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ABS 2021 Census · Updated 21 May 2026
Upper Mongogarie is a coastal suburb in New South Wales, Australia, with a population of approximately 24, making it a boutique locality. Located approximately 566 km from the Sydney CBD, Upper Mongogarie is a coastal area in New South Wales. The median household income is $46,800 per year.
Lower income levels in Upper Mongogarie typically translate to more affordable entry points for investors. The coastal setting provides a lifestyle factor that underpins property values.
Official Australia Post postcode for Upper Mongogarie. 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 Upper Mongogarie 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.
Upper Mongogarie is a smaller community of 24 — about 0% of the New South Wales suburb median (5,325) — so investors should factor in the narrower buyer pool and longer average time-on-market. Upper Mongogarie's median household income of $46,800/year is 52% 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. Rent of $200/week (82% coverage of the $1,057/month median mortgage) leaves a gap of roughly $190/month that a typical investor bridges with negative gearing, depreciation and capital growth. Upper Mongogarie is 566 km from Sydney, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand. Only 50% of dwellings are separate houses (vs 76% state median), so this is a unit-heavy market where body-corporate decisions and strata supply meaningfully shape investor returns.
How Upper Mongogarie stacks up against the median of all New South Wales suburbs in our dataset. Positive values mean Upper Mongogarie sits above the state median; negative means below.
| Metric | Upper Mongogarie | NSW median | Δ vs state |
|---|---|---|---|
| Population | 24 | 5,325 | -100% |
| Median household income | $46,800/yr | $97,552/yr | -52% |
| Median rent (weekly) | $200 | $430 | -53% |
| Median mortgage (monthly) | $1,057 | $2,167 | -51% |
| Distance to CBD | 566 km | 45 km | +1158% |
| Separate houses | 50% | 76% | -26pp |
Pre-inspection briefing for Upper Mongogarie — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: a small population of 24 means liquidity is thin and capital growth tends to lag the wider New South Wales market over full cycles.
Moderate rental coverage: rent of $200/week covers 82% of a $1,057/month mortgage, leaving a $190/month gap that an investor bridges with equity, depreciation and tax benefits.
Only 50% of dwellings are separate houses (vs 76% NSW median) — this is a unit and townhouse market, where cosmetic flips struggle against body-corporate restrictions, thinner after-reno uplift and competing new supply.
Run the numbers on a Upper Mongogarie property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Upper Mongogarie are modest for 2026 — incomes 52% below the NSW median of $97,552 and a population of 24 suggest gains will lag headline metro markets. Rental coverage runs at ~82% of the typical mortgage ($867/month rent vs $1,057/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 34/100 places Upper Mongogarie 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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Upper Mongogarie scores 34/100 on our EquitySight investment framework — a weak rating. That score is driven by a population of 24, median household income of $46,800/year and median weekly rent of $200. 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 Upper Mongogarie are a median household income of $46,800/year, a dwelling mix that is 50% 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.
Upper Mongogarie has a usual resident population of approximately 24, 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.
Upper Mongogarie sits 566 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 $200 in Upper Mongogarie, equating to approximately $10,400/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 Upper Mongogarie is $1,057, or approximately $12,684/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 $200 works out to $867/month, covering 82% of the median mortgage repayment of $1,057/month. That leaves a $190/month shortfall (around $2,280/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 (24 residents), interest-rate sensitivity on the $1,057 median mortgage, below-median household incomes ($46,800 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.