Suburb overview
Gympie is a coastal suburb in Queensland, Australia, with a population of approximately 11,355, making it a smaller community. Located approximately 147 km from the Brisbane CBD, Gympie is a coastal area in Queensland. The median household income is $53,144 per year.
Location
Key indicators
Postcode
4570
Postcode for Gympie, from a community postcode dataset cross-checked against Australia Post. A postcode may cover multiple suburbs.
Australia Post Postcode Finder →
Population
11,355
Usual resident population at the most recent census.
Median weekly rent
$550/wk
Median weekly rent — as at Mar 2026, Residential Tenancies Authority (Qld) (CC BY 4.0).
Distance to CBD
147 km
Straight-line distance from the suburb centroid to the nearest capital city CBD. Actual driving distance will be longer.
Housing
Median monthly mortgage
$1,200/mo
Monthly median mortgage repayment for households currently paying off a mortgage.
Home type
77% houses
Proportion of separate houses versus units, townhouses, and other home types. Useful for investors assessing rental demand mix.
Why people like living in Gympie
- Regional location about 147 km from Brisbane.
- Predominantly separate houses (77%) — suburban lifestyle with more land.
- Beach lifestyle with coastal walks and outdoor recreation on the doorstep.
Who Gympie suits
Pros and cons
Pros
- Mortgage costs are lower than the Queensland median, improving cash-flow margins.
- Coastal lifestyle attracts renters and owner-occupiers alike.
- Established infrastructure and existing community base.
Cons
- Long distance to the CBD (147 km) — plan for commute time or local employment.
- Traffic can build during peak hours, especially on arterial roads.
Investment insight
With 11,355 residents, Gympie is one of Queensland's more populous suburbs — roughly 2.1× the state median of 5,474 — giving it a deep buyer and tenant pool that typically supports higher transaction volumes and shorter average days on market. Gympie's median household income of $53,144/year is 41% below the Queensland suburb median ($90,298) — this is an affordability play where returns lean on yield and patient capital growth rather than demographic premium. Median rent of $550/week (as at Mar 2026, Residential Tenancies Authority (Qld)) equates to roughly $2,383/month — about 199% of the $1,200/month median mortgage repayment recorded at the 2021 Census. On those figures rental income covers most or all of the recorded repayment, but repayments on new loans have risen with interest rates since 2021, so re-run the coverage at today's rates before treating this as a cash-flow suburb. Gympie is 147 km from Brisbane, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand.
Investment tip
Coastal markets benefit from lifestyle appeal but require a buffer for higher insurance and occasional weather-driven vacancies. At the 2021 Census, local rents consumed roughly 29% of household income — a dated but useful sanity check on tenant affordability.
Gympie vs Queensland median
How Gympie stacks up against the median of all Queensland suburbs in our dataset. Positive values mean Gympie sits above the state median; negative means below.
| Metric | Gympie | QLD median | Δ vs state |
|---|---|---|---|
| Population | 11,355 | 5,474 | +107% |
| Median household income | $53,144/yr | $90,298/yr | -41% |
| Median rent (weekly, 2021 Census) | $295 | $385 | -23% |
| Median mortgage (monthly, 2021 Census) | $1,200 | $1,733 | -31% |
| Distance to CBD | 147 km | 62 km | +137% |
| Separate houses | 77% | 77% | 0pp |
Investor checklist
Pre-inspection briefing for Gympie — every item is derived from public datasets, with full citations in our data sources page.
- Market depth: 11,355 residents — 207% of the QLD suburb median (5,474).
- Purchasing power: median household income $53,144/year (-41% vs Queensland suburb median of $90,298).
- Cash-flow coverage (2021 Census): $295/week rent (≈ $1,278/month) covered ~107% of the $1,200/month median mortgage at the 2021 Census — verify against current rents and rates.
- CBD access: 147 km straight-line from Brisbane (state suburb median 62 km).
- Dwelling mix: 77% separate houses — house-dominant market (vs 77% state median).
- Rate stress-test: budget ~$120/month extra for a 1-percentage-point RBA rate rise on top of the $1,200/month median repayment.
- Tenant rent burden: 29% of the median household income is spent on rent — within normal range.
Investment strategy
Limited buy-and-hold upside: household incomes 41% below the QLD median ($53,144 vs $90,298) means liquidity is thin and capital growth tends to lag the wider Queensland market over full cycles.
Strong rental coverage at the 2021 Census: $295/week (~$1,278/month) covered 107% of the $1,200/month median mortgage, a shortfall of just $0/month. Both rents and repayments have moved since 2021 — verify current figures, though this suburb has historically leaned cash-flow-friendly.
