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Suburb profile ·Mid-Western Regional LGA · NSW ·2850

St Fillans NSW 2850

St Fillans is in Mid-Western Regional LGA, NSW, postcode 2850, with population 259.

The read

Livability-led

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.

$600/wk
Flat
+0.4% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2850 · Jun 2026
$640
$580
Jun 2025Jun 2026
Why it fits

Transport coverage adds a practical access signal.

What to check

Small local population makes the signal set more fragile.

Median house
$878K
House median, latest period
23.7%YoY D5 vs AU
Median rent
$600/wk
Rent context available
0.4%YoY D10 vs AU
Gross yield
3.6%
Below investor band
D10 vs AU
Population
259
259 local footprint
D6 vs AU
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
4,164
275 added 12mo · 31MW
Price cycleCorrecting
LowPeak

23.7% below peak · 247.5% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionCorrecting
Low · 2008Peak · 2023

23.7% below peak · 247.5% above its low

Price growth (compound)% per year
3-yr
+0.6%
5-yr
+7.2%
10-yr
+10.0%
Indicative cashflow-$414/wk (-$21,528/yr) · interest-only @ 6.4%, 80% LVR
Rent stabilitystable — rents vary ±2.4% around trend (short window, 13 pts)
Value vs advantage-12% 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 St Fillans

Owner-occupied 92%Rented 8%
Investor activityATO
Negatively geared6.2%
689 of 1,611 landlords
Avg rental loss$7,868/yr
Landlords (rental income)1,611
Reported capital gains917
The read

Owner-occupier stronghold

93% of homes here are owner-occupied and 8% rented, with 6% of landlords negatively geared.

Why it fits

93% 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

56%
of household income to service a new loan
12.7 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $4,300/mo vs median rent $2,600/mo (+65% · +$392/wk)

If rates move

At 4.2%: $3,433/mo (-867) · at 6.2% (current): $4,300/mo · at 8.2%: $5,249/mo (+950)

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
9.5x
median home price as a multiple of annual household income
Moderate
Renting
34%
median weekly rent as a share of gross household income (the 30% rule)
Stretched

Owners with a mortgage repay a median of $1,800/mo, while renters pay about $2,600/mo — renting runs $800/mo higher on these medians.

Median price
$878K
Household income · yr
$92K
Median rent · wk
$600
Owner mortgage · mo
$1,800
Gross yield
3.6%

Household income

$92K household · yr+12.1% vs NSW suburb median
Personal
$36K
Family
$116K
Household
$92K
Household income distribution (ABS Census 2021 · weekly)20% could service the median house
Under $300
0
$300-649
18
$650-999
10
$1,000-1,499
12
$1,500-1,999
8
$2,000-2,999
13
$3,000-3,999
14
$4,000+
10

Serviceability line: a household needs about $3,307/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 56% of households here would spend more than 30% of income on rent (rent stress line: $2,000/wk income).

Housing stock and tenure

Tenure (90 households)
Owned outright
41%
Owned with mortgage
52%
Rented
8%
Dwelling structure3.1% of dwellings unoccupied on census night
Separate house
97%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 77% drive, 0% public transport, 0% walk or cycle, 15% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
890
3,395 per 100k
D5 vs AU

Crime

Rate · per 100k3,395
Total incidents890· April 2025 - March 2026
  • Assault26957%
  • Sexual Offences11925%
  • Robbery31%
  • Break And Enter7917%

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

No mapped bushfire exposure

About 0.0% 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

No mapped exposure ~0.0%
~0.0% 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 Large Lot Residential
Residential 54% Rural / Green wedge 46%
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

11,166 people · 202213,027 by 2032 (+16.7%)

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

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

St Fillans (postcode 2850) is a quiet locality in New South Wales within the Mid-Western Regional local government area. It is home to about 259 residents, with a settled mid-life population and a median age of 43. Households earn a median income of $92K per year, with an average household size of 2.7 people. 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, sales. Employment in the area leans toward mining and construction. The top ancestries reported are Australian, English, Scottish.

St Fillans has a median house price of $878,000, which has dropped significantly by 23.7% year-on-year. The current median weekly rent is $600. This gives a gross rental yield of approximately 3.6%. The median monthly mortgage repayment is $1,800.

Public transport access includes 12 bus stops. The crime rate in the Mid-Western Regional LGA is below average at 3,395 incidents per 100,000 population.

From an investment perspective, Gross rental yield sits at around 3.6% (moderate yield). Property prices sit below the state median ($878K/$1.5M), which can point to relative value. The price-to-income ratio of 9.5x is considered moderate. House prices have moved -23.7% year-on-year.

Market & money
Investment signalsHeuristics
Rental Yield3.6%· Moderate Yield
Price vs State$878K/$1.5M Below Median
Affordability9.5x· Moderate
Price Momentum-23.7% Falling
InvestmentNSW
Mortgage · mth$1,800
Rent · wk(Census)$330
Market rent · wk(2026-06)$600
Gross yield2.0%
Price / income9.5x
Property investors · Postcode 2850ATO
Negatively geared6.2%
689 of filers
Avg rental loss$7,868/yr
Landlords (rental income)1,611
Reported capital gains917
People & prosperity
DemographicsCensus 21
Population259
Median age43
Household size2.7
HH income · wk$1,775
Personal income · wk$685
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)6/10
Education (IEO)3/10
Economic (IER)8/10
Disadvantage (IRSD)5/10
Income momentumCensus 16→21
HH income · wk$1,218 → $1,775
Change+45.7%
vs NSW median+25.1 pp
Median rent+385.3%
gentrifyingvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops12
Hospitals · Mid-Western Regional LGAAIHW
Public3
Private0
Gulgong Multi Purpose Servicepublic
Mudgee Health Servicepublic
Rylstone Multi Purpose Servicepublic
Aged care · Mid-Western Regional LGAGEN
Facilities7
Residential places293
Kanandah Hostel96 places
Whiddon Mudgee Pioneer81 places
Mudgee Grove Care Community42 places
Wenonah Lodge25 places
Rylstone Multi-Purpose Service24 places
Ada Cottage19 places
+1 more in Mid-Western Regional LGA
Childcare · Mid-Western Regional LGAACECQA
Services17
Approved places974
Exceeding NQS2
Mudgee Little Learners155 places
Kiddie Academy Mudgee152 places
Squeakers Childcare Centre69 places
Milestones Early Learning Mudgee63 places
Mudgee Community Preschool Incorporated60 places
PCYC - Out of School Hours Cudgegong60 places
+11 more in Mid-Western Regional LGA
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Current status
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Sources & freshness
Usable evidence

St Fillans works as a starting read but still needs cross-checking.

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 · 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 · 12 matched stops/stations
medium stability · manual file · snapshot · mixed
Available
Population growth
ABS ERP · No linked annual population growth series
stable source · automated · every update · annual
Missing
Building approvals
ABS Building Approvals · No linked approvals series
stable source · automated · every update · monthly
Missing
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.

St Fillans FAQ

Common questions
  1. What LGA is St Fillans in?

    St Fillans is in the Mid-Western Regional Local Government Area, NSW, postcode 2850. Council-level context for Mid-Western Regional LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in St Fillans?

    The current median house price in St Fillans, NSW is $878K, 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 St Fillans?

    The median weekly rent in St Fillans is $600/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about St Fillans?

    Rent context available: St Fillans 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 St Fillans a good investment?

    QuickProperty's investment signals for St Fillans show: Moderate 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 St Fillans?

    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 St Fillans 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.