Suburb Overview
Stirling North is a regional centre in South Australia, Australia, with a population of approximately 2,793, making it a boutique locality. Located approximately 278 km from the Adelaide CBD, Stirling North is a regional area in South Australia. The median household income is $95,212 per year.
Location
Key Indicators
Postcode
5710
Postcode for Stirling North, from a community postcode dataset cross-checked against Australia Post. A postcode may cover multiple suburbs.
Australia Post Postcode Finder →
Population
2,793
Usual resident population at the most recent census.
Median weekly rent
$420/wk
Median weekly rent — as at Jan–Mar 2026, Consumer & Business Services (SA) (CC BY 4.0).
Median household income
$95,212
Annual median household income (before tax) across all households.
Distance to CBD
278 km
Straight-line distance from the suburb centroid to the nearest capital city CBD. Actual driving distance will be longer.
Housing
Median monthly mortgage
$1,306/mo
Monthly median mortgage repayment for households currently paying off a mortgage.
Home type
89% houses
Proportion of separate houses versus units, townhouses, and other home types. Useful for investors assessing rental demand mix.
Why People Like Living in Stirling North
- Regional location about 278 km from Adelaide.
- Predominantly separate houses (89%) — suburban lifestyle with more land.
- Country-town feel with lower density and slower pace of life.
Who Stirling North Suits
Pros and Cons
Pros
- Rent sits within an affordable share of local incomes, supporting tenant demand.
- Mortgage costs are lower than the South Australia median, improving cash-flow margins.
- Lower purchase prices and more land for the money.
Cons
- Long distance to the CBD (278 km) — plan for commute time or local employment.
- Transport options are limited — car dependency is likely.
- Fewer schools inside the suburb itself — verify catchments for neighbouring areas.
Investment Insight
Stirling North is a smaller community of 2,793 — about 76% of the South Australia suburb median (3,699) — so investors should factor in the narrower buyer pool and longer average time-on-market. Median household income of $95,212/year runs 18% above the South Australia suburb median of $80,964, indicating strong purchasing power and the type of demographic profile that tends to sustain premium property prices through market cycles. Median rent of $420/week (as at Jan–Mar 2026, Consumer & Business Services (SA)) equates to roughly $1,820/month — about 139% of the $1,306/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. Stirling North is 278 km from Adelaide, so the local market tracks regional employment and lifestyle drivers more than CBD-driven commuter demand. Separate houses make up 89% of dwellings — 16 percentage points above the South Australia median of 73% — pointing to a family-oriented, land-rich market where value is concentrated in the underlying block.
Investment Tip
This suburb suits yield-focused investors who are comfortable with lower liquidity. Employment concentration and local population trends matter more here than in metro markets. At the 2021 Census, local rents consumed roughly 14% of household income — a dated but useful sanity check on tenant affordability.
Stirling North vs South Australia Median
How Stirling North stacks up against the median of all South Australia suburbs in our dataset. Positive values mean Stirling North sits above the state median; negative means below.
| Metric | Stirling North | SA median | Δ vs state |
|---|---|---|---|
| Population | 2,793 | 3,699 | -24% |
| Median household income | $95,212/yr | $80,964/yr | +18% |
| Median rent (weekly, 2021 Census) | $250 | $320 | -22% |
| Median mortgage (monthly, 2021 Census) | $1,306 | $1,616 | -19% |
| Distance to CBD | 278 km | 13 km | +2038% |
| Separate houses | 89% | 73% | +16pp |
Investor Checklist
Pre-inspection briefing for Stirling North — every item is derived from public datasets, with full citations in our data sources page.
- Market depth: 2,793 residents — 76% of the SA suburb median (3,699).
- Purchasing power: median household income $95,212/year (+18% vs South Australia suburb median of $80,964).
- Cash-flow coverage (2021 Census): $250/week rent (≈ $1,083/month) covered ~83% of the $1,306/month median mortgage at the 2021 Census — verify against current rents and rates.
- CBD access: 278 km straight-line from Adelaide (state suburb median 13 km).
- Dwelling mix: 89% separate houses — house-dominant market (vs 73% state median).
