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Suburb profile ·Bega Valley LGA · NSW ·2548

Mirador NSW 2548

Mirador is in Bega Valley LGA, NSW, postcode 2548, with population 519.

The read

Livability-led

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.

$550/wk
Rising
+1.9% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2548 · Jun 2026
$630
$480
Jun 2025Jun 2026
Why it fits

Transport coverage adds a practical access signal. Higher SEIFA context supports a stronger local-quality read.

What to check

Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$1.1M
House median, latest period
17.7%YoY D7 vs AU
Median rent
$550/wk
Rent context available
1.9%YoY D10 vs AU
Gross yield
2.7%
Low yield band
D8 vs AU
Population
519
519 local footprint
D7 vs AU
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
1,838
107 added 12mo · 11MW
Price cycleCorrecting
LowPeak

17.7% below peak · 131.4% above its low

See trend depth →

Price history

Houses to Q3'25 · Units to 2024 — house and unit medians are released on separate cycles, so their latest period can differ.

Trend & investor depth

Cycle positionCorrecting
Low · 2013Peak · 2024

17.7% below peak · 131.4% above its low

Price growth (compound)% per year
3-yr
+2.5%
5-yr
+10.9%
10-yr
+7.7%
Indicative cashflow-$641/wk (-$33,334/yr) · interest-only @ 6.4%, 80% LVR
Market turnover11.1% of homes traded/yr (23 sales)
Rent stabilitytypical — rents vary ±5.4% around trend (short window, 13 pts)
Value vs advantage-15% vs suburbs of similar SEIFA advantage (decile 8)

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

Cgrade · 41/100 · top 59% of 3,604AU suburbs
Peer distributionstronger than 41% of AU suburbs
WeakerTypicalStronger
Capital growth49
Rental yield43
Stability28
Volatility-16.1ppCycle-1.0

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 Mirador

Owner-occupied 96%Rented 4%
Investor activityATO
Negatively geared4.5%
228 of 750 landlords
Avg rental loss$7,318/yr
Landlords (rental income)750
Reported capital gains629
Investor exposure index(low vs national)34.4/100
The read

Owner-occupier stronghold

96% of homes here are owner-occupied and 4% rented, with 5% of landlords negatively geared.

Why it fits

96% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 2.7% is thin — returns here lean on capital growth, not cash flow.

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

Mortgage affordability

73%
of household income to service a new loan
16.5 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $5,243/mo vs median rent $2,383/mo (+120% · +$660/wk)

If rates move

At 4.2%: $4,186/mo (-1,057) · at 6.2% (current): $5,243/mo · at 8.2%: $6,401/mo (+1,158)

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

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
12.4x
median home price as a multiple of annual household income
Stretched
Renting
33%
median weekly rent as a share of gross household income (the 30% rule)
Stretched

Owners with a mortgage repay a median of $1,950/mo, while renters pay about $2,383/mo — renting runs $433/mo higher on these medians.

Median price
$1.07M
Household income · yr
$86K
Median rent · wk
$550
Owner mortgage · mo
$1,950
Gross yield
2.7%

Household income

$86K household · yr+5% vs NSW suburb median
Personal
$43K
Family
$98K
Household
$86K
Household income distribution (ABS Census 2021 · weekly)fewer than 9% could service the median house
Under $300
3
$300-649
13
$650-999
27
$1,000-1,499
47
$1,500-1,999
17
$2,000-2,999
48
$3,000-3,999
18
$4,000+
17

Serviceability line: a household needs about $4,033/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 54% of households here would spend more than 30% of income on rent (rent stress line: $1,833/wk income).

Housing stock and tenure

Tenure (202 households)
Owned outright
55%
Owned with mortgage
41%
Rented
4%
Dwelling structure8.7% of dwellings unoccupied on census night
Separate house
95%
Townhouse / semi
3%
Flat / apartment
0%

Getting to work: 81% drive, 0% public transport, 3% walk or cycle, 17% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Livability

8/ 100 livability index

Top 92% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 8% of Australian suburbs
WeakerTypicalStronger
Everyday access0
Public transport (8 stops)29
Schools & hospitals0

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
830
2,268 per 100k
D3 vs AU

Crime

Rate · per 100k2,268
Total incidents830· April 2025 - March 2026
  • Assault22662%
  • Sexual Offences7922%
  • Robbery00%
  • Break And Enter6217%

