EquitySight.app
Free full calculator →
EquitySight.app
Free full calculator →
ABS 2021 Census · Updated 21 May 2026
Thirlmere is a regional centre in New South Wales, Australia, with a population of approximately 4,986, making it a boutique locality. Located approximately 71 km from the Sydney CBD, Thirlmere is a regional area in New South Wales. The median household income is $88,816 per year.
Moderate income levels in Thirlmere indicate steady rental demand from working households. Regional positioning means lower entry costs but potentially longer hold periods for capital gains.
Official Australia Post postcode for Thirlmere. 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 Thirlmere 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.
4,986 residents places Thirlmere squarely in the middle of the New South Wales suburb size distribution (state median 5,325), with market depth comparable to most NSW localities. Household income of $88,816/year is 9% 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 $420/week (79% coverage of the $2,300/month median mortgage) leaves a gap of roughly $480/month that a typical investor bridges with negative gearing, depreciation and capital growth. Thirlmere is 71 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 Thirlmere stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Thirlmere sits above the state median; negative means below.
| Metric | Thirlmere | NSW median | Δ vs state |
|---|---|---|---|
| Population | 4,986 | 5,325 | -6% |
| Median household income | $88,816/yr | $97,552/yr | -9% |
| Median rent (weekly) | $420 | $430 | -2% |
| Median mortgage (monthly) | $2,300 | $2,167 | +6% |
| Distance to CBD | 71 km | 45 km | +58% |
| Separate houses | 85% | 76% | +9pp |
Pre-inspection briefing for Thirlmere — every item is derived from public datasets, with full citations in our data sources page.
Moderate buy-and-hold potential: Thirlmere's 4,986-person market and $88,816 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 $420/week covers 79% of a $2,300/month mortgage, leaving a $480/month gap that an investor bridges with equity, depreciation and tax benefits.
With 85% houses in a 4,986-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 Thirlmere property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Thirlmere are modest for 2026 — incomes 9% below the NSW median of $97,552 and a population of 4,986 suggest gains will lag headline metro markets. Rental coverage runs at ~79% of the typical mortgage ($1,820/month rent vs $2,300/month repayment), leaving a manageable top-up for most investors. The EquitySight investment score of 51/100 places Thirlmere in the mid tier of Australian suburbs we profile, and overall investor sentiment is balanced heading into the second half of 2026.
Lived in Thirlmere? Help other investors with an honest 100-word review. Sign-in required; all reviews are manually moderated before they appear.
Thirlmere scores 51/100 on our EquitySight investment framework — a moderate rating. That score is driven by a population of 4,986, median household income of $88,816/year and median weekly rent of $420. 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 Thirlmere are a median household income of $88,816/year, a dwelling mix that is 85% 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.
Thirlmere has a usual resident population of approximately 4,986, 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.
Thirlmere sits 71 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 $420 in Thirlmere, equating to approximately $21,840/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 Thirlmere is $2,300, or approximately $27,600/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 $420 works out to $1,820/month, covering 79% of the median mortgage repayment of $2,300/month. That leaves a $480/month shortfall (around $5,760/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 (4,986 residents), interest-rate sensitivity on the $2,300 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.