With 77% houses in a 11,355-person market, renovation margins depend on individual street and aspect rather than any suburb-wide story — do comparable-sales analysis before committing capital.
Risk factors
- Interest-rate sensitivity: the $1,200/month median mortgage in Gympie means a 1-percentage-point RBA rate rise could add roughly $120/month to repayments, reducing buyer borrowing capacity and cooling prices.
- Income vulnerability: household incomes in Gympie are 41% below the Queensland median ($53,144 vs $90,298), which tends to compress rent growth and increases exposure to local unemployment shocks.
- Commute distance: at 147 km from the nearest CBD, Gympie depends on local employment rather than city-driven commuter demand, which amplifies the market's sensitivity to regional industry slowdowns.
- Regulatory risk: changes to Australian tax settings (negative gearing, CGT discount, foreign-buyer surcharges, land-tax thresholds) could reshape after-tax returns in Gympie regardless of local market conditions.
- Market cycle risk: property markets are cyclical, so stress-test your projections in Gympie with a 10–15% price pullback scenario before committing capital — returns to date are not a guarantee of future performance.
Run the numbers on a Gympie property
Walk the journey to a place like Gympie
Seven guided stops — government schemes compared for your exact numbers, a real budget, suburb shortlisting and every contract deadline tracked. Free, no signup to start.
Start your journey near Gympie →2026 outlook
Capital-growth expectations for Gympie are modest for 2026 — incomes 41% below the QLD median of $90,298 suggest gains will lag headline metro markets. At the 2021 Census, rental coverage ran at ~107% of the typical mortgage ($1,278/month rent vs $1,200/month repayment), keeping cash flow in positive or near-neutral territory. Verify against current rents and rates. Overall investor sentiment for Gympie is cautious heading into the second half of 2026, based on its income, rent and mortgage profile relative to the Queensland median.
Frequently asked questions
Is Gympie a good suburb for investment?
Whether Gympie suits you depends on your strategy, but the fundamentals are concrete: a population of 11,355, a median household income of $53,144/year and median weekly rent of $295. Weigh those against your goal — cash flow, capital growth, or a value-add renovation — each of which we break down with suburb-specific ABS numbers elsewhere on this page.
What drives property demand in Gympie?
The main demand drivers in Gympie are a median household income of $53,144/year, a dwelling mix that is 77% separate houses. Together these shape both owner-occupier and tenant demand.
What is the population of Gympie?
Gympie has a usual resident population of approximately 11,355, compared with a Queensland suburb median of 5,474 — 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.
How far is Gympie from the Brisbane CBD?
Gympie sits 147 km straight-line from the Brisbane CBD. This is a regional market where CBD distance is only indicative — local industry diversity and commute alternatives matter more.
What is the median rent in Gympie?
The median weekly rent in Gympie is $550 (as at Mar 2026, Residential Tenancies Authority (Qld)), equating to approximately $28,600/year in gross rental income. Confirm against current listings on realestate.com.au and Domain before making an offer.
What is the typical mortgage repayment in Gympie?
The median monthly mortgage repayment in Gympie is $1,200, or approximately $14,400/year (vs $1,733/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.
Is Gympie cash-flow positive for investors?
A median weekly rent of $295 works out to $1,278/month, covering 107% of the median mortgage repayment of $1,200/month. That means rent exceeds the median repayment by roughly $78/month, so on these numbers Gympie leans cash-flow-positive before accounting for strata, council rates, insurance and maintenance. Actual cash flow depends on your deposit, loan terms, ownership costs and marginal tax rate — run the full numbers in our rental yield calculator.
What are the main risks of investing in Gympie?
The main risks are interest-rate sensitivity on the $1,200 median mortgage, below-median household incomes ($53,144 vs $90,298 state median), the broader Queensland market cycle. Each of these is covered in the Risk Factors section above with suburb-specific numbers rather than generic warnings.
How we built this Gympie profile
The population figure on this page comes from the ABS 2021 Census. The postcode comes from a community postcode dataset cross-checked against Australia Post. The dwelling mix is from the ABS 2021 Census. The median household income is the ABS 2021 Census median weekly household income, annualised. Distance to the CBD is calculated from the suburb's ABS centroid. The Census median rent and mortgage figures are 2021 figures and are labelled as such wherever they appear — they are five years old and have moved substantially since. The current median weekly rent in Key indicators is a genuine recent figure from Residential Tenancies Authority (Qld) (Mar 2026), published under a Creative Commons licence and dated on the page. We do not publish an investment score or school/park counts for this suburb. See our methodology and data sources for exactly what's measured and what's estimated.