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

The median apartment in Mortdale is $750,000. Including stamp duty ($28,280), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $58,004, or $4,834/month.

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

The median house in Mortdale is $1,350,000. True first-year cost including stamp duty ($56,660), rates, insurance, maintenance, and mortgage repayments is approximately $93,762.

What is the vacancy rate in Mortdale?

Mortdale currently has a vacancy rate of 1.8%. Properties average 32 days on market.

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True Cost of Buying in Mortdale

2223 NSW · 22km to CBD

Stable

A decision, not just a search · Mortdale

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

Mortdale is a well-established family-oriented suburb in Sydney's St George region, offering excellent value for money with strong transport links to the CBD. The suburb features a diverse multicultural community with significant Chinese and Greek populations, centered around quality schools and recreational facilities. With Mortdale Railway Station providing 30-35 minute access to Sydney CBD, the area attracts families and professionals seeking affordable housing options compared to eastern suburbs. The local amenities include well-regarded schools like Mortdale Public School, proximity to Oatley Park and Georges River recreational areas, and a practical shopping strip along Morts Road. The property market predominantly features detached houses with some unit developments, experiencing strong growth driven by infrastructure improvements and transport accessibility. The community benefits from established NBN and 5G coverage, planned T4 line upgrades, and road improvements along King Georges Road corridor, making it an attractive proposition for both owner-occupiers and investors seeking steady capital growth and rental yields.

Excellent transport connectivity via Mortdale Railway Station with 30-35 minute CBD accessStrong multicultural community with established Chinese and Greek populationsQuality educational facilities including well-regarded Mortdale Public SchoolProximity to Georges River and Oatley Park recreational areasAffordable housing options compared to eastern suburbs

Market Snapshot

Median House

$1.4M

+6.8% 1yr

Median Apartment

$750K

+5.2% 1yr

Median Townhouse

$980K

Vacancy Rate

1.8%

32 avg DOM

Yield (Apartment)

4.6%

Yield (House)

3.8%

Auction Clearance

72%

Population

8,200

True Cost Breakdown

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

Apartment

$4,834/mo

Purchase Price

$750,000

Stamp Duty

$28,280

1st Year Total

$58,004

House

$7,814/mo

Purchase Price

$1,350,000

Stamp Duty

$56,660

1st Year Total

$93,762

Townhouse

$5,797/mo

Purchase Price

$980,000

Stamp Duty

$38,630

1st Year Total

$69,560

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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