Cardiff South NSW

Postcode 2285 · Lake Macquarie LGA

Cardiff South is a smaller suburb in New South Wales within the Lake Macquarie local government area (postcode 2285). With a population of 2,931, the suburb has an established demographic with a median age of 38. Households earn a median income of $88K per year, with an average household size of 2.5 people. The most common occupations are professionals, community & personal service, technicians & trades. The top ancestries reported are Australian, English, Irish.

The median house price in Cardiff South is $1.0 million, having grown strongly 8.7% over the past year. Units have a median price of $690,000 (+18.5% YoY). The current median weekly rent is $700. This gives a gross rental yield of approximately 3.6%. The median monthly mortgage repayment is $1,777.

Cardiff South is served by 1 school, including 1 primary. The average ICSEA score is 1017, which is around the national average of 1,000. Public transport access includes 24 bus stops. The crime rate in the Lake Macquarie LGA is below average at 3,396 incidents per 100,000 population.

From an investment perspective, Cardiff South offers a gross rental yield of 3.6%, rated as moderate yield. Property prices sit below the state median ($1.0M/$1.5M), suggesting a potential value opportunity. The price-to-income ratio of 11.6x is considered stretched. House prices have moved +8.7% year-on-year.

INVESTMENT SIGNALS
Rental Yield3.6% Moderate Yield
Price vs State$1.0M/$1.5M Below Median
Affordability11.6x Stretched
Price Momentum+8.7% Rising
SEIFA INDEX (ABS)
Advantage5/10
Education4/10
Economic4/10
Disadvantage4/10
MEDIAN HOUSE
$1.0M
8.7% YoY
MEDIAN UNIT
$690K
18.5% YoY
MEDIAN RENT /WK
$400
POPULATION
2,931
DEMOGRAPHICS
Median Age38
Household Size2.5
HH Income /wk$1,688
Personal Income /wk$805
Mortgage /mth$1,777
CRIME (Lake Macquarie LGA)
Crime Rate (per 100k)3,396
Total Incidents7,534
TRANSPORT
Bus Stops24
SCHOOLS (1)
Avg ICSEA1017
Total Students298
Government1
Cardiff South Public SchoolPrimary · Government · ICSEA 1017
Data: 2026