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Suburb profile ·Kempsey LGA · NSW ·2440

Kempsey NSW 2440

Kempsey is in Kempsey LGA, NSW, postcode 2440, with population 483.

The read

Income-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.

$460/wk
+5.0% YoY
Mar 2025 → Apr 2026 · 14 periods
NSW Fair Trading · postcode 2440 · Apr 2026
$500
$412
Mar 2025Apr 2026
Why it fits

Gross yield screens at about 5.7%. Entry price sits in the lower-cost range for a first-pass screen. School coverage gives the page a stronger family/livability signal.

What to check

Small local population makes the signal set more fragile.

Median house
$420K
House median, latest period
0.0%YoY D2 vs AU
Median rent
$460/wk
Income-stretched rent market
5.0%YoY D10 vs AU
Gross yield
5.7%
Strong yield band
D10 vs AU
Population
31,950
32K via Kempsey LGA · SAL undercount
Schools
5
Matched school context
D10 vs AU
Solar
4,749
201 added 12mo · 30MW

Price history

HousesUnits

Houses to Q3'20 · Units to 2010 — house and unit medians are released on separate cycles, so their latest period can differ.

Trend & investor depth

Cycle positionAt its peak
Low · 2006Peak · 2024

At / near its all-time high

Price growth (compound)3-yr +7.6%/yr · 5-yr +9.9%/yr · 10-yr +9.1%/yr
Affordability trajectoryprice +9.4%/yr vs income +4.4%/yr — worsening — prices outgrowing incomes
Indicative cashflow-$49/wk (-$2,556/yr) · interest-only @ 6.1%, 80% LVR

Indicative cashflow is interest-only and excludes tax — use the calculator for a full projection.

Affordability

Buying
9.2x
median home price as a multiple of annual household income
Moderate
Renting
52%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $1,170/mo, while renters pay about $1,993/mo — renting runs $823/mo higher on these medians.

Median price
$420K
Household income · yr
$46K
Median rent · wk
$460
Owner mortgage · mo
$1,170
Gross yield
5.7%

Household income

$46K household · yr-44.3% vs NSW suburb median
Personal
$27K
Family
$64K
Household
$46K

Schools

Total5
Avg ICSEA858
Students1,706
Government4
Independent1
  • Kempsey East Public SchoolPrimary · Government · ICSEA 875
  • Kempsey South Public SchoolPrimary · Government · ICSEA 767
  • Kempsey High SchoolSecondary · Government · ICSEA 848
  • Melville High SchoolSecondary · Government · ICSEA 849
  • Kempsey Adventist SchoolCombined · Independent · ICSEA 953
Crime January 2025 - December 2025
2,282
7,255 per 100k
D8 vs AU

Crime

Rate · per 100k7,255
Total incidents2,282· January 2025 - December 2025
  • Assault58354%
  • Sexual Offences13112%
  • Robbery81%
  • Break And Enter34833%

Full data detail

Kempsey NSW — Property Data and Demographics

Located in New South Wales within the Kempsey local government area, Kempsey is a sparsely populated locality (postcode 2440). With a population of 483, the suburb has an established demographic with a median age of 43. Households earn a median income of $46K per year, with an average household size of 2 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +0.4% year-on-year at the LGA level. NSW employment has moved +0.3% year-on-year in the official Jobs and Skills Australia NERO series, which provides the broader jobs backdrop for this suburb. NSW also had 37 Commonwealth-backed major projects under construction, 5 underway, and 75 in planning as at 2 October 2024, which is useful as a broader delivery backdrop rather than a suburb-specific project count. The most common occupations are community & personal service, labourers, technicians & trades. Employment in the area leans toward healthcare and accommodation & food. The top ancestries reported are English, Australian, Aboriginal Australian.

Median house prices in Kempsey sit at $420,000, little changed on a year ago. Units have a median price of $943,000. The current median weekly rent is $460. This gives a gross rental yield of approximately 5.7%. The median monthly mortgage repayment is $1,170.

Kempsey is served by 5 schools, including 2 primary, 2 secondary, 1 combined. The average ICSEA score is 858, which is well below the national average of 1,000. Public transport access includes 1 rail station, 12 bus stops. The crime rate in the Kempsey LGA is moderate at 7,255 incidents per 100,000 population.

Looking at the investment signals, Kempsey shows a gross rental yield of approximately 5.7%, rated as high yield. Property prices sit below the state median ($420K/$1.5M), which can point to relative value. The price-to-income ratio of 9.2x is considered moderate. House prices have moved +0.0% year-on-year. Population growth of +0.4% 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 Yield5.7% High Yield
Price vs State$420K/$1.5M Below Median
Affordability9.2x· Moderate
Price Momentum+0.0%· Stable
Pop. Growth+0.4%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,170
Rent · wk(Census)$253
Market rent · wk(2026-04)$460
Gross yield3.1%
Price / income9.2x
Sales vol (latest Q)(2020-Q3)7
Population growth · Kempsey LGAABS ERP
Population (2025)31,950
5-year growth+0.9% CAGR
YoY change+0.4%
20012025
Development · Kempsey LGAABS Approvals
Approvals (2026)80
Houses59
Units21
YoY change+0%
Employment · Kempsey LGASALM
Unemployment (Dec-25)5.9%
YoY change+0.8pp
Dec-10Dec-25
Property investors · Postcode 2440ATO
Negatively geared496 (4.4% of filers)
Avg rental loss$6,003/yr
Landlords (rental income)1,320
Reported capital gains620
People & prosperity
DemographicsCensus 21
Population483
Median age43
Household size2
HH income · wk$881
Personal income · wk$519
Persons / bedroom0.9
IncomeATO 22-23
Median income$45,499
Mean income$51,473
Earners7,763
YoY change+7%
SEIFA indexABS
Advantage (IRSAD)1/10
Education (IEO)1/10
Economic (IER)1/10
Disadvantage (IRSD)1/10
Area & amenity
Local amenitiesOSM
Supermarkets5
Pharmacies1
GP / clinics0
Fuel stations6
Cafes & dining15
aldi1
coles1
iga1
woolworths1
TransportGTFS
Rail stations1
Bus stops12
Kempsey Station, Coach Stop
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Current status
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Sources & freshness
Strong evidence

Kempsey 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 using a state market dataset when available.

Use current rent as a starting signal, not as a fixed underwriting truth.

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-Q3 · 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
NSW Fair Trading · 2026-04 · State market dataset
stable source · automated · every update · monthly
Available
Crime
BOCSAR · January 2025 - December 2025 · Area-level release dataset
medium stability · automated · every update · release-based
Available
Schools
ACARA 2025 · 5 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 · 13 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.

Kempsey FAQ

Common questions
  1. What LGA is Kempsey in?

    Kempsey is in the Kempsey Local Government Area, NSW, postcode 2440. Council-level context for Kempsey LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Kempsey?

    The current median house price in Kempsey, NSW is $420K, 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 Kempsey?

    The median weekly rent in Kempsey is $460/wk, based on the current market rent dataset. The current rent signal is income-stretched rent market.

  4. What does the rent signal say about Kempsey?

    Income-stretched rent market: Weekly rent screens at about 53% of annual income. Use this as a suburb screening signal before comparing candidates or modelling a purchase; the matching rent ranking can provide broader market context.

  5. Is Kempsey a good investment?

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

  6. Where does QuickProperty get its data for Kempsey?

    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.

  7. How often is the Kempsey 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.