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Suburb profile ·Kempsey LGA · NSW ·2440

Smithtown NSW 2440

Smithtown is in Kempsey LGA, NSW, postcode 2440, with population 625.

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.

$485/wk
Rising
+11.5% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2440 · Jun 2026
$500
$420
Jun 2025Jun 2026
Why it fits

Gross yield screens at about 5.7%. Entry price sits in the lower-cost range for a first-pass screen. Transport coverage adds a practical access signal.

What to check

Small local population makes the signal set more fragile.

Median house
$440K
House median, latest period
7.4%YoY D2 vs AU
Median rent
$485/wk
Rent-led investor candidate
11.5%YoY D10 vs AU
Gross yield
5.7%
Strong yield band
D10 vs AU
Population
625
625 local footprint
D7 vs AU
Schools
1
Matched school context
D1 vs AU
Drive to city
Not in commute dataset
Solar
4,782
221 added 12mo · 31MW
Price cycleRising
LowPeak

7.4% below peak · 137.8% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionRising
Low · 2012Peak · 2024

7.4% below peak · 137.8% above its low

Price growth (compound)% per year
3-yr
-1.5%
5-yr
+6.6%
10-yr
+7.2%
Indicative cashflow-$69/wk (-$3,613/yr) · interest-only @ 6.4%, 80% LVR
Market turnover9.2% of homes traded/yr (24 sales · +1% vs 3-yr avg)
Rent stabilitytypical — rents vary ±3.8% around trend (short window, 13 pts)
Value vs advantage-29% vs suburbs of similar SEIFA advantage (decile 2)

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

Agrade · 86/100 · top 14% of 3,604AU suburbs
Peer distributionstronger than 86% of AU suburbs
WeakerTypicalStronger
Capital growth45
Rental yield96
Stability51
Volatility-15.3ppCycle+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 Smithtown

Owner-occupied 82%Rented 18%
Investor activityATO
Negatively geared4.4%
496 of 1,320 landlords
Avg rental loss$6,003/yr
Landlords (rental income)1,320
Reported capital gains620
Investor exposure index(moderate vs national)64.6/100
The read

Owner-occupier stronghold

74% of homes here are owner-occupied and 17% rented, with 4% of landlords negatively geared.

Why it fits

74% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

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

Mortgage affordability

42%
of household income to service a new loan
9.6 yrs
to save a 20% deposit
Stretched
housing-stress band
Rent vs buyRoughly even

New-loan repayment $2,156/mo vs median rent $2,102/mo (+3% · +$13/wk)

If rates move

At 4.2%: $1,721/mo (-435) · at 6.2% (current): $2,156/mo · at 8.2%: $2,632/mo (+476)

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
7.2x
median home price as a multiple of annual household income
Moderate
Renting
41%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $1,244/mo, while renters pay about $2,102/mo — renting runs $858/mo higher on these medians.

Median price
$440K
Household income · yr
$61K
Median rent · wk
$485
Owner mortgage · mo
$1,244
Gross yield
5.7%

Household income

$61K household · yr-25.6% vs NSW suburb median
Personal
$34K
Family
$73K
Household
$61K
Household income distribution (ABS Census 2021 · weekly)35% could service the median house
Under $300
3
$300-649
43
$650-999
35
$1,000-1,499
50
$1,500-1,999
30
$2,000-2,999
38
$3,000-3,999
14
$4,000+
6

Serviceability line: a household needs about $1,658/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 64% of households here would spend more than 30% of income on rent (rent stress line: $1,617/wk income).

Housing stock and tenure

Tenure (240 households)
Owned outright
40%
Owned with mortgage
35%
Rented
17%
Dwelling structure8.3% of dwellings unoccupied on census night
Separate house
100%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 79% drive, 0% public transport, 11% walk or cycle, 5% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total1
Avg ICSEA885
Students54
Government1
  • Smithtown Public SchoolPrimary · Government · ICSEA 885

Livability

23/ 100 livability index

Top 77% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 23% of Australian suburbs
WeakerTypicalStronger
Everyday access0
Public transport (6 stops)25
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
2,316
7,302 per 100k
D8 vs AU

