What does Most Affordable Suburbs (Mortgage) rank?

Most Affordable Suburbs (Mortgage) ranks suburbs in NSW using QuickProperty's processed property and locality datasets. Top 50 suburbs by lowest share of median household income needed to service a new mortgage

How should I use this ranking for property research?

Use the ranking as a screening step for NSW. Save realistic suburbs to your shortlist, compare the strongest two or three, then use suburb detail pages or the calculator to test the final candidate.

Does the top ranked suburb mean it is the best choice?

No. Rankings are a shortlist input, not a final recommendation. Check price history, rent, income, population, local services, source freshness, and current listings before making a decision.

How current is the ranking data?

QuickProperty uses processed public-source datasets and refreshes automated sources where available. Use the suburb detail page source panels to see which signals are current, estimated, or missing for a specific suburb.

← Most Affordable Suburbs (Mortgage)

Ranking · NSW · 50 suburbs

Most Affordable Suburbs (Mortgage) — NSW

Top 50 suburbs by lowest share of median household income needed to service a new mortgage in NSW.

Leading suburb

North Arm CoveNSW

Leading value

Runner-up

WilcanniaNSW

Updated

12 July 2026

Ranking

Most Affordable Suburbs (Mortgage)

Top 50 suburbs by lowest share of median household income needed to service a new mortgage — NSW

50 results

All NSW VIC QLD WA SA TAS ACT NT

How to read this ranking

Use most affordable suburbs (mortgage) to find cheaper entry points before checking whether they are actually usable.

BEST FOR

Finding lower-cost suburbs quickly.

This list is useful when price is the first constraint and you want a fast screen in NSW.

READ IT AS

Cheap does not automatically mean attractive.

Low prices can reflect weaker demand, thin markets, low incomes, remote location, or missing amenity coverage. Treat this as a first filter only.

NEXT STEP

Check rents, incomes, and basics before shortlisting.

Open the suburb pages or compare tool next so you can see whether a cheap suburb is simply low priced or genuinely competitive.

AVAILABLE evidence

Direct market-data ranking

This list is strongest as a market screen. Use suburb detail to verify rent, services, population, and local context.

CHEAP ENTRY

Top candidates are affordability-first ideas.

Use compare to separate genuinely usable cheap suburbs from places that are cheap because evidence or services are weak.

Shortlist flow

Use #1 North Arm Cove and #2 Wilcannia as the first compare pair.

Rankings are strongest when they hand you a shortlist quickly. Compare the top two first, then open suburb detail if the head-to-head result still feels narrow.

Compare top 2Open #1 detail Open #2 detail

Distribution

50 suburbs · midpoint ≈ 28%

Leader: North Arm Cove · 5%

# ▲	SUBURB	STATE	% OF INCOME	PRICE/INCOME	POP
1	North Arm Cove	NSW	5%	0.8x	552
2	Wilcannia	NSW	10%	1.7x	735
3	Collarenebri	NSW	11%	1.9x	634
4	Brewarrina	NSW	14%	2.4x	931
5	Whitton	NSW	16%	2.7x	523
6	Bourke	NSW	16%	2.7x	1,699
7	Boggabilla	NSW	16%	2.8x	1,022
8	Coonamble	NSW	19%	3.3x	2,666
9	Cobar	NSW	20%	3.4x	3,603
10	Trangie	NSW	20%	3.5x	1,073
11	Coleambally	NSW	21%	3.6x	1,152
12	Menindee	NSW	22%	3.7x	537
13	Gilgandra	NSW	22%	3.7x	2,983
14	Warren	NSW	22%	3.8x	1,272
15	Gulargambone	NSW	23%	3.8x	528
16	Moree	NSW	23%	3.9x	8,962
17	Broken Hill	NSW	23%	3.9x	17,706
18	Lake Cargelligo	NSW	24%	4.0x	1,430
19	Ashford	NSW	24%	4.0x	659
20	Wyalong	NSW	24%	4.1x	620
21	Jerilderie	NSW	24%	4.1x	922
22	Binnaway	NSW	25%	4.2x	658
23	Walgett	NSW	25%	4.3x	1,824
24	Hay	NSW	27%	4.5x	2,300
25	Boggabri	NSW	27%	4.7x	1,203
26	Trundle	NSW	28%	4.7x	568
27	Tingha	NSW	28%	4.7x	774
28	Bilbul	NSW	28%	4.7x	586
29	Wee Waa	NSW	28%	4.8x	2,034
30	Warialda	NSW	28%	4.8x	1,480
31	Delungra	NSW	28%	4.8x	625
32	Hillston	NSW	29%	4.9x	1,547
33	Eugowra	NSW	29%	4.9x	862
34	Baradine	NSW	29%	5.0x	783
35	Gol Gol	NSW	29%	5.0x	1,956
36	Euston	NSW	30%	5.0x	822
37	Balranald	NSW	30%	5.1x	1,240
38	Curlewis	NSW	31%	5.2x	779
39	Cargo	NSW	31%	5.2x	562
40	Attunga	NSW	32%	5.5x	542
41	Condobolin	NSW	32%	5.5x	3,185
42	Wongarbon	NSW	33%	5.5x	814
43	South Gundagai	NSW	33%	5.6x	781
44	Yanco	NSW	33%	5.7x	744
45	Ganmain	NSW	34%	5.7x	793
46	Emmaville	NSW	34%	5.8x	505
47	North Wagga Wagga	NSW	34%	5.8x	679
48	Peak Hill	NSW	34%	5.8x	1,162
49	Yenda	NSW	34%	5.8x	1,564
50	Captains Flat	NSW	34%	5.8x	611

FAQ

Australian most affordable suburbs (mortgage) FAQ

What does Most Affordable Suburbs (Mortgage) rank?

Most Affordable Suburbs (Mortgage) ranks suburbs in NSW using QuickProperty's processed property and locality datasets. Top 50 suburbs by lowest share of median household income needed to service a new mortgage
How should I use this ranking for property research?

Use the ranking as a screening step for NSW. Save realistic suburbs to your shortlist, compare the strongest two or three, then use suburb detail pages or the calculator to test the final candidate.
Does the top ranked suburb mean it is the best choice?

No. Rankings are a shortlist input, not a final recommendation. Check price history, rent, income, population, local services, source freshness, and current listings before making a decision.
How current is the ranking data?

QuickProperty uses processed public-source datasets and refreshes automated sources where available. Use the suburb detail page source panels to see which signals are current, estimated, or missing for a specific suburb.