $2,167 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.