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Suburb profile ·Maitland LGA · NSW ·2320

South Maitland NSW 2320

South Maitland is in Maitland LGA, NSW, postcode 2320, with population 432.

The read

Growth-momentum

There are enough stretched or weaker signals here that you should assume trade-offs rather than a clean story. Use compare mode to see whether the downside is price, local quality, or weaker momentum before treating it as a target suburb.

$630/wk
Rising
+3.3% YoY
Mar 2025 → May 2026 · 15 periods
NSW Fair Trading · postcode 2320 · May 2026
$630
$600
Mar 2025May 2026
Why it fits

Gross yield screens at about 5.6%. Entry price sits in the lower-cost range for a first-pass screen. Population movement supports a growth-led read.

What to check

Small local population makes the signal set more fragile.

Median house
$590K
House median, latest period
5.2%YoY D3 vs AU
Median rent
$630/wk
Rent-led investor candidate
3.3%YoY D10 vs AU
Gross yield
5.6%
Strong yield band
D10 vs AU
Population
100,439
100K via Maitland LGA · SAL undercount
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
8,247
599 added 12mo · 69MW
Price cycleCorrecting
LowPeak

49.1% below peak · 345.3% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionCorrecting
Low · 2005Peak · 2023

49.1% below peak · 345.3% above its low

Price growth (compound)% per year
3-yr
+4.8%
5-yr
+14.6%
10-yr
+9.5%
Indicative cashflow-$90/wk (-$4,694/yr) · interest-only @ 6.2%, 80% LVR
Market turnover12.1% of homes traded/yr (25 sales)
Rent stabilitystable — rents vary ±1.5% around trend (short window, 15 pts)
Value vs advantage+6% 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).

Investor profile

Who invests in South Maitland

Owner-occupied 67%Rented 33%
Investor activityATO
Negatively geared5.5%
1,294 of 2,414 landlords
Avg rental loss$8,555/yr
Landlords (rental income)2,414
Reported capital gains1,531
Investor exposure index(high vs national)90.2/100
The read

Mixed owner-renter market

64% of homes here are owner-occupied and 32% rented, with 6% of landlords negatively geared.

Why it fits

A balanced 64% owner-occupier / 32% renter mix.

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

Mortgage affordability

66%
of household income to service a new loan
15.2 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRoughly even

New-loan repayment $2,830/mo vs median rent $2,730/mo (+4% · +$23/wk)

If rates move

At 4.0%: $2,253/mo (-576) · at 6.0% (current): $2,830/mo · at 8.0%: $3,463/mo (+633)

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
11.4x
median home price as a multiple of annual household income
Stretched
Renting
63%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $1,300/mo, while renters pay about $2,730/mo — renting runs $1,430/mo higher on these medians.

Median price
$590K
Household income · yr
$52K
Median rent · wk
$630
Owner mortgage · mo
$1,300
Gross yield
5.6%

Household income

$52K household · yr-37.1% vs NSW suburb median
Personal
$29K
Family
$75K
Household
$52K
Household income distribution (ABS Census 2021 · weekly)18% could service the median house
Under $300
16
$300-649
43
$650-999
38
$1,000-1,499
36
$1,500-1,999
24
$2,000-2,999
22
$3,000-3,999
12
$4,000+
7

Serviceability line: a household needs about $2,177/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 81% of households here would spend more than 30% of income on rent (rent stress line: $2,100/wk income).

Housing stock and tenure

Tenure (197 households)
Owned outright
36%
Owned with mortgage
28%
Rented
32%
Dwelling structure5.3% of dwellings unoccupied on census night
Separate house
69%
Townhouse / semi
10%
Flat / apartment
0%

Getting to work: 81% drive, 0% public transport, 2% walk or cycle, 12% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
4,187
4,266 per 100k
D6 vs AU

Crime

Rate · per 100k4,266
Total incidents4,187· April 2025 - March 2026
  • Assault1,10658%
  • Sexual Offences36119%
  • Robbery171%
  • Break And Enter42822%

Bushfire exposure

High exposure ~68.3%
~68.3% 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 86% Public / Open space 11% Other 4%

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

9,146 people · 202213,476 by 2032 (+47.3%)

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

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

South Maitland is a sparsely populated locality in New South Wales within the Maitland local government area (postcode 2320). The area has roughly 432 residents and an established demographic, with a median age of 44. Households earn a median income of $52K per year, with an average household size of 2.1 people. Recent annual estimates show population movement into the broader catchment, with population growth running at +2.2% 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 technicians & trades, community & personal service, labourers. Employment in the area leans toward healthcare and manufacturing. The top ancestries reported are English, Australian, Scottish.

