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Suburb profile ·Mackay LGA · QLD ·4740

Mackay QLD 4740

Mackay is in Mackay LGA, QLD, postcode 4740, with population 4,026.

The read

Growth-momentum

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.

$420/wk
Falling
-6.7% YoY
Jun 2021 → Mar 2026 · 20 periods
Queensland RTA · suburb grain · Mar 2026
$460
$330
Jun 2021Mar 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.

Median house
$466K
House median, latest period
23.1%YoY D2 vs AU
Median rent
$420/wk
Income-stretched rent market
6.7%YoY D9 vs AU
Gross yield
4.7%
Strong yield band
D10 vs AU
Population
4,026
4K local footprint
D9 vs AU
Schools
5
Matched school context
D10 vs AU
Drive to city
12h 13m
951.1 km to Brisbane CBD · free-flow
Solar
18,900
1,445 added 12mo · 150MW

Price history

Trend & investor depth

Indicative cashflow-$144/wk (-$7,479/yr) · interest-only @ 6.4%, 80% LVR
Rent stabilitystable — rents vary ±4.8% around trend
Value vs advantage-10% vs suburbs of similar SEIFA advantage (decile 1)

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

Agrade · 86/100 · top 14% of 3,604AU suburbs
Peer distributionstronger than 86% of AU suburbs
WeakerTypicalStronger
Capital growth66
Rental yield90
Stability51
Volatility-9.8ppCycle-2.0Affordability-1.5

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 Mackay

Owner-occupied 32%Rented 68%
Investor activityATO
Negatively geared5.5%
3,072 of 5,864 landlords
Avg rental loss$7,214/yr
Landlords (rental income)5,864
Reported capital gains4,538
The read

High-yield rental market

31% of homes here are owner-occupied and 65% rented, with 6% of landlords negatively geared.

Why it fits

Gross yield 4.7% is strong — the case here leans on rental cash flow.

What to check

65% rented — renter-heavy areas turn over faster and are more exposed to rate moves and investor sentiment. Social housing is 12% of dwellings — check tenant mix and resale demand.

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

Mortgage affordability

43%
of household income to service a new loan
9.6 yrs
to save a 20% deposit
Stretched
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $2,283/mo vs median rent $1,820/mo (+25% · +$107/wk)

If rates move

At 4.2%: $1,823/mo (-460) · at 6.2% (current): $2,283/mo · at 8.2%: $2,788/mo (+504)

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
7.2x
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 $1,387/mo, while renters pay about $1,820/mo — renting runs $433/mo higher on these medians.

Median price
$466K
Household income · yr
$64K
Median rent · wk
$420
Owner mortgage · mo
$1,387
Gross yield
4.7%

Household income

$64K household · yr-19.1% vs QLD suburb median
Personal
$43K
Family
$95K
Household
$64K
Household income distribution (ABS Census 2021 · weekly)35% could service the median house
Under $300
76
$300-649
312
$650-999
205
$1,000-1,499
278
$1,500-1,999
183
$2,000-2,999
230
$3,000-3,999
102
$4,000+
94

Serviceability line: a household needs about $1,756/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: $1,400/wk income).

Median taxable income trend (ATO, 2018-19 – 2022-23)$47K → $57K

Housing stock and tenure

Tenure (1,618 households)12.4% social housing
Owned outright
16%
Owned with mortgage
15%
Rented
65%
Dwelling structure18.4% of dwellings unoccupied on census night
Separate house
26%
Townhouse / semi
43%
Flat / apartment
28%

Getting to work: 80% drive, 2% public transport, 12% walk or cycle, 3% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total5
Avg ICSEA954
Students2,730
Catholic3
Government1
Independent1
  • St Patrick's CollegeSecondary · Catholic · ICSEA 1009
  • Mackay Central State SchoolPrimary · Government · ICSEA 908
  • St Brendan's Catholic Primary SchoolPrimary · Catholic · ICSEA 1018
  • Kutta Mulla Gorinna Special Assistance SchoolSpecial · Independent · ICSEA 811
  • Catherine McAuley CollegeSecondary · Catholic · ICSEA 1026

Livability

90/ 100 livability index

Top 10% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 90% of Australian suburbs
WeakerTypicalStronger
Everyday access96
Public transport0
Schools & hospitals92

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 Year ending May 2026
6,627
6,627 per 100k
D8 vs AU

Crime

Rate · per 100k6,627
Total incidents6,627· Year ending May 2026
  • Assault1,23232%
  • Break And Enter71619%
  • Drug Offences1,59141%
  • Fraud3068%

Development screen

Could a secondary dwelling be worth investigating?

secondary dwelling / granny flat screening context High broad constraint context

Policy position

Official source access limited

The official state policy page could not be reliably re-verified automatically in the latest review. Treat this screen as preliminary and confirm the current planning and building requirements with the state source and local council.

