True Cost of Buying in Kempsey

2440 NSW · 430km to CBD

Stable

Market Intelligence

Kempsey is a regional town on NSW's Mid North Coast, serving as the administrative center of Kempsey Shire Council approximately 430km north of Sydney. The town offers an affordable coastal lifestyle with access to pristine beaches including South West Rocks and Hat Head National Park, alongside the recreational opportunities of the Macleay River. With a significant Aboriginal population and the Dunghutti people as traditional custodians, Kempsey maintains strong cultural heritage. The property market remains highly affordable compared to major NSW cities, experiencing moderate growth following regional trends post-COVID. The community benefits from essential services including hospitals, schools, and shopping centers, with a strong events calendar featuring agricultural shows and cultural festivals. While transport connectivity relies primarily on the Pacific Highway and limited public transport options, the town's proximity to beaches and rivers positively influences lifestyle appeal and property values. The area experiences population fluctuations due to seasonal work and tourism, with a median age typically higher than the NSW average due to retiree migration to coastal areas.

Highly affordable property market compared to major NSW citiesExcellent access to beaches and coastal recreation including South West RocksStrong cultural heritage with significant Aboriginal communityEssential services including hospital, schools, and shopping facilitiesRecreational opportunities along Macleay River for fishing and boating

Market Snapshot

Median House

$385K

+8.5% 1yr

Median Apartment

$285K

+7.8% 1yr

Median Townhouse

$335K

Vacancy Rate

1.8%

45 avg DOM

Yield (Apartment)

5.4%

Yield (House)

4.8%

Auction Clearance

65%

Population

12,500

True Cost Breakdown

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

Apartment

$2,483/mo

Purchase Price

$285,000

Stamp Duty

$8,145

1st Year Total

$29,792

House

$2,532/mo

Purchase Price

$385,000

Stamp Duty

$11,855

1st Year Total

$30,389

Townhouse

$2,536/mo

Purchase Price

$335,000

Stamp Duty

$9,895

1st Year Total

$30,428

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Community Profile

Median Income

$48,000

Median Age

44

Family Households

58%

Owner-Occupied

68%

Walkability

45/100

Public Transport

3/10

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