What is the true cost of buying an apartment in Carlton?

The median apartment in Carlton is $680,000. Including stamp duty ($25,130), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $53,756, or $4,480/month.

What does it really cost to buy a house in Carlton?

The median house in Carlton is $1,150,000. True first-year cost including stamp duty ($46,280), rates, insurance, maintenance, and mortgage repayments is approximately $80,630.

What is the vacancy rate in Carlton?

Carlton currently has a vacancy rate of 1.8%. Properties average 35 days on market.

buyer.chat

True Cost of Buying in Carlton

2218 NSW · 22km to CBD

Rising

A decision, not just a search · Carlton

Does the lower estimated monthly cost make a property the better buy?

Only under the assumptions entered—and cost is not the whole decision. This model compares scenarios, not lender approval, building condition or personal suitability. Replace defaults with current quotes and documents, then test whether the cost remains manageable when circumstances change.

Questions that could change the answer

Which costs are current supplied figures, and which are model defaults?
What happens to your buffer if interest, repairs or vacancy costs rise?
What finance, contract or inspection condition remains unresolved before an offer?

Evidence to obtain—not yet verified here

Current lender terms and approval conditions, not only a borrowing estimate.
Dated levy notices, rates, insurance quotes and maintenance information.
Contract advice, inspection findings and comparable sales evidence.

Other options: Lower the price limit, compare another property or wait for critical checks. A favourable model result is not a recommendation to make an unconditional offer.

Next action: Re-run the existing calculator with documented inputs, then agree your conditions and walk-away point with the relevant professionals.

When to revisit: Revisit when any input, approval condition, price or property finding changes.

General decision guidance—not a property assessment, personal recommendation or verified client result. Dates on surrounding market content apply to that content, not to checks on your property.

Take this question to a review

The question and suggested checks are prefilled for you to edit. No enquiry is sent until you submit and consent.

Market Intelligence

Carlton NSW 2218 is a well-positioned residential suburb in Sydney's St George region, located approximately 22km south of the CBD. This multicultural community offers an attractive blend of affordability and accessibility, with excellent transport connections via Carlton railway station on the T4 line and regular bus services. The suburb features a diverse housing mix of older brick homes and newer developments, appealing particularly to families seeking value near quality amenities. Carlton benefits from proximity to established shopping districts in Kogarah and Hurstville, access to Georges River recreational areas including Carss Park, and good educational facilities. The local property market has demonstrated steady growth over recent years, supported by strong rental demand and the suburb's strategic location within the broader St George transport improvement plans. With its combination of established infrastructure, community amenities, and ongoing development potential, Carlton represents a solid choice for both owner-occupiers and investors seeking exposure to Sydney's southern growth corridor.

Excellent transport connectivity with Carlton railway station and regular bus servicesStrategic location 22km from Sydney CBD with easy access to major employment hubsDiverse multicultural community creating vibrant neighborhood characterProximity to established retail centers in Kogarah and HurstvilleAccess to Georges River recreational areas and quality parklands

Market Snapshot

Median House

$1.1M

+8.5% 1yr

Median Apartment

$680K

+6.8% 1yr

Median Townhouse

$950K

Vacancy Rate

1.8%

35 avg DOM

Yield (Apartment)

4.9%

Yield (House)

3.8%

Auction Clearance

72%

Population

4,200

True Cost Breakdown

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

Apartment

$4,480/mo

Purchase Price

$680,000

Stamp Duty

$25,130

1st Year Total

$53,756

House

$6,719/mo

Purchase Price

$1,150,000

Stamp Duty

$46,280

1st Year Total

$80,630

Townhouse

$5,646/mo

Purchase Price

$950,000

Stamp Duty

$37,280

1st Year Total

$67,748

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.

Open Calculator