What does Least Affordable Suburbs (Mortgage) rank?

Least Affordable Suburbs (Mortgage) ranks suburbs in NSW 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 NSW. 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.

← Least Affordable Suburbs (Mortgage)

Ranking · NSW · 50 suburbs

Least Affordable Suburbs (Mortgage) — NSW

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

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 — NSW

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 in NSW.

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 ≈ 230%

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	Daceyville	NSW	375%	63.7x	1,146
7	Darling Point	NSW	371%	63.0x	3,977
8	Watsons Bay	NSW	369%	62.8x	883
9	Dover Heights	NSW	369%	62.7x	4,044
10	Bellevue Hill	NSW	329%	56.0x	10,590
11	Rossmore	NSW	309%	52.6x	2,241
12	Hastings Point	NSW	304%	51.7x	661
13	Woolwich	NSW	302%	51.3x	833
14	Killara	NSW	291%	49.4x	10,620
15	Kemps Creek	NSW	290%	49.4x	2,121
16	Double Bay	NSW	270%	45.9x	4,709
17	Newcastle West	NSW	269%	45.8x	1,453
18	Point Piper	NSW	253%	43.1x	1,334
19	Duffys Forest	NSW	253%	43.0x	509
20	Kensington	NSW	251%	42.7x	11,927
21	Lavender Bay	NSW	247%	42.0x	870
22	Cremorne	NSW	238%	40.5x	11,263
23	Burwood	NSW	237%	40.3x	18,224
24	Cremorne Point	NSW	235%	39.9x	2,270
25	Wollstonecraft	NSW	234%	39.7x	8,115
26	Ingleside	NSW	230%	39.1x	1,030
27	Orchard Hills	NSW	230%	39.1x	1,798
28	Ramsgate Beach	NSW	224%	38.1x	1,734
29	Bringelly	NSW	222%	37.8x	2,433
30	Queenscliff	NSW	218%	37.1x	3,407
31	Newrybar	NSW	216%	36.8x	532
32	Bayview	NSW	216%	36.7x	3,807
33	Breakfast Point	NSW	215%	36.6x	4,678
34	Vaucluse	NSW	215%	36.6x	9,510
35	Palm Beach	NSW	214%	36.4x	1,652
36	Kincumber South	NSW	214%	36.4x	721
37	North Turramurra	NSW	214%	36.3x	4,194
38	Coogee	NSW	212%	36.1x	14,634
39	Kirribilli	NSW	212%	36.1x	3,629
40	Malabar	NSW	209%	35.6x	4,714
41	Kurraba Point	NSW	209%	35.5x	1,401
42	Cabarita	NSW	208%	35.3x	1,933
43	Narrabeen	NSW	202%	34.3x	8,255
44	Queens Park	NSW	201%	34.2x	3,143
45	Freshwater	NSW	197%	33.5x	9,186
46	Horsley Park	NSW	196%	33.3x	1,790
47	Rushcutters Bay	NSW	196%	33.3x	2,335
48	Tamarama	NSW	195%	33.2x	1,478
49	Chatswood	NSW	195%	33.1x	25,553
50	Taren Point	NSW	193%	32.9x	1,879

FAQ

Australian least affordable suburbs (mortgage) FAQ

What does Least Affordable Suburbs (Mortgage) rank?

Least Affordable Suburbs (Mortgage) ranks suburbs in NSW 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 NSW. 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.