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

The median apartment in Maclean is $320,000. Including stamp duty ($9,370), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $31,916, or $2,660/month.

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

The median house in Maclean is $485,000. True first-year cost including stamp duty ($16,355), rates, insurance, maintenance, and mortgage repayments is approximately $36,949.

What is the vacancy rate in Maclean?

Maclean currently has a vacancy rate of 1.8%. Properties average 45 days on market.

buyer.chat

True Cost of Buying in Maclean

2463 NSW · 650km to CBD

Stable

A decision, not just a search · Maclean

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

Maclean is a charming riverside town in NSW's Northern Rivers region, serving as the administrative center of Clarence Valley Council. Located on the scenic Clarence River approximately 650km north of Sydney, this town of around 3,000 residents is renowned for its strong Scottish heritage, celebrated annually through the Highland Gathering festival. The community attracts retirees and lifestyle seekers drawn to its peaceful river setting, affordable housing, and relaxed pace of life. Property markets are driven by tree-change migration, with riverfront homes commanding premium prices while maintaining overall affordability compared to coastal alternatives. The town offers essential services including Maclean High School, medical facilities, and recreational amenities like golf courses and river activities. While geographically isolated from major centers, Maclean's position on the Pacific Highway provides reasonable connectivity. The local economy relies on agriculture, tourism, and government services, with limited employment diversity presenting challenges for younger demographics. Infrastructure includes NBN connectivity and essential services, though flood risk remains a consideration for some areas. The tight rental market reflects steady demand from both permanent residents and visitors exploring the region.

Scenic Clarence River location with recreational boating and fishingStrong community spirit and Scottish cultural heritageAffordable housing market compared to coastal areasStrategic location on Pacific Highway for regional connectivityQuality educational facilities including Maclean High School

Market Snapshot

Median House

$485K

+6.2% 1yr

Median Apartment

$320K

+5.8% 1yr

Median Townhouse

—

Vacancy Rate

1.8%

45 avg DOM

Yield (Apartment)

5.1%

Yield (House)

4.2%

Auction Clearance

68%

Population

3,200

True Cost Breakdown

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

Apartment

$2,660/mo

Purchase Price

$320,000

Stamp Duty

$9,370

1st Year Total

$31,916

House

$3,079/mo

Purchase Price

$485,000

Stamp Duty

$16,355

1st Year Total

$36,949

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