True Cost of Buying in Ballina

2478 NSW · 740km to CBD

Rising

Market Intelligence

Ballina is a thriving coastal town at the mouth of the Richmond River in northern NSW, serving as a major regional center for the Far North Coast. With a population of 17,800 and median age of 48, it attracts a diverse mix of retirees, families, and professionals seeking a relaxed coastal lifestyle. The town has experienced remarkable property growth, with house prices reaching $850,000 (up 52.8% over five years) driven by strong interstate migration and limited supply. Ballina offers excellent amenities including Ballina District Hospital, quality schools, Ballina Byron Gateway Airport just 8km away, and pristine beaches within 2km. The Richmond River provides extensive recreational opportunities for boating and fishing, while Ballina Fair anchors the retail precinct. With low unemployment (4.8%), strong community infrastructure, and proximity to Byron Bay, Ballina represents an attractive lifestyle destination with solid investment fundamentals, though transport connectivity beyond road access remains limited.

Prime coastal location with Richmond River frontage and beach access within 2kmStrong property market performance with 52.8% house price growth over 5 yearsRegional airport providing convenient air connectivity to major citiesComprehensive healthcare with Ballina District Hospital serving the regionLow crime index (25/100) and high safety rating (8/10) creating family-friendly environment

Market Snapshot

Median House

$850K

+8.5% 1yr

Median Apartment

$580K

+7.2% 1yr

Median Townhouse

$720K

Vacancy Rate

1.2%

28 avg DOM

Yield (Apartment)

4.5%

Yield (House)

3.8%

Auction Clearance

68%

Population

17,800

True Cost Breakdown

Based on median prices · 20% deposit · 6.5% interest · 30-year term · Owner-occupier

Apartment

$3,975/mo

Purchase Price

$580,000

Stamp Duty

$20,630

1st Year Total

$47,696

House

$5,077/mo

Purchase Price

$850,000

Stamp Duty

$32,780

1st Year Total

$60,926

Townhouse

$4,483/mo

Purchase Price

$720,000

Stamp Duty

$26,930

1st Year Total

$53,792

Run Your Own Numbers

These are median figures. Plug in the actual property you're looking at to see your real all-in cost — including first-home concessions, investment deductions, or different deposit amounts.

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Community Profile

Median Income

$58,000

Median Age

48

Family Households

58%

Owner-Occupied

65%

Walkability

65/100

Public Transport

4/10

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