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

The median apartment in Kearns is $420,000. Including stamp duty ($13,430), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $37,988, or $3,166/month.

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

The median house in Kearns is $650,000. True first-year cost including stamp duty ($23,780), rates, insurance, maintenance, and mortgage repayments is approximately $47,794.

What is the vacancy rate in Kearns?

Kearns currently has a vacancy rate of 1.8%. Properties average 42 days on market.

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True Cost of Buying in Kearns

2558 NSW · 50km to CBD

Stable

A decision, not just a search · Kearns

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.

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Market Intelligence

Kearns is a diverse, multicultural suburb in southwestern Sydney's Campbelltown area, characterized by its affordability and strong community spirit. Located approximately 50km from Sydney CBD, this established residential area features predominantly 1970s-1980s housing stock with a significant proportion of public housing. The suburb attracts young families and first-home buyers seeking affordable entry into the Sydney market. With a population of around 5,200 residents, Kearns has a notably diverse demographic including significant Pacific Islander and Middle Eastern communities. While facing socioeconomic challenges including higher unemployment rates, the area benefits from proximity to Campbelltown CBD, local amenities including Kearns Public School and recreational facilities, and strong multicultural support networks. The property market remains one of the most affordable in the region, with median house prices around $650,000 and solid rental yields of 4.5-5.5%. Transport connectivity relies primarily on bus services to Campbelltown station, though the area benefits from good road access. The suburb offers genuine community atmosphere with active local organizations, parks including Kearns Reserve, and essential services within reach. Investment appeal centers on affordability, rental demand from diverse tenant base, and potential for capital growth as broader Western Sydney development continues.

High affordability compared to broader Sydney marketStrong multicultural community with active support networksSolid rental yields and consistent tenant demandProximity to Campbelltown CBD and major shopping facilitiesEstablished infrastructure with parks and recreational facilities

Market Snapshot

Median House

$650K

+4.2% 1yr

Median Apartment

$420K

+3.8% 1yr

Median Townhouse

—

Vacancy Rate

1.8%

42 avg DOM

Yield (Apartment)

5.8%

Yield (House)

5.2%

Auction Clearance

68%

Population

5,200

True Cost Breakdown

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

Apartment

$3,166/mo

Purchase Price

$420,000

Stamp Duty

$13,430

1st Year Total

$37,988

House

$3,983/mo

Purchase Price

$650,000

Stamp Duty

$23,780

1st Year Total

$47,794

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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