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Suburb profile ·Uralla LGA · NSW ·2354

Kentucky NSW 2354

Kentucky is in Uralla LGA, NSW, postcode 2354, with population 179.

Limited data

Thin-context

The page is still useful for local context, but the evidence stack is too thin for a clean one-page call. Use nearby stronger suburbs or compare mode before treating it as a serious shortlist decision.

$420/wk
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2354 · Jun 2026 · sparse signal
$475
$260
Jun 2025Jun 2026
Why it fits

Gross yield screens at about 4.7%. Entry price sits in the lower-cost range for a first-pass screen. Recent price movement shows visible market momentum.

What to check

The page is thin enough that nearby alternatives should be checked before shortlisting. Small local population makes the signal set more fragile.

Median house
$460K
House median, latest period
55.9%YoY D2 vs AU
Median rent
$420/wk
Rent-led investor candidate
≈D9 vs AU
Gross yield
4.7%
Strong yield band
D10 vs AU
Population
6,179
6K via Uralla LGA · SAL undercount
Schools
1
Matched school context
D1 vs AU
Drive to city
Not in commute dataset
Solar
664
68 added 12mo · 4MW
Price cycleAt its peak
LowPeak

At / near its all-time high

See trend depth →

Price history

Trend & investor depth

Cycle positionAt its peak
Low · 2006Peak · 2024

At / near its all-time high

Price growth (compound)% per year
3-yr
+8.5%
5-yr
+23.4%
Indicative cashflow-$138/wk (-$7,172/yr) · interest-only @ 6.4%, 80% LVR
Value vs advantage-54% vs suburbs of similar SEIFA advantage (decile 6)

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 Kentucky

Owner-occupied 90%Rented 10%
Investor activityATO
Negatively geared4%
84 of 287 landlords
Avg rental loss$4,950/yr
Landlords (rental income)287
Reported capital gains233
The read

Owner-occupier stronghold

77% of homes here are owner-occupied and 9% rented, with 4% of landlords negatively geared.

Why it fits

77% 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

34%
of household income to service a new loan
7.7 yrs
to save a 20% deposit
Stretched
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $2,254/mo vs median rent $1,820/mo (+24% · +$100/wk)

If rates move

At 4.2%: $1,800/mo (-454) · at 6.2% (current): $2,254/mo · at 8.2%: $2,752/mo (+498)

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
5.8x
median home price as a multiple of annual household income
Affordable
Renting
27%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $1,629/mo, while renters pay about $1,820/mo — renting runs $191/mo higher on these medians.

Median price
$460K
Household income · yr
$80K
Median rent · wk
$420
Owner mortgage · mo
$1,629
Gross yield
4.7%

Household income

$80K household · yr-3.3% vs NSW suburb median
Personal
$35K
Family
$87K
Household
$80K
Household income distribution (ABS Census 2021 · weekly)26% could service the median house
Under $300
0
$300-649
10
$650-999
11
$1,000-1,499
20
$1,500-1,999
11
$2,000-2,999
5
$3,000-3,999
3
$4,000+
3

Serviceability line: a household needs about $1,734/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 59% of households here would spend more than 30% of income on rent (rent stress line: $1,400/wk income).

Housing stock and tenure

Tenure (69 households)
Owned outright
30%
Owned with mortgage
46%
Rented
9%
Dwelling structure5.5% of dwellings unoccupied on census night
Separate house
96%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 56% drive, 0% public transport, 4% walk or cycle, 31% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total1
Avg ICSEA1002
Students28
Government1
  • Kentucky Public SchoolPrimary · Government · ICSEA 1002
Crime April 2025 - March 2026
152
2,494 per 100k
D4 vs AU

Crime

Rate · per 100k2,494
Total incidents152· April 2025 - March 2026
  • Assault3647%
  • Sexual Offences1317%
  • Robbery11%
  • Break And Enter2634%

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

High broad-area context

About 59.4% 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

High exposure ~59.4%
~59.4% of the suburb is Bush Fire Prone Land · ~27.2% 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 100%

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

5,899 people · 20225,987 by 2032 (+1.5%)

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

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

Kentucky is a sparsely populated locality in New South Wales within the Uralla local government area (postcode 2354). It is home to about 179 residents, with a settled, mature resident base and a median age of 52. Households earn a median income of $80K per year, with an average household size of 2.5 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +1.0% 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 managers, professionals, labourers. Employment in the area leans toward agriculture and education. The top ancestries reported are English, Australian, Irish.

Kentucky has a median house price of $460,000, which has jumped by 55.9% year-on-year. The current median weekly rent is $420. This gives a gross rental yield of approximately 4.7%. The median monthly mortgage repayment is $1,629.

Kentucky is served by 1 school, including 1 primary. The average ICSEA score is 1002, which is around the national average of 1,000. Public transport access includes 18 bus stops. The crime rate in the Uralla LGA is below average at 2,494 incidents per 100,000 population.

