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Suburb profile ·Cabonne LGA · NSW ·2864

Cudal NSW 2864

Cudal is in Cabonne LGA, NSW, postcode 2864, with population 586.

The read

Affordability-first

The page has enough signal to be useful, but the story is mixed rather than decisive. Use compare mode to pressure-test it against stronger nearby options, then use the calculator if it still makes the shortlist.

$425K
-1.2% YoY
2005 → 2025 · 20 periods
ABS + state medians
$430K
$110K
2005 2025
Why it fits

Entry price sits in the lower-cost range for a first-pass screen. Transport coverage adds a practical access signal.

What to check

Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$425K
House median, latest period
1.2%YoY D2 vs AU
Median rent
$256/wk
Market rent signal
D5 vs AU
Gross yield
3.1%
Low yield band
D9 vs AU
Population
586
586 local footprint
D7 vs AU
Schools
1
Matched school context
D1 vs AU
Drive to city
Not in commute dataset
Solar
226
20 added 12mo · 2MW
Price cycleRising
LowPeak

1.2% below peak · 286.4% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionRising
Low · 2005Peak · 2024

1.2% below peak · 286.4% above its low

Price growth (compound)% per year
3-yr
+1.2%
5-yr
+0.0%
10-yr
+5.2%
Indicative cashflow-$226/wk (-$11,776/yr) · interest-only @ 6.4%, 80% LVR
Market turnover9.0% of homes traded/yr (22 sales)
Value vs advantage-46% vs suburbs of similar SEIFA advantage (decile 4)

Indicative cashflow is interest-only and excludes tax — use the calculator for a full projection. Turnover divides recorded sales by an estimated household count (population over average household size).

Investor profile

Who invests in Cudal

Owner-occupied 85%Rented 15%
Investor activityATO
Negatively geared6.9%
34 of 71 landlords
Avg rental loss$10,026/yr
Landlords (rental income)71
Reported capital gains48
Investor exposure index(low vs national)48.7/100
The read

Owner-occupier stronghold

82% of homes here are owner-occupied and 14% rented, with 7% of landlords negatively geared.

Why it fits

82% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 3.1% is thin — returns here lean on capital growth, not cash flow.

ABS Census 2021 tenure (G37), ATO postcode rental statistics, and QuickProperty's investor-exposure index. Owner-occupied = owned outright + with a mortgage.

Mortgage affordability

37%
of household income to service a new loan
8.3 yrs
to save a 20% deposit
Stretched
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $2,082/mo vs median rent $1,109/mo (+88% · +$225/wk)

If rates move

At 4.2%: $1,663/mo (-420) · at 6.2% (current): $2,082/mo · at 8.2%: $2,542/mo (+460)

Assumes a 20% deposit and a 30-year principal-and-interest loan at the current RBA new owner-occupier variable rate, against median weekly household income (ABS Census 2021). Stress bands follow the 30% / 45%-of-income thresholds used in ANZ-CoreLogic and AIHW reporting. Rent vs buy compares that repayment with the suburb's median advertised rent; it excludes rates, insurance, maintenance and deposit opportunity cost.

Stronger alternatives nearby

Higher yield

similar price · cross-LGA

Stronger 5-yr growth

similar price · cross-LGA

More affordable

lower price-to-income

Alternatives are similar-priced suburbs (0.7–1.4x this suburb's median) in other council areas that exceed it on the named metric. Indicative — not financial advice.

Affordability

Buying
6.2x
median home price as a multiple of annual household income
Moderate
Renting
20%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $1,300/mo, while renters pay about $1,109/mo — owning runs $191/mo higher on these medians.

Median price
$425K
Household income · yr
$68K
Median rent · wk
$256
Owner mortgage · mo
$1,300
Gross yield
3.1%

Household income

$68K household · yr-17.1% vs NSW suburb median
Personal
$37K
Family
$93K
Household
$68K
Household income distribution (ABS Census 2021 · weekly)42% could service the median house
Under $300
6
$300-649
38
$650-999
39
$1,000-1,499
35
$1,500-1,999
27
$2,000-2,999
31
$3,000-3,999
21
$4,000+
13

Serviceability line: a household needs about $1,602/wk to hold a new loan on the median house at 30% of income (20% deposit, 30-year P&I, current RBA rate).

At the median asking rent, about 35% of households here would spend more than 30% of income on rent (rent stress line: $853/wk income).

Housing stock and tenure

Tenure (229 households)3.5% social housing
Owned outright
48%
Owned with mortgage
35%
Rented
14%
Dwelling structure9.8% of dwellings unoccupied on census night
Separate house
97%
Townhouse / semi
0%
Flat / apartment
1%

Getting to work: 77% drive, 0% public transport, 2% walk or cycle, 16% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total1
Avg ICSEA979
Students48
Government1
  • Cudal Public SchoolPrimary · Government · ICSEA 979

Livability

46/ 100 livability index

Top 54% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 46% of Australian suburbs
WeakerTypicalStronger
Everyday access32
Public transport (26 stops)63
Schools & hospitals25

Bar = this suburb's percentile · tick = typical (median) peer

Suburb-level access-density index (not an address-level walk-time score), normalised within Australian suburbs. Method based on the Urban Liveability Index (Higgs et al. 2019) and Walk Score — three equal-weighted domains combined with an imbalance penalty.

