What is the true cost of buying an apartment in Raymond Terrace?

The median apartment in Raymond Terrace is $485,000. Including stamp duty ($16,355), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $41,924, or $3,494/month.

What does it really cost to buy a house in Raymond Terrace?

The median house in Raymond Terrace is $680,000. True first-year cost including stamp duty ($25,130), rates, insurance, maintenance, and mortgage repayments