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ABS 2021 Census · Updated 21 May 2026
Mount Gambier is a regional centre in South Australia, Australia, with a population of approximately 25,591, making it a sizeable community. Located approximately 377 km from the Adelaide CBD, Mount Gambier is a regional area in South Australia. The median household income is $62,244 per year.
Lower income levels in Mount Gambier typically translate to more affordable entry points for investors. Regional positioning means lower entry costs but potentially longer hold periods for capital gains.
Official Australia Post postcode for Mount Gambier. 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 6 schools within or near this suburb.
Find schools near Mount Gambier on My School →Estimated 10 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.
With 25,591 residents, Mount Gambier is one of South Australia's more populous suburbs — roughly 6.9× the state median of 3,699 — giving it a deep buyer and tenant pool that typically supports higher transaction volumes and shorter average days on market. Mount Gambier's median household income of $62,244/year is 23% below the South Australia suburb median ($80,964) — this is an affordability play where returns lean on yield and patient capital growth rather than demographic premium. Rent of $220/week (88% coverage of the $1,083/month median mortgage) leaves a gap of roughly $130/month that a typical investor bridges with negative gearing, depreciation and capital growth. Mount Gambier is 377 km from Adelaide, 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 18% of household income — a useful sanity check on tenant affordability.
How Mount Gambier stacks up against the median of all South Australia suburbs in our dataset. Positive values mean Mount Gambier sits above the state median; negative means below.
| Metric | Mount Gambier | SA median | Δ vs state |
|---|---|---|---|
| Population | 25,591 | 3,699 | +592% |
| Median household income | $62,244/yr | $80,964/yr | -23% |
| Median rent (weekly) | $220 | $320 | -31% |
| Median mortgage (monthly) | $1,083 | $1,616 | -33% |
| Distance to CBD | 377 km | 13 km | +2800% |
| Separate houses | 69% | 73% | -4pp |
Pre-inspection briefing for Mount Gambier — every item is derived from public datasets, with full citations in our data sources page.
Limited buy-and-hold upside: household incomes 23% below the SA median ($62,244 vs $80,964) means liquidity is thin and capital growth tends to lag the wider South Australia market over full cycles.
Strong rental coverage: $220/week (~$953/month) covers 88% of the $1,083/month median mortgage repayment, so the shortfall sits at just $130/month. Investors targeting positive cash flow should shortlist this suburb.
With 69% houses in a 25,591-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 Mount Gambier property
Scenario comparison, cash flow analysis, tax modelling, and PDF export — all in one place.
Create free account →Capital-growth expectations for Mount Gambier are modest for 2026 — incomes 23% below the SA median of $80,964 suggest gains will lag headline metro markets. Rental coverage runs at ~88% of the typical mortgage ($953/month rent vs $1,083/month repayment), keeping cash flow in positive or near-neutral territory. The EquitySight investment score of 38/100 places Mount Gambier 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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Mount Gambier scores 38/100 on our EquitySight investment framework — a weak rating. That score is driven by a population of 25,591, median household income of $62,244/year and median weekly rent of $220. 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 Mount Gambier are a median household income of $62,244/year, a dwelling mix that is 69% separate houses, roughly 6 schools and 10 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.
Mount Gambier has a usual resident population of approximately 25,591, compared with a South Australia suburb median of 3,699 — 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.
Mount Gambier sits 377 km straight-line from the Adelaide 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 $220 in Mount Gambier, equating to approximately $11,440/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 Mount Gambier is $1,083, or approximately $12,996/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 $220 works out to $953/month, covering 88% of the median mortgage repayment of $1,083/month. That leaves a $130/month shortfall (around $1,560/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 interest-rate sensitivity on the $1,083 median mortgage, below-median household incomes ($62,244 vs $80,964 state median), 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.