Crime April 2025 - March 2026
255
1,835 per 100k
D3 vs AU

Crime

Rate · per 100k1,835
Total incidents255· April 2025 - March 2026
  • Assault7255%
  • Sexual Offences2418%
  • Robbery00%
  • Break And Enter3627%

Building due diligence

Construction requirements can change by location.

The National Construction Code is the baseline. Local hazards and site classifications can change the required structure, materials, fixings, insulation and detailing.

Known here

SUBURB CONTEXT

Bushfire-prone land

Severe broad-area context

About 100.0% of the suburb intersects mapped bushfire-prone land.

May affect: External construction · Roof and wall systems · Openings, screens and decks

Check the property

ADDRESS + DESIGN

NCC climate zone

Check the property

Confirm the NCC climate zone used for the building design and energy provisions.

May affect: Insulation and glazing · Condensation control · Roof-space ventilation

Wind class and BAL

Site assessment required

A suburb layer cannot determine the site wind classification or Bushfire Attack Level.

May affect: Structure and tie-downs · Cladding and fixings · Openings and bushfire detailing

Corrosion and termite exposure

Check the property

Confirm marine or corrosive exposure and the applicable termite-management requirements.

May affect: Fasteners and connectors · Roofing and coatings · Termite management

This screen identifies investigation triggers, not building quality or property compliance. Confirm the address, design and current jurisdiction rules with the council, building surveyor or certifier, designer and engineer.

NCC 2022 Housing Provisions: how to use · NCC 2022 Volume Two and Housing Provisions

Bushfire exposure

Severe exposure ~100.0%
~100.0% of the suburb is Bush Fire Prone Land

Estimated exposure to NSW RFS Bush Fire Prone Land (CC BY), point-sampled across the suburb. This shows how much of the suburb sits within the official hazard layer — it is not a Bushfire Attack Level (BAL) rating or a property-level assessment. Obtain a BAL assessment (AS 3959) for an individual property.

Planning zones

Dominant zone Primary Production
Rural / Green wedge 98% Residential 2% Other 1%
Residential density: Low

Land-use mix estimated by point-sampling the suburb against NSW EPI Land Zoning polygons (CC BY 4.0). This is a suburb-level snapshot of planning zones, not a parcel-level zoning certificate or development advice. Check the relevant planning scheme for an individual property.

Population outlook

11,869 people · 202212,427 by 2032 (+4.7%)

ABS population projection (2022 base) for the Orange Surrounds SA2 statistical area — the finest official projection grain available; suburb-level projections do not exist.

Full data detail Census · ATO · ABS · state datasets
Cudal NSW — Property Data and Demographics

Cudal (postcode 2864) is a close-knit residential community in New South Wales within the Cabonne local government area. With a population of 586, the suburb has an established family demographic with a median age of 44. Households earn a median income of $68K per year, with an average household size of 2.4 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +0.0% year-on-year at the LGA level. NSW employment has moved +1.2% year-on-year in the official ABS Labour Force trend series, which provides the broader jobs backdrop for this suburb. NSW also had 35 Commonwealth-backed major projects under construction, 17 underway, and 67 in planning as at 2025-09-01, which is useful as a broader delivery backdrop rather than a suburb-specific project count. The most common occupations are managers, labourers, technicians & trades. Employment in the area leans toward agriculture and healthcare. The top ancestries reported are Australian, English, Irish.

Median house prices in Cudal stand at $425,000, having eased back by 1.2% over the last twelve months. The median weekly rent is $256 (Census 2021). This gives a gross rental yield of approximately 3.1%. The median monthly mortgage repayment is $1,300.

Cudal is served by 1 school, including 1 primary. The average ICSEA score is 979, which is around the national average of 1,000. Public transport access includes 26 bus stops. The crime rate in the Cabonne LGA is low at 1,835 incidents per 100,000 population.

Looking at the investment signals, The gross rental yield works out to roughly 3.1%, which reads as moderate yield. Property prices sit below the state median ($425K/$1.5M), which can point to relative value. The price-to-income ratio of 6.2x is considered moderate. House prices have moved -1.2% year-on-year. Population growth of +0.0% year-on-year points to stable demand fundamentals. Building approvals have changed +0% year-on-year, indicating steady development activity.