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

Severe broad-area context

About 90.9% 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

Severe exposure ~90.9%
~90.9% of the suburb is Bush Fire Prone Land · ~63.0% 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 Low Density Residential
Residential 43% Public / Open space 43% Other 12%
Residential density: Low

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

11,506 people · 202212,977 by 2032 (+12.8%)

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

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

Mirador is a small locality in New South Wales within the Bega Valley local government area (postcode 2548). The area has roughly 519 residents and an older-leaning population, with a median age of 52. Households earn a median income of $86K 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 +0.6% 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 professionals, technicians & trades, community & personal service. Employment in the area leans toward healthcare and retail trade. The top ancestries reported are English, Australian, Scottish.

Median house prices in Mirador stand at $1.1 million, having dropped significantly by 17.7% over the last twelve months. Units have a median price of $805,000 (-14.6% YoY). The current median weekly rent is $550. This gives a gross rental yield of approximately 2.7%. The median monthly mortgage repayment is $1,950.

Public transport access includes 8 bus stops. The crime rate in the Bega Valley LGA is below average at 2,268 incidents per 100,000 population.

Looking at the investment signals, The gross rental yield works out to roughly 2.7%, which reads as low yield. Property prices are near the state median ($1.1M/$1.5M). The price-to-income ratio of 12.4x is considered stretched. House prices have moved -17.7% year-on-year. Population growth of +0.6% 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 Yield2.7% Low Yield
Price vs State$1.1M/$1.5M· Near Median
Affordability12.4x Stretched
Price Momentum-17.7% Falling
Pop. Growth+0.6%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,950
Rent · wk(Census)$500
Market rent · wk(2026-06)$550
Gross yield2.4%
Price / income12.4x
Sales vol (latest Q)(2025-Q3)6
Population growth · Bega Valley LGAABS ERP
Population (2025)36,921
5-year growth+0.8% CAGR
YoY change+0.6%
20012025
Development · Bega Valley LGAABS Approvals
Approvals (2026)110
Houses 85%Units 15%
YoY change+0%
Employment · Bega Valley LGASALM
Unemployment (Dec-25)3.4%
YoY change-0.4pp
Dec-10Dec-25
Property investors · Postcode 2548ATO
Negatively geared4.5%
228 of filers
Avg rental loss$7,318/yr
Landlords (rental income)750
Reported capital gains629
People & prosperity
DemographicsCensus 21
Population519
Median age52
Household size2.5
HH income · wk$1,662
Personal income · wk$826
Persons / bedroom0.7
SEIFA indexABS
Advantage (IRSAD)8/10
Education (IEO)6/10
Economic (IER)8/10
Disadvantage (IRSD)7/10
Income momentumCensus 16→21
HH income · wk$1,437 → $1,662
Change+15.7%
vs NSW median-4.9 pp
Median rent+23.5%
stablevs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops8
Hospitals · Bega Valley LGAAIHW
Public2
Private0
Pambula Hospitalpublic
South East Regional Hospitalpublic
Aged care · Bega Valley LGAGEN
Facilities5
Residential places387
Hillgrove House95 places
Uniting Eden85 places
Imlay House73 places
Albert Moore Gardens68 places
Hugh Cunningham Gardens66 places
Childcare · Bega Valley LGAACECQA
Services20
Approved places806
Exceeding NQS8
Pambula Village Preschool60 places
Shorebreakers Kindergarten & Early Learning Centre60 places
Bandara Childrens Services59 places
Farm yard Kids59 places
Merimbula Tura Kindergarten59 places
Little Nippers Early Learning and Child Care56 places
+14 more in Bega Valley LGA
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Current status
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Sources & freshness
Strong evidence

Mirador 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 · 2025-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 · 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 · 8 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.

Mirador FAQ

Common questions
  1. What LGA is Mirador in?

    Mirador is in the Bega Valley Local Government Area, NSW, postcode 2548. Council-level context for Bega Valley LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Mirador?

    The current median house price in Mirador, NSW is $1.1M, 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 Mirador?

    The median weekly rent in Mirador is $550/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Mirador?

    Rent context available: Mirador has usable rent context. 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 Mirador a good investment?

    QuickProperty's investment signals for Mirador show: Low Yield, Near Median, Stretched. These are computed from price, rent, income, and population data — not an opaque score.

  6. Where does QuickProperty get its data for Mirador?

    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 Mirador 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.