True Cost of Buying in Kempsey
2440 NSW · 430km to CBD
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.
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
Purchase Price
$285,000
Stamp Duty
$8,145
1st Year Total
$29,792
House
Purchase Price
$385,000
Stamp Duty
$11,855
1st Year Total
$30,389
Townhouse
Purchase Price
$335,000
Stamp Duty
$9,895
1st Year Total
$30,428
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.
Community Profile
Median Income
$48,000
Median Age
44
Family Households
58%
Owner-Occupied
68%
Walkability
45/100
Public Transport
3/10
Need finance guidance for Kempsey?
Local Knowledge Finance — brokers who know this market.
Find a professional in Kempsey
Demand-matched agents who know this suburb best.