Market & money
Investment signalsHeuristics
Rental Yield3.1%· Moderate Yield
Price vs State$425K/$1.5M Below Median
Affordability6.2x· Moderate
Price Momentum-1.2% Falling
Pop. Growth+0.0%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,300
Rent · wk(Census)$256
Gross yield3.1%
Price / income6.2x
Sales vol (latest Q)(2020-Q4)6
Population growth · Cabonne LGAABS ERP
Population (2025)13,915
5-year growth+0.1% CAGR
YoY change+0%
20012025
Development · Cabonne LGAABS Approvals
Approvals (2026)31
Houses31
YoY change+0%
Employment · Cabonne LGASALM
Unemployment (Dec-25)1.9%
YoY change+0.7pp
Dec-10Dec-25
Property investors · Postcode 2864ATO
Negatively geared6.9%
34 of filers
Avg rental loss$10,026/yr
Landlords (rental income)71
Reported capital gains48
People & prosperity
DemographicsCensus 21
Population586
Median age44
Household size2.4
HH income · wk$1,312
Personal income · wk$716
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)4/10
Education (IEO)3/10
Economic (IER)5/10
Disadvantage (IRSD)3/10
Income momentumCensus 16→21
HH income · wk$1,280 → $1,312
Change+2.5%
vs NSW median-18.1 pp
Median rent+42.2%
softeningvs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets0
Pharmacies0
GP / clinics0
Fuel stations0
Cafes & dining3
TransportGTFS
Bus stops26
Hospitals · Cabonne LGAAIHW
Public3
Private0
Canowindra Soldiers Memorial Hospitalpublic
Eugowra Memorial Multipurpose Servicepublic
Molong Health Servicepublic
Aged care · Cabonne LGAGEN
Facilities5
Residential places154
Moyne Roshana Care68 places
Prunus Lodge28 places
Yeoval Community Nursing Home25 places
Molong Multi-Purpose Service20 places
Eugowra Multi-Purpose Service13 places
Childcare · Cabonne LGAACECQA
Services15
Approved places478
Exceeding NQS0
Molong Early Learning Centre61 places
Canowindra Pre-School Kindergarten Inc52 places
Cudal Community Children's Centre47 places · in suburb
Canowindra Out of School Hours Care45 places
Cabonne Out of School Hours Care - Molong44 places
Eugowra Community Children's Centre44 places
+9 more in Cabonne LGA
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Current status
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Sources & freshness
Strong evidence

Cudal carries enough direct local evidence for a first-pass decision.

QuickProperty mixes release files, Census baselines, and matched local services on this page. Read the status panel before treating every metric as equally fresh.

PRICE POSTURE
NSW price medians are parser-guarded official records.

Official sale records parsed from cached Bulk PSI ZIP files with parser guardrails for token sales, non-house zoning, and low-value strata component records

RENT POSTURE
Rent is falling back to Census, not a market feed.

This gives you directional coverage, but it is weaker than a current rent release.

SERVICE POSTURE
Service coverage is matched locally, not inferred nationally.

Schools, transport, and hospitals are useful as presence signals, but they still have different source cadences.

Data status
Property prices
NSW Valuer General · 2020-Q4 · Official sale records parsed from cached Bulk PSI ZIP files with parser guardrails for token sales, non-house zoning, and low-value strata component records
medium stability · automated · every update · weekly
Available
Market rent
ABS Census 2021 · Using Census rent fallback
stable source · manual file · snapshot · census-cycle
Verify
Crime
BOCSAR · April 2025 - March 2026 · Area-level release dataset
medium stability · automated · every update · release-based
Available
Schools
ACARA 2025 · 1 schools matched
stable source · automated · every update · annual
Available
Hospitals
AIHW · No linked local hospital coverage
medium stability · manual file · snapshot · mixed
Missing
Transport
GTFS feeds · 26 matched stops/stations
medium stability · manual file · snapshot · mixed
Available
Population growth
ABS ERP · 2025 · Annual estimate series
stable source · automated · every update · annual
Available
Building approvals
ABS Building Approvals · 2026 · Annual release series
stable source · automated · every update · monthly
Available
Available means a direct local dataset is linked. Verify means coverage exists but freshness or precision is weaker, such as ABS price fallback, Census rent fallback, or low-confidence hospital matching.

Cudal FAQ

Common questions
  1. What LGA is Cudal in?

    Cudal is in the Cabonne Local Government Area, NSW, postcode 2864. Council-level context for Cabonne LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Cudal?

    The current median house price in Cudal, NSW is $425K, based on the latest available sales data from state Valuers General offices and ABS Data by Region.

  3. What is the typical weekly rent in Cudal?

    The median weekly rent in Cudal is $256/wk, based on ABS Census 2021 rent fallback.

  4. Is Cudal a good investment?

    QuickProperty's investment signals for Cudal show: Moderate Yield, Below Median, Moderate. These are computed from price, rent, income, and population data — not an opaque score.

  5. Where does QuickProperty get its data for Cudal?

    Property prices come from state Valuers General offices and ABS Data by Region. Demographics are from ABS Census 2021. School ICSEA scores are from ACARA. Crime statistics are from state police agencies. Transport data is sourced from GTFS feeds.

  6. How often is the Cudal data updated?

    Property prices update quarterly. RBA macro indicators update with each deploy. Demographics are from Census 2021. School ICSEA scores are from ACARA 2025.