Median house prices in South Maitland stand at $590,000, having fallen by 5.2% over the last twelve months. The current median weekly rent is $630. This gives a gross rental yield of approximately 5.6%. The median monthly mortgage repayment is $1,300.

Public transport access includes 7 bus stops. The crime rate in the Maitland LGA is moderate at 4,266 incidents per 100,000 population.

Looking at the investment signals, The gross rental yield works out to roughly 5.6%, which reads as high yield. Property prices sit below the state median ($590K/$1.5M), which can point to relative value. The price-to-income ratio of 11.4x is considered stretched. House prices have moved -5.2% year-on-year. Population growth of +2.2% year-on-year points to strong growth demand fundamentals. Building approvals have changed +0% year-on-year, indicating steady development activity.

Market & money
Investment signalsHeuristics
Rental Yield5.6% High Yield
Price vs State$590K/$1.5M Below Median
Affordability11.4x Stretched
Price Momentum-5.2% Falling
Pop. Growth+2.2% Strong Growth
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,300
Rent · wk(Census)$280
Market rent · wk(2026-05)$630
Gross yield2.5%
Price / income11.4x
Sales vol (latest Q)(2021-Q4)6
Population growth · Maitland LGAABS ERP
Population (2025)100,439
5-year growth+2.7% CAGR
YoY change+2.2%
20012025
Development · Maitland LGAABS Approvals
Approvals (2026)1,009
Houses 51%Units 49%
YoY change+0%
Employment · Maitland LGASALM
Unemployment (Dec-25)3.7%
YoY change+0.1pp
Dec-10Dec-25
Property investors · Postcode 2320ATO
Negatively geared5.5%
1,294 of filers
Avg rental loss$8,555/yr
Landlords (rental income)2,414
Reported capital gains1,531
People & prosperity
DemographicsCensus 21
Population432
Median age44
Household size2.1
HH income · wk$995
Personal income · wk$561
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)1/10
Education (IEO)2/10
Economic (IER)1/10
Disadvantage (IRSD)1/10
Income momentumCensus 16→21
HH income · wk$931 → $995
Change+6.9%
vs NSW median-13.7 pp
Median rent+40%
softeningvs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets0
Pharmacies0
GP / clinics0
Fuel stations1
Cafes & dining0
TransportGTFS
Bus stops7
Hospitals · Maitland LGAAIHW
Public1
Private1
Maitland Hospitalpublic
Maitland Private Hospitalprivate
Aged care · Maitland LGAGEN
Facilities7
Residential places724
Green Hills Residential Care Service168 places
Rutherford Park Care Community144 places
RFBI Benhome Masonic Village124 places
Estia Health Aberglasslyn118 places
Maitland Grange Care Community80 places
Whiddon Largs49 places
+1 more in Maitland LGA
Childcare · Maitland LGAACECQA
Services75
Approved places5,893
Exceeding NQS11
Tillys Play and Education Centre - Rutherford174 places
St Nicholas Early Education Gillieston Heights144 places
St Nicholas Early Education Lochinvar144 places
Thornton Before and After School Care and Vacation Care140 places
Rutherford Before and After School Care and Vacation Care135 places
St Nicholas Early Education Chisholm134 places
+69 more in Maitland LGA
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Sources & freshness
Strong evidence

South Maitland has 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 · 2021-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 · 2026-05 · 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 · No local school matches exposed
stable source · automated · every update · annual
Missing
Hospitals
AIHW · No linked local hospital coverage
medium stability · manual file · snapshot · mixed
Missing
Transport
GTFS feeds · 7 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.

South Maitland FAQ

Common questions
  1. What LGA is South Maitland in?

    South Maitland is in the Maitland Local Government Area, NSW, postcode 2320. Council-level context for Maitland LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in South Maitland?

    The current median house price in South Maitland, NSW is $590K, 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 South Maitland?

    The median weekly rent in South Maitland is $630/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 South Maitland?

    Rent-led investor candidate: Gross rent yield screens at about 5.6%. 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 South Maitland a good investment?

    QuickProperty's investment signals for South Maitland show: High 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 South Maitland?

    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 South Maitland 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.