Crime

Rate · per 100k7,302
Total incidents2,316· April 2025 - March 2026
  • Assault58455%
  • Sexual Offences12111%
  • Robbery81%
  • Break And Enter34533%

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

No mapped bushfire exposure

About 0.0% 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

No mapped exposure ~0.0%
~0.0% 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 78% Public / Open space 14% Industrial 5%

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

9,515 people · 20229,868 by 2032 (+3.7%)

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

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

Located in New South Wales within the Kempsey local government area, Smithtown is a small community (postcode 2440). It is home to about 625 residents, with an established family demographic and a median age of 43. Households earn a median income of $61K 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 +0.4% 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 labourers, community & personal service, technicians & trades. Employment in the area leans toward healthcare and manufacturing. The top ancestries reported are English, Australian, Irish.

Smithtown has a median house price of $440,000, which has fallen by 7.4% year-on-year. The current median weekly rent is $485. This gives a gross rental yield of approximately 5.7%. The median monthly mortgage repayment is $1,244.

Smithtown is served by 1 school, including 1 primary. The average ICSEA score is 885, which is well below the national average of 1,000. Public transport access includes 6 bus stops. The crime rate in the Kempsey LGA is moderate at 7,302 incidents per 100,000 population.

Looking at the investment signals, Gross rental yield sits at around 5.7% (high yield). Property prices sit below the state median ($440K/$1.5M), which can point to relative value. The price-to-income ratio of 7.2x is considered moderate. House prices have moved -7.4% 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$440K/$1.5M Below Median
Affordability7.2x· Moderate
Price Momentum-7.4% Falling
Pop. Growth+0.4%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,244
Rent · wk(Census)$320
Market rent · wk(2026-06)$485
Gross yield3.8%
Price / income7.2x
Sales vol (latest Q)(2025-Q4)5
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)98
Houses 72%Units 28%
YoY change+0%
Employment · Kempsey LGASALM
Unemployment (Dec-25)5.9%
YoY change+0.8pp
Dec-10Dec-25
Property investors · Postcode 2440ATO
Negatively geared4.4%
496 of filers
Avg rental loss$6,003/yr
Landlords (rental income)1,320
Reported capital gains620
People & prosperity
DemographicsCensus 21
Population625
Median age43
Household size2.4
HH income · wk$1,178
Personal income · wk$662
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)2/10
Education (IEO)1/10
Economic (IER)2/10
Disadvantage (IRSD)1/10
Income momentumCensus 16→21
HH income · wk$953 → $1,178
Change+23.6%
vs NSW median+3 pp
Median rent+23.1%
stablevs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops6
Hospitals · Kempsey LGAAIHW
Public1
Private0
Kempsey District Hospitalpublic
Aged care · Kempsey LGAGEN
Facilities6
Residential places548
Macleay Valley House172 places
Vincent Court88 places
Bupa Kempsey82 places
Calvary The Mariner80 places
Cedar Place Aged Care Facility66 places
Booroongen Djugun Limited60 places
Childcare · Kempsey LGAACECQA
Services22
Approved places1,006
Exceeding NQS4
Kempsey Preschool Long Day Care Centre120 places
Goodstart Early Learning West Kempsey76 places
Little Adventures Early Learning76 places
Saint Joseph's After School and Vacation Care60 places
Dalaigur Pre-School & Children's Services59 places
Active OOSH Kempsey West56 places
+16 more in Kempsey LGA
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Current status
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Sources & freshness
Strong evidence

Smithtown 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-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
NSW Fair Trading · 2026-06 · 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 · 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 · 6 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.

Smithtown FAQ

Common questions
  1. What LGA is Smithtown in?

    Smithtown 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 Smithtown?

    The current median house price in Smithtown, NSW is $440K, 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 Smithtown?

    The median weekly rent in Smithtown is $485/wk, based on the current market rent dataset. The current rent signal is rent-led investor candidate.

  4. What does the rent signal say about Smithtown?

    Rent-led investor candidate: Gross rent yield screens at about 5.7%. 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 Smithtown a good investment?

    QuickProperty's investment signals for Smithtown 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 Smithtown?

    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 Smithtown 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.