Smiths Lake NSW

Postcode 2428 · Mid-Coast LGA

Smiths Lake is a small community in New South Wales within the Mid-Coast local government area (postcode 2428). With a population of 1,332, the suburb has a mature demographic with a median age of 49. Households earn a median income of $63K per year, with an average household size of 2.3 people. The most common occupations are professionals, technicians & trades, community & personal service. The top ancestries reported are English, Australian, Irish.

The median house price in Smiths Lake is $726,000, having dropped significantly 12.1% over the past year. Units have a median price of $465,000 (+6.2% YoY). The current median weekly rent is $500. This gives a gross rental yield of approximately 3.6%. The median monthly mortgage repayment is $1,473.

Public transport access includes 29 bus stops. The crime rate in the Mid-Coast LGA is below average at 3,753 incidents per 100,000 population.

From an investment perspective, Smiths Lake offers a gross rental yield of 3.6%, rated as moderate yield. Property prices sit below the state median ($726K/$1.5M), suggesting a potential value opportunity. The price-to-income ratio of 11.5x is considered stretched. House prices have moved -12.1% year-on-year.

INVESTMENT SIGNALS
Rental Yield3.6% Moderate Yield
Price vs State$726K/$1.5M Below Median
Affordability11.5x Stretched
Price Momentum-12.1% Falling
SEIFA INDEX (ABS)
Advantage4/10
Education4/10
Economic5/10
Disadvantage4/10
MEDIAN HOUSE
$726K
-12.1% YoY
MEDIAN UNIT
$465K
6.2% YoY
MEDIAN RENT /WK
$380
POPULATION
1,332
DEMOGRAPHICS
Median Age49
Household Size2.3
HH Income /wk$1,210
Personal Income /wk$615
Mortgage /mth$1,473
CRIME (Mid-Coast LGA)
Crime Rate (per 100k)3,753
Total Incidents3,700
TRANSPORT
Bus Stops29
Data: 2026