From an investment perspective, Gross rental yield sits at around 4.7% (moderate yield). Property prices sit below the state median ($460K/$1.5M), which can point to relative value. The price-to-income ratio of 5.8x is considered affordable. House prices have moved +55.9% year-on-year. Population growth of +1.0% 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 Yield4.7%· Moderate Yield
Price vs State$460K/$1.5M Below Median
Affordability5.8x Affordable
Price Momentum+55.9% Rising
Pop. Growth+1.0%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,629
Rent · wk(Census)$120
Market rent · wk(2026-06)$420
Gross yield1.4%
Price / income5.8x
Population growth · Uralla LGAABS ERP
Population (2025)6,179
5-year growth+0.4% CAGR
YoY change+1%
20012025
Development · Uralla LGAABS Approvals
Approvals (2026)12
Houses 83%Units 17%
YoY change+0%
Employment · Uralla LGASALM
Unemployment (Dec-25)1.6%
YoY change+0pp
Dec-10Dec-25
Property investors · Postcode 2354ATO
Negatively geared4%
84 of filers
Avg rental loss$4,950/yr
Landlords (rental income)287
Reported capital gains233
People & prosperity
DemographicsCensus 21
Population179
Median age52
Household size2.5
HH income · wk$1,531
Personal income · wk$667
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)6/10
Education (IEO)8/10
Economic (IER)6/10
Disadvantage (IRSD)6/10
Income momentumCensus 16→21
HH income · wk$1,187 → $1,531
Change+29%
vs NSW median+8.4 pp
Median rent+1614.3%
gentrifyingvs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets0
Pharmacies0
GP / clinics0
Fuel stations0
Cafes & dining1
TransportGTFS
Bus stops18
Aged care · Uralla LGAGEN
Facilities2
Residential places47
McMaugh Gardens Hostel36 places
Grace Munro Centre11 places
Childcare · Uralla LGAACECQA
Services4
Approved places112
Exceeding NQS0
Uralla Preschool40 places
TG's Child Care - Uralla32 places
Bundarra Pre-School20 places
Kingstown Pre-School20 places
Shortlist workspace

Save suburbs here while you browse. Once the shortlist has two or more names, hand it straight into compare.

Current status
Add Kentucky if it deserves a shortlist slot.

No saved AU suburbs yet.

EMPTY SET

No saved suburbs yet. Start with one ranking or suburb page, then compare once you have two candidates.

Open rankings to save the first candidates.

Sources & freshness
Strong evidence

There is enough direct local evidence on Kentucky 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 · 2024 · 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 · 18 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.
Sparse locality note

This page stays indexable because Kentucky is a real locality with enough context to be directionally useful. The tradeoff is that coverage is lighter than a stronger suburb profile, so the read should stay cautious.

WHY IT LOOKS LIGHTER
This is a real locality, but it has a very small Census footprint.

Small-population localities can still be worth checking, but rankings, comparisons, and broad suburb assumptions become noisier faster.

WHAT IS MISSING
Coverage is lighter across hospital coverage.

Coverage is thinner on hospital coverage; lean less on this one page and confirm those gaps elsewhere.

BEST NEXT STEP
Use this page to understand the locality shape, then compare outward.

Begin here, but pressure-test the read in compare, against the state hub, or a bigger nearby suburb before deciding.

Page status
INDEXED WITH LIGHTER COVERAGE

This page remains visible, but it should be read as a locality brief rather than a full-confidence suburb profile.

HOW TO READ THIS PAGE

Use this page to set direction, not to close a decision — frame the locality here, then confirm with compare, stronger nearby suburbs, and the state hub.

Stronger nearby reads

If Kentucky feels too thin on its own, use these nearby suburbs as stronger local reads before making a shortlist decision.

Arding most similar
similar price band similar rent profile similar suburb scale

pop same · house -$52K · rent -$210/wk

Similar local read: useful for context, but still compare the actual market signals.

Balala most similar
similar price band similar rent profile similar suburb scale

pop -100 · house -$15K · rent -$245/wk

Similar local read: useful for context, but still compare the actual market signals.

Yarrowyck most similar
similar price band similar suburb scale

pop same · house +$75K · rent -$20/wk

Similar local read: useful for context, but still compare the actual market signals.

Kentucky FAQ

Common questions
  1. What LGA is Kentucky in?

    Kentucky is in the Uralla Local Government Area, NSW, postcode 2354. Council-level context for Uralla LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Kentucky?

    The current median house price in Kentucky, NSW is $460K, 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 Kentucky?

    The median weekly rent in Kentucky is $420/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 Kentucky?

    Rent-led investor candidate: Gross rent yield screens at about 4.7%. 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 Kentucky a good investment?

    QuickProperty's investment signals for Kentucky show: Moderate Yield, Below Median, Affordable. These are computed from price, rent, income, and population data — not an opaque score.

  6. Where does QuickProperty get its data for Kentucky?

    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 Kentucky 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.