- Rate stress-test: budget ~$131/month extra for a 1-percentage-point RBA rate rise on top of the $1,306/month median repayment.
- Tenant rent burden: 14% of the median household income is spent on rent — comfortably affordable.
Investment Strategy
Limited buy-and-hold upside: a small population of 2,793 means liquidity is thin and capital growth tends to lag the wider South Australia market over full cycles.
Moderate rental coverage at the 2021 Census: rent of $250/week covered 83% of a $1,306/month mortgage, a $223/month gap bridged with equity, depreciation and tax benefits. Re-check with current rents and rates before committing.
With 89% houses in a 2,793-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 $1,306/month median mortgage in Stirling North means a 1-percentage-point RBA rate rise could add roughly $131/month to repayments, reducing buyer borrowing capacity and cooling prices.
- Liquidity risk: with 2,793 residents, Stirling North has a thinner pool of buyers and tenants than larger suburbs. Expect longer days-on-market on resale and budget for potential vacancy gaps between tenancies.
- Commute distance: at 278 km from the nearest CBD, Stirling North depends on local employment rather than city-driven commuter demand, which amplifies the market's sensitivity to regional industry slowdowns.
- House-dominant stock: 89% of dwellings are separate houses, so value is concentrated in land — weather events, insurance repricing and land-tax changes hit investors here more directly than in a unit-heavy suburb.
- Regulatory risk: changes to Australian tax settings (negative gearing, CGT discount, foreign-buyer surcharges, land-tax thresholds) could reshape after-tax returns in Stirling North regardless of local market conditions.
Run the numbers on a Stirling North property
Walk the journey to a place like Stirling North
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 first-home journey →2026 Outlook
Capital-growth expectations for Stirling North are modest for 2026 — incomes 18% above the SA median of $80,964 and a population of 2,793 suggest gains will lag headline metro markets. At the 2021 Census, rental coverage ran at ~83% of the typical mortgage ($1,083/month rent vs $1,306/month repayment), keeping cash flow in positive or near-neutral territory. Verify against current rents and rates. Overall investor sentiment for Stirling North is cautious heading into the second half of 2026, based on its income, rent and mortgage profile relative to the South Australia median.
Share your experience of Stirling North
Lived in Stirling North? Help other investors with an honest 100-word review. Sign-in required; all reviews are manually moderated before they appear.
Frequently Asked Questions
Is Stirling North a good suburb for investment?
Whether Stirling North suits you depends on your strategy, but the fundamentals are concrete: a population of 2,793, a median household income of $95,212/year and median weekly rent of $250. 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 Stirling North?
The main demand drivers in Stirling North are an above-state-median household income of $95,212/year, a dwelling mix that is 89% separate houses. Together these shape both owner-occupier and tenant demand.
What is the population of Stirling North?
Stirling North has a usual resident population of approximately 2,793, 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.
How far is Stirling North from the Adelaide CBD?
Stirling North sits 278 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.
What is the median rent in Stirling North?
The most recent census recorded a median weekly rent of $250 in Stirling North, equating to approximately $13,000/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.
What is the typical mortgage repayment in Stirling North?
The median monthly mortgage repayment in Stirling North is $1,306, or approximately $15,672/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.
Is Stirling North cash-flow positive for investors?
A median weekly rent of $250 works out to $1,083/month, covering 83% of the median mortgage repayment of $1,306/month. That leaves a $223/month shortfall (around $2,676/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.
What are the main risks of investing in Stirling North?
The main risks are a thin buyer pool (2,793 residents), interest-rate sensitivity on the $1,306 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.
How we built this Stirling North profile
The population, postcode, median household income, and dwelling mix on this page are real figures from the ABS 2021 Census (income is the ABS median weekly household income annualised) and Australia Post. Distance to the CBD is calculated from the suburb's ABS centroid. The Census median rent and mortgage repayment are 2021 figures and are clearly 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 Consumer & Business Services (SA) (Jan–Mar 2026), published under a Creative Commons licence — it is dated on the page and is separate from the older Census rent. 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.