EquitySight.app
Free full calculator →
EquitySight.app
Free full calculator →
ABS 2021 Census · Updated 21 May 2026
McHarg Creek is a regional centre in South Australia, Australia, with a population of approximately 72, making it a boutique locality. Located approximately 40 km from the Adelaide CBD, McHarg Creek is a regional area in South Australia. The median household income is $75,816 per year.
McHarg Creek has a solid income profile that supports reliable occupancy rates. Distance from major centres is a consideration, though regional markets can offer higher rental yields.
Official Australia Post postcode for McHarg 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 McHarg 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.
McHarg Creek is a smaller community of 72 — about 2% of the South Australia suburb median (3,699) — so investors should factor in the narrower buyer pool and longer average time-on-market. Household income of $75,816/year is 6% below the South Australia median of $80,964, typically translating into lower entry prices and a tenant base more sensitive to rent increases. Median rent of $225/week (~$975/month) covers only 59% of the median mortgage of $1,640/month — the remaining $665/month must be funded from other income, so this suburb tilts toward capital growth rather than yield. At 40 km from Adelaide, McHarg Creek is an outer-metro location where buyers are typically trading commute time for floor space and a lower entry price.
How McHarg Creek stacks up against the median of all South Australia suburbs in our dataset. Positive values mean McHarg Creek sits above the state median; negative means below.
| Metric | McHarg Creek | SA median | Δ vs state |
|---|---|---|---|
| Population | 72 | 3,699 | -98% |
| Median household income | $75,816/yr | $80,964/yr | -6% |
| Median rent (weekly) | $225 | $320 | -30% |
| Median mortgage (monthly) | $1,640 | $1,616 | +1% |
| Distance to CBD | 40 km | 13 km | +208% |
| Separate houses | 87% | 73% | +14pp |
Pre-inspection briefing for McHarg 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 72 means liquidity is thin and capital growth tends to lag the wider South Australia market over full cycles.
Weak cash flow: $225/week rent covers only 59% of the $1,640/month median mortgage — a $665/month gap that must be funded from other income. This suburb is a capital-growth play, not a yield play.
With 87% houses in a 72-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 McHarg Creek property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for McHarg Creek are modest for 2026 — incomes 6% below the SA median of $80,964 and a population of 72 suggest gains will lag headline metro markets. Rental coverage runs at ~59% of the typical mortgage ($975/month rent vs $1,640/month repayment), meaning investors will rely on capital growth rather than yield. The EquitySight investment score of 39/100 places McHarg Creek in the lower tier of Australian suburbs we profile, and overall investor sentiment is cautious heading into the second half of 2026.
Lived in McHarg Creek? Help other investors with an honest 100-word review. Sign-in required; all reviews are manually moderated before they appear.
McHarg Creek scores 39/100 on our EquitySight investment framework — a weak rating. That score is driven by a population of 72, median household income of $75,816/year and median weekly rent of $225. 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 McHarg Creek are a median household income of $75,816/year, a dwelling mix that is 87% 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.
McHarg Creek has a usual resident population of approximately 72, compared with a South Australia suburb median of 3,699 — 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.
McHarg Creek sits 40 km straight-line from the Adelaide CBD. This is an outer-metro location; local employment and infrastructure announcements tend to move prices more than CBD connectivity alone.
The most recent census recorded a median weekly rent of $225 in McHarg Creek, equating to approximately $11,700/year in gross rental income (state median $320/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 McHarg Creek is $1,640, or approximately $19,680/year (vs $1,616/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 $225 works out to $975/month, covering 59% of the median mortgage repayment of $1,640/month. That leaves a $665/month shortfall (around $7,980/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 (72 residents), interest-rate sensitivity on the $1,640 median mortgage, the broader South Australia 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.