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Suburb profile ·Kempsey LGA · NSW ·2440

Kempsey NSW 2440

Kempsey is in Kempsey LGA, NSW, postcode 2440, with population 483.

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 6.0%. Entry price sits in the lower-cost range for a first-pass screen. School coverage gives the page a stronger family/livability signal.

What to check

Small local population makes the signal set more fragile.

Median house
$420K
House median, latest period
0.0%YoY D2 vs AU
Median rent
$485/wk
Income-stretched rent market
11.5%YoY D10 vs AU
Gross yield
6.0%
Strong yield band
D10 vs AU
Population
31,950
32K via Kempsey LGA · SAL undercount
Schools
5
Matched school context
D10 vs AU
Drive to city
Not in commute dataset
Solar
4,782
221 added 12mo · 31MW
Price cycleAt its peak
LowPeak

At / near its all-time high

See trend depth →

Price history

Houses to Q3'20 · 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 · 2006Peak · 2024

At / near its all-time high

Price growth (compound)% per year
3-yr
+7.6%
5-yr
+9.9%
10-yr
+9.1%
Affordability trajectoryWorsening
Price
+9.4%/yr
Income
+4.4%/yr

Growth in median price vs median household income — worsening — prices outgrowing incomes.

Indicative cashflow-$50/wk (-$2,589/yr) · interest-only @ 6.4%, 80% LVR
Market turnover9.5% of homes traded/yr (23 sales)
Rent stabilitytypical — rents vary ±3.8% around trend (short window, 13 pts)
Value vs advantage-24% 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 Kempsey

Owner-occupied 46%Rented 54%
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(high vs national)94.5/100
The read

High-yield rental market

45% of homes here are owner-occupied and 52% rented, with 4% of landlords negatively geared.

Why it fits

Gross yield 6.0% is strong — the case here leans on rental cash flow.

What to check

52% rented — renter-heavy areas turn over faster and are more exposed to rate moves and investor sentiment.

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

Mortgage affordability

54%
of household income to service a new loan
12.2 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRoughly even

New-loan repayment $2,058/mo vs median rent $2,102/mo (-2% · -$10/wk)

If rates move

At 4.2%: $1,643/mo (-415) · at 6.2% (current): $2,058/mo · at 8.2%: $2,512/mo (+455)

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
9.2x
median home price as a multiple of annual household income
Moderate
Renting
55%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $1,170/mo, while renters pay about $2,102/mo — renting runs $932/mo higher on these medians.

Median price
$420K
Household income · yr
$46K
Median rent · wk
$485
Owner mortgage · mo
$1,170
Gross yield
6.0%

Household income

$46K household · yr-44.3% vs NSW suburb median
Personal
$27K
Family
$64K
Household
$46K
Household income distribution (ABS Census 2021 · weekly)23% could service the median house
Under $300
10
$300-649
60
$650-999
37
$1,000-1,499
37
$1,500-1,999
23
$2,000-2,999
15
$3,000-3,999
4
$4,000+
5

Serviceability line: a household needs about $1,583/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 78% of households here would spend more than 30% of income on rent (rent stress line: $1,617/wk income).

Median taxable income trend (ATO, 2018-19 – 2022-23)$38K → $45K

Housing stock and tenure

Tenure (200 households)
Owned outright
30%
Owned with mortgage
16%
Rented
52%
Dwelling structure11.1% of dwellings unoccupied on census night
Separate house
68%
Townhouse / semi
5%
Flat / apartment
16%

Getting to work: 71% drive, 0% public transport, 19% walk or cycle, 5% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total5
Avg ICSEA858
Students1,706
Government4
Independent1
  • Kempsey East Public SchoolPrimary · Government · ICSEA 875
  • Kempsey South Public SchoolPrimary · Government · ICSEA 767
  • Kempsey High SchoolSecondary · Government · ICSEA 848
  • Melville High SchoolSecondary · Government · ICSEA 849
  • Kempsey Adventist SchoolCombined · Independent · ICSEA 953
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

Low broad-area context

About 2.3% 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

Low exposure ~2.3%
~2.3% of the suburb is Bush Fire Prone Land · ~1.2% 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.

Planning zones

Dominant zone Primary Production
Rural / Green wedge 50% Public / Open space 36% Other 5% Commercial / Mixed 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

16,044 people · 202219,400 by 2032 (+20.9%)

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

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

Located in New South Wales within the Kempsey local government area, Kempsey is a sparsely populated locality (postcode 2440). With a population of 483, the suburb has an established demographic with a median age of 43. Households earn a median income of $46K per year, with an average household size of 2 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 community & personal service, labourers, technicians & trades. Employment in the area leans toward healthcare and accommodation & food. The top ancestries reported are English, Australian, Aboriginal Australian.

Median house prices in Kempsey sit at $420,000, little changed on a year ago. Units have a median price of $225,000. The current median weekly rent is $485. This gives a gross rental yield of approximately 6.0%. The median monthly mortgage repayment is $1,170.

Kempsey is served by 5 schools, including 2 primary, 2 secondary, 1 combined. The average ICSEA score is 858, which is well below the national average of 1,000. Public transport access includes 1 rail station, 12 bus stops. The crime rate in the Kempsey LGA is moderate at 7,302 incidents per 100,000 population.

Looking at the investment signals, Kempsey shows a gross rental yield of approximately 6.0%, rated as high yield. Property prices sit below the state median ($420K/$1.5M), which can point to relative value. The price-to-income ratio of 9.2x is considered moderate. House prices have moved +0.0% 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 Yield6.0% High Yield
Price vs State$420K/$1.5M Below Median
Affordability9.2x· Moderate
Price Momentum+0.0%· Stable
Pop. Growth+0.4%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,170
Rent · wk(Census)$253
Market rent · wk(2026-06)$485
Gross yield3.1%
Price / income9.2x
Sales vol (latest Q)(2020-Q3)7
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
Population483
Median age43
Household size2
HH income · wk$881
Personal income · wk$519
Persons / bedroom0.9
IncomeATO 22-23
Median income$45,499
Mean income$51,473
Earners7,763
YoY change+7%
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$712 → $881
Change+23.7%
vs NSW median+3.1 pp
Median rent+18.8%
stablevs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets5
Pharmacies1
GP / clinics0
Fuel stations6
Cafes & dining15
aldi1
coles1
iga1
woolworths1
TransportGTFS
Rail stations1
Bus stops12
Kempsey Station, Coach Stop
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 · in suburb
Goodstart Early Learning West Kempsey76 places · in suburb
Little Adventures Early Learning76 places · in suburb
Saint Joseph's After School and Vacation Care60 places
Dalaigur Pre-School & Children's Services59 places · in suburb
Active OOSH Kempsey West56 places
+16 more in Kempsey LGA
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Current status
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Sources & freshness
Strong evidence

Kempsey 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 · 2020-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 · 2026-06 · 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 · 5 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 · 13 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.

Kempsey FAQ

Common questions
  1. What LGA is Kempsey in?

    Kempsey 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 Kempsey?

    The current median house price in Kempsey, NSW is $420K, 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 Kempsey?

    The median weekly rent in Kempsey is $485/wk, based on the current market rent dataset. The current rent signal is income-stretched rent market.

  4. What does the rent signal say about Kempsey?

    Income-stretched rent market: Weekly rent screens at about 55% of annual income. 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 Kempsey a good investment?

    QuickProperty's investment signals for Kempsey 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 Kempsey?

    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 Kempsey 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.