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Suburb profile ·Penrith LGA · NSW ·2760

North St Marys NSW 2760

North St Marys is in Penrith LGA, NSW, postcode 2760, with population 4,123.

The read

Livability-led

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.

$590/wk
Rising
+9.3% YoY
Mar 2025 → May 2026 · 15 periods
NSW Fair Trading · postcode 2760 · May 2026
$592
$530
Mar 2025May 2026
Why it fits

Transport coverage adds a practical access signal.

What to check

Gross yield looks low for an income-first use case.

Median house
$1.0M
House median, latest period
1.0%YoY D6 vs AU
Median rent
$590/wk
Rent context available
9.3%YoY D10 vs AU
Gross yield
3.1%
Low yield band
D9 vs AU
Population
4,123
4K local footprint
D9 vs AU
Schools
2
Matched school context
D8 vs AU
Drive to city
43 min
48 km to Sydney CBD · free-flow
Transit to city
83 min
Public transport to Sydney CBD · weekday 8am
Solar
4,409
246 added 12mo · 33MW
Price cycleAt its peak
LowPeak

At / near its all-time high

See trend depth →

Price history

Houses to Q3'25 · Units to 2021 — house and unit medians are released on separate cycles, so their latest period can differ.

Trend & investor depth

Cycle positionAt its peak
Low · 2008Peak · 2026

At / near its all-time high

Price growth (compound)% per year
3-yr
+7.7%
5-yr
+6.9%
10-yr
+6.7%
Indicative cashflow-$511/wk (-$26,590/yr) · interest-only @ 6.2%, 80% LVR
Market turnover4.0% of homes traded/yr (61 sales · +24% vs 3-yr avg)
Rent stabilitystable — rents vary ±2.5% around trend (short window, 15 pts)
Value vs advantage+80% vs suburbs of similar SEIFA advantage (decile 1)

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).

Investment grade

Cgrade · 48/100 · top 52% of 3,605AU suburbs
Peer distributionstronger than 48% of AU suburbs
WeakerTypicalStronger
Capital growth34
Rental yield54
Stability61
Volatility-10.1ppCycle-2.0

Bar = this suburb's percentile · tick = typical (median) peer · stability drivers signed (+ = steadier)

Relative grade across Australian suburbs, combining qp's capital-growth (multi-year CAGR + cycle timing), rental-yield, and stability (price volatility + cycle + affordability) metrics via a three-pillar property-scoring method with an imbalance penalty. Within-Australia relative, indicative only — not financial advice.

Investor profile

Who invests in North St Marys

Owner-occupied 44%Rented 56%
Investor activityATO
Negatively geared5.9%
1,237 of 1,834 landlords
Avg rental loss$8,251/yr
Landlords (rental income)1,834
Reported capital gains677
Investor exposure index(moderate vs national)61.6/100
The read

Renter-heavy market

43% of homes here are owner-occupied and 54% rented, with 6% of landlords negatively geared.

What to check

54% rented — renter-heavy areas turn over faster and are more exposed to rate moves and investor sentiment. Gross yield 3.1% is thin for a rental-led market. Social housing is 16% of dwellings — check tenant mix and resale demand.

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

Mortgage affordability

88%
of household income to service a new loan
20.4 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $4,796/mo vs median rent $2,557/mo (+88% · +$517/wk)

If rates move

At 4.0%: $3,819/mo (-977) · at 6.0% (current): $4,796/mo · at 8.0%: $5,870/mo (+1,074)

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
15.3x
median home price as a multiple of annual household income
Stretched
Renting
47%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $1,800/mo, while renters pay about $2,557/mo — renting runs $757/mo higher on these medians.

Median price
$1.00M
Household income · yr
$65K
Median rent · wk
$590
Owner mortgage · mo
$1,800
Gross yield
3.1%

Household income

$65K household · yr-20.7% vs NSW suburb median
Personal
$31K
Family
$75K
Household
$65K
Household income distribution (ABS Census 2021 · weekly)5% could service the median house
Under $300
66
$300-649
208
$650-999
241
$1,000-1,499
238
$1,500-1,999
162
$2,000-2,999
196
$3,000-3,999
84
$4,000+
46

Serviceability line: a household needs about $3,690/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 73% of households here would spend more than 30% of income on rent (rent stress line: $1,967/wk income).

Housing stock and tenure

Tenure (1,333 households)16.2% social housing
Owned outright
21%
Owned with mortgage
22%
Rented
54%
Dwelling structure5.4% of dwellings unoccupied on census night
Separate house
97%
Townhouse / semi
2%
Flat / apartment
1%

Getting to work: 69% drive, 3% public transport, 2% walk or cycle, 19% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total2
Avg ICSEA872
Students931
Government2
  • St Marys North Public SchoolPrimary · Government · ICSEA 873Zoned
  • Chifley College Dunheved CampusSecondary · Government · ICSEA 870Zoned

2 of 2 schools here operate published enrolment zones (catchments). Zone boundaries set eligibility — check the official source for the exact catchment. Not enrolment advice.

Livability

62/ 100 livability index

Top 38% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 62% of Australian suburbs
WeakerTypicalStronger
Everyday access27
Public transport (35 stops)73
Schools & hospitals56

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
9,111
3,984 per 100k
D6 vs AU

Crime

Rate · per 100k3,984
Total incidents9,111· April 2025 - March 2026
  • Assault2,35561%
  • Sexual Offences70918%
  • Robbery812%
  • Break And Enter70518%

Bushfire exposure

Moderate exposure ~32.8%
~32.8% of the suburb is Bush Fire Prone Land · ~21.5% Category 1 (highest hazard)

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.