Rental use: State rental-law changes allow secondary dwellings to be rented more broadly, but implementation depends on an approved lawful dwelling and local planning/building requirements.

Open official policy source

Separate houses

21.3%

Suburb share of occupied private dwellings recorded as separate houses.

58.0 pp below the state median

State median 79.3% · 838 valid suburbs

Residential-zone context

Not staged

A comparable planning-zone layer is not staged for this state.

Rental households

64.5%

Demand context only; it does not establish permission to rent a secondary dwelling.

34.8 pp above the state median

State median 29.7% · 838 valid suburbs

Mapped hazards

No mapped bushfire exposure

The staged suburb layer shows no mapped exposure; this is not a property-level clearance. No broad-area layer staged for this suburb.

Approval pathway

Four checks, each with a different evidence threshold.

This is an investigation sequence, not a guarantee that every step applies or that approval will be granted.

  1. 01 Verify current source

    State policy position

    The current secondary dwelling / granny flat position needs direct confirmation before relying on this screen.

  2. 02 Property dependent

    Planning pathway

    Confirm zoning, lot controls, overlays, setbacks, site coverage and whether planning approval is required.

  3. 03 Design dependent

    Building approval

    Confirm the building approval route after the design, site classifications, services and construction requirements are known.

  4. 04 Check separately

    Intended use

    Confirm long-term rental, short-stay or family-use rules separately from permission to construct the dwelling.

Property due diligence

Turn the suburb screen into a property checklist.

Every check starts unconfirmed. Progress stays in this browser and suburb evidence never clears an address-level requirement.

0evidence acquired
0evidence missing
0reviews due
0consultant questions

Active record: Mackay unnamed property

0/14checked
0issues found

Site controls

Lot area and dimensions

Confirm title dimensions, usable site area and any minimum lot threshold.

Status for Lot area and dimensions
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Setbacks and site coverage

Test setbacks, private open space, landscaping and maximum site coverage against a concept plan.

Status for Setbacks and site coverage
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Slope and ground conditions

Check survey levels, soil classification, retaining needs and likely earthworks.

Status for Slope and ground conditions
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Title and planning

Zoning and overlays

Obtain current property-level zoning, overlays and applicable planning controls.

Status for Zoning and overlays
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Title, easements and covenants

Review the title for easements, covenants, restrictions and common property.

Status for Title, easements and covenants
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Services and access

Sewer and stormwater

Locate assets and connection points, then confirm capacity, clearances and discharge requirements.

Status for Sewer and stormwater
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Power, water and metering

Confirm service routes, upgrade needs and whether separate metering is permitted or practical.

Status for Power, water and metering
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Vehicle access and parking

Test driveway width, gradients, turning, parking and emergency access requirements.

Status for Vehicle access and parking
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Construction constraints

Bushfire exposure

Order an address-level bushfire assessment and determine any BAL construction response.

Status for Bushfire exposure
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Flood and overland flow

Obtain property flood information and check floor levels, flow paths and drainage constraints.

Status for Flood and overland flow
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Wind, corrosion and termite

Confirm site classifications that affect structural design, materials and durability.

Status for Wind, corrosion and termite
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Approval and use

Planning approval pathway

Confirm exemption, complying pathway or permit requirements with the responsible authority.

Status for Planning approval pathway
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Building approval and consultants

Identify required survey, design, engineering, energy, certification and inspection evidence.

Status for Building approval and consultants
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Rental and intended use

Confirm occupation, rental, short-stay and family-use rules plus insurance and tax implications.

Status for Rental and intended use
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Mackay, QLD 4740 · Local browser record

Investigation aid only. Confirm current planning, building, title, service and hazard requirements with qualified professionals and responsible authorities.

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 0.6% 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 ~0.6%
~0.6% 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.

Population outlook

4,129 people · 20224,381 by 2032 (+6.1%)

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

Full data detail Census · ATO · ABS · state datasets
Mackay QLD — Property Data and Demographics

Mackay is a compact suburb in Queensland within the Mackay local government area (postcode 4740). It is home to about 4,026 residents, with a settled mid-life population and a median age of 38. Households earn a median income of $64K per year, with an average household size of 1.9 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +0.9% year-on-year at the LGA level. QLD employment has moved +1.5% year-on-year in the official ABS Labour Force trend series, which provides the broader jobs backdrop for this suburb. QLD also had 35 Commonwealth-backed major projects under construction, 16 underway, and 30 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 accommodation & food. The top ancestries reported are English, Australian, Irish.

Mackay has a median house price of $466,000, which has jumped by 23.1% year-on-year. Units have a median price of $301,000 (+20.4% YoY). The current median weekly rent is $420. This gives a gross rental yield of approximately 4.7%. The median monthly mortgage repayment is $1,387.

