What does Least Affordable Suburbs (Mortgage) rank?

Least Affordable Suburbs (Mortgage) ranks suburbs in Australia using QuickProperty's processed property and locality datasets. Top 50 suburbs by 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 Australia. 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.

← Rankings

Ranking · Australia · 50 suburbs

Least Affordable Suburbs (Mortgage)

Name: Least Affordable Suburbs (Mortgage) — Australia ranked dataset
Creator: QuickProperty

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

Leading suburb

SydneyNSW

Leading value

902%

Runner-up

LindfieldNSW

Updated

12 July 2026

Ranking

Least Affordable Suburbs (Mortgage)

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

50 results

All NSW VIC QLD WA SA TAS ACT NT

How to read this ranking

Use least 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.

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 Sydney and #2 Lindfield 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 ≈ 251%

Leader: Sydney · 902%

# ▲	SUBURB	STATE	% OF INCOME	PRICE/INCOME	POP
1	Sydney	NSW	902%	153.4x	16,667
2	Lindfield	NSW	504%	85.7x	10,943
3	Centennial Park	NSW	499%	84.8x	2,225
4	Rose Bay	NSW	481%	81.8x	9,911
5	Elizabeth Bay	NSW	411%	70.0x	4,878
6	Hackney	SA	398%	67.8x	575
7	Daceyville	NSW	375%	63.7x	1,146
8	Darling Point	NSW	371%	63.0x	3,977
9	Watsons Bay	NSW	369%	62.8x	883
10	Dover Heights	NSW	369%	62.7x	4,044
11	Bellevue Hill	NSW	329%	56.0x	10,590
12	Rossmore	NSW	309%	52.6x	2,241
13	Hastings Point	NSW	304%	51.7x	661
14	Woolwich	NSW	302%	51.3x	833
15	Killara	NSW	291%	49.4x	10,620
16	Kemps Creek	NSW	290%	49.4x	2,121
17	Broadbeach	QLD	289%	49.2x	6,786
18	Bowen Hills	QLD	273%	46.5x	4,898
19	Toorak	VIC	271%	46.0x	12,817
20	Double Bay	NSW	270%	45.9x	4,709
21	Newcastle West	NSW	269%	45.8x	1,453
22	Surfers Paradise	QLD	258%	43.8x	26,412
23	Gilberton	SA	255%	43.4x	1,528
24	Point Piper	NSW	253%	43.1x	1,334
25	Duffys Forest	NSW	253%	43.0x	509
26	Kensington	NSW	251%	42.7x	11,927
27	Lavender Bay	NSW	247%	42.0x	870
28	Kent Town	SA	240%	40.8x	1,443
29	Cremorne	NSW	238%	40.5x	11,263
30	Yallingup	WA	238%	40.4x	1,195
31	Burwood	NSW	237%	40.3x	18,224
32	Cremorne Point	NSW	235%	39.9x	2,270
33	Wollstonecraft	NSW	234%	39.7x	8,115
34	Ingleside	NSW	230%	39.1x	1,030
35	Orchard Hills	NSW	230%	39.1x	1,798
36	Ramsgate Beach	NSW	224%	38.1x	1,734
37	Bringelly	NSW	222%	37.8x	2,433
38	Queenscliff	NSW	218%	37.1x	3,407
39	Newrybar	NSW	216%	36.8x	532
40	Bayview	NSW	216%	36.7x	3,807
41	Breakfast Point	NSW	215%	36.6x	4,678
42	Vaucluse	NSW	215%	36.6x	9,510
43	Palm Beach	NSW	214%	36.4x	1,652
44	Kincumber South	NSW	214%	36.4x	721
45	North Turramurra	NSW	214%	36.3x	4,194
46	Coogee	NSW	212%	36.1x	14,634
47	Kirribilli	NSW	212%	36.1x	3,629
48	Newstead	QLD	210%	35.8x	7,496
49	Malabar	NSW	209%	35.6x	4,714
50	Kurraba Point	NSW	209%	35.5x	1,401

FAQ

Australian least affordable suburbs (mortgage) FAQ

What does Least Affordable Suburbs (Mortgage) rank?

Least Affordable Suburbs (Mortgage) ranks suburbs in Australia using QuickProperty's processed property and locality datasets. Top 50 suburbs by 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 Australia. 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.