Short-term rentals

7
active listings · ~1.7 per 1,000 residents
57%
entire homes (vs private rooms)
100%
run by multi-listing operators

Active Airbnb listings point-mapped to this suburb from Inside Airbnb (CC BY 4.0). Occupancy and revenue are estimates from Inside Airbnb's San Francisco model (review-rate proxy, minimum-stay assumption, occupancy capped at 70%) — they are gross, indicative, and not a guarantee of returns. Short-stay letting is subject to state and local regulation.

Planning zones

Dominant zone Low Density Residential
Residential 41% Public / Open space 32% Industrial 18% Other 2%
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

17,678 people · 202220,239 by 2032 (+14.5%)

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

Full data detail Census · ATO · ABS · state datasets
North St Marys NSW — Property Data and Demographics

Located in New South Wales within the Penrith local government area, North St Marys is a smaller residential area (postcode 2760). With a population of 4,123, the suburb has a mix of young professionals and families with a median age of 35. Households earn a median income of $65K per year, with an average household size of 2.7 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +1.2% 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 machinery operators & drivers, labourers, clerical & administrative. Employment in the area leans toward healthcare and retail trade. The top ancestries reported are Australian, English, Aboriginal Australian.

Median house prices in North St Marys stand at $1.0 million, having risen modestly by 1% over the last twelve months. Units have a median price of $433,000 (-30.8% YoY). The current median weekly rent is $590. This gives a gross rental yield of approximately 3.1%. The median monthly mortgage repayment is $1,800.

North St Marys is served by 2 schools, including 1 primary, 1 secondary. The average ICSEA score is 872, which is well below the national average of 1,000. Public transport access includes 35 bus stops. The crime rate in the Penrith LGA is below average at 3,984 incidents per 100,000 population.

On the investment side, North St Marys shows a gross rental yield of approximately 3.1%, rated as moderate yield. Property prices sit below the state median ($1.0M/$1.5M), which can point to relative value. The price-to-income ratio of 15.3x is considered stretched. House prices have moved +1.0% year-on-year. Population growth of +1.2% 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$1.0M/$1.5M Below Median
Affordability15.3x Stretched
Price Momentum+1.0%· Stable
Pop. Growth+1.2%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,800
Rent · wk(Census)$340
Market rent · wk(2026-05)$590
Gross yield1.8%
Price / income15.3x
Sales vol (latest Q)(2025-Q3)18
Population growth · Penrith LGAABS ERP
Population (2025)231,701
5-year growth+1.3% CAGR
YoY change+1.2%
20012025
Development · Penrith LGAABS Approvals
Approvals (2026)1,378
Houses 37%Units 63%
YoY change+0%
Employment · Penrith LGASALM
Unemployment (Dec-25)3.7%
YoY change-0.4pp
Dec-10Dec-25
Property investors · Postcode 2760ATO
Negatively geared5.9%
1,237 of filers
Avg rental loss$8,251/yr
Landlords (rental income)1,834
Reported capital gains677
People & prosperity
DemographicsCensus 21
Population4,123
Median age35
Household size2.7
HH income · wk$1,255
Personal income · wk$597
Persons / bedroom0.9
SEIFA indexABS
Advantage (IRSAD)1/10
Education (IEO)1/10
Economic (IER)1/10
Disadvantage (IRSD)1/10
Income momentumCensus 16→21
HH income · wk$1,097 → $1,255
Change+14.4%
vs NSW median-6.2 pp
Median rent+8.6%
softeningvs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets0
Pharmacies0
GP / clinics0
Fuel stations2
Cafes & dining2
TransportGTFS
Bus stops35
Aged care · Penrith LGAGEN
Facilities13
Residential places1,270
Glenmore Park Care Community156 places
Boronia House130 places · in suburb
SummitCare St Marys130 places
The Royce Manor128 places
SummitCare Penrith115 places
Anglicare Newmarch House102 places
+7 more in Penrith LGA
Childcare · Penrith LGAACECQA
Services187
Approved places12,470
Exceeding NQS34
Jordan Springs OSHCLUB355 places
Go Bananas Early Learning Centres205 places
Bright Minds Academy167 places
Ambrose School Age Care, Bethany, Glenmore Park165 places
Glenmore Park Early Learning Centre160 places
Greenwood Penrith159 places
+181 more in Penrith LGA
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Current status
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Sources & freshness
Strong evidence

North St Marys 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 · 2025-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 · 2026-05 · State market dataset
stable source · automated · every update · monthly
Available
Crime
BOCSAR · April 2025 - March 2026 · Area-level release dataset
medium stability · automated · every update · release-based
Available
Schools
ACARA 2025 · 2 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 · 35 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.

North St Marys FAQ

Common questions
  1. What LGA is North St Marys in?

    North St Marys is in the Penrith Local Government Area, NSW, postcode 2760. Council-level context for Penrith LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in North St Marys?

    The current median house price in North St Marys, NSW is $1.0M, 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 North St Marys?

    The median weekly rent in North St Marys is $590/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about North St Marys?

    Rent context available: North St Marys has usable rent context. 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 North St Marys a good investment?

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

  6. Where does QuickProperty get its data for North St Marys?

    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 North St Marys 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.