Mackay is served by 5 schools, including 2 primary, 2 secondary, 1 special. The average ICSEA score is 954, which is around the national average of 1,000. Healthcare facilities include 1 private hospital. The crime rate in the Mackay LGA is moderate at 6,627 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 ($466K/$1.1M), which can point to relative value. The price-to-income ratio of 7.2x is considered moderate. House prices have moved +23.1% year-on-year. Population growth of +0.9% 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$466K/$1.1M Below Median
Affordability7.2x· Moderate
Price Momentum+23.1% Rising
Pop. Growth+0.9%· Stable
Development+0%· Steady
InvestmentQLD
Mortgage · mth$1,387
Rent · wk(Census)$270
Market rent · wk(Q1 2026)$420
Gross yield3.0%
Price / income7.2x
Population growth · Mackay LGAABS ERP
Population (2025)129,253
5-year growth+1.3% CAGR
YoY change+0.9%
20012025
Development · Mackay LGAABS Approvals
Approvals (2026)525
Houses 92%Units 8%
YoY change+0%
Employment · Mackay LGASALM
Unemployment (Dec-25)2.8%
YoY change+0.4pp
Dec-10Dec-25
Property investors · Postcode 4740ATO
Negatively geared5.5%
3,072 of filers
Avg rental loss$7,214/yr
Landlords (rental income)5,864
Reported capital gains4,538
People & prosperity
DemographicsCensus 21
Population4,026
Median age38
Household size1.9
HH income · wk$1,239
Personal income · wk$835
Persons / bedroom0.8
IncomeATO 22-23
Median income$57,244
Mean income$68,432
Earners3,265
YoY change+2%
SEIFA indexABS
Advantage (IRSAD)1/10
Education (IEO)3/10
Economic (IER)1/10
Disadvantage (IRSD)2/10
Income momentumCensus 16→21
HH income · wk$976 → $1,239
Change+26.9%
vs QLD median+8.9 pp
Median rent+35%
gentrifyingvs QLD 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets5
Pharmacies6
GP / clinics4
Fuel stations6
Cafes & dining36
coles2
iga1
woolworths1
Hospitals · Mackay LGAAIHW
Public2
Private3
Mackay Base Hospitalpublic
Sarina Hospitalpublic
Icon Cancer Centre Mackayprivate
Mater Misericordiae Day Unitprivate · in suburb
Mater Misericordiae Hospital Mackayprivate
Aged care · Mackay LGAGEN
Facilities12
Residential places890
Good Shepherd Lodge168 places
Francis Of Assisi Home148 places
Ozcare Mackay120 places
Glenella Care108 places
Kerrisdale Gardens107 places
Blue Care Mackay Homefield Aged Care Facility74 places
+6 more in Mackay LGA
Childcare · Mackay LGAACECQA
Services85
Approved places5,364
Exceeding NQS8
Green Leaves Early Learning Mount Pleasant143 places
Moreton Drive Early Learning Centre134 places
PCYC Marian Fun Squad120 places
Eden Academy Beaconsfield108 places
Eden Academy Kerrisdale108 places
Goodstart Early Learning Mackay - Bridge Road 1105 places
+79 more in Mackay LGA
Shortlist workspace

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Current status
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Sources & freshness
Strong evidence

Mackay carries 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
Prices come from release-based suburb series.

Direct state price coverage is used where present; missing house or unit anchors fall back to annual ABS SA2 matches

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
QGSO Housing Profiles / ABS Data by Region · 2024 · Direct state price coverage is used where present; missing house or unit anchors fall back to annual ABS SA2 matches
medium stability · automated · every update · quarterly
Verify
Market rent
Queensland RTA · Q1 2026 · State market dataset
medium stability · automated · every update · quarterly
Available
Crime
State crime dataset · Year ending May 2026 · Area-level release dataset
Available
Schools
ACARA 2025 · 5 schools matched
stable source · automated · every update · annual
Available
Hospitals
AIHW · 1 hospitals matched
medium stability · manual file · snapshot · mixed
Available
Transport
GTFS feeds · No matched local transport stops
medium stability · manual file · snapshot · mixed
Missing
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.

Mackay FAQ

Common questions
  1. What LGA is Mackay in?

    Mackay is in the Mackay Local Government Area, QLD, postcode 4740. Council-level context for Mackay LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Mackay?

    The current median house price in Mackay, QLD is $466K, 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 Mackay?

    The median weekly rent in Mackay is $420/wk, based on the current market rent dataset. The current rent signal is income-stretched rent market.

  4. What does the rent signal say about Mackay?

    Income-stretched rent market: Weekly rent screens at about 38% of annual income. 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 Mackay a good investment?

    QuickProperty's investment signals for Mackay 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 Mackay?

    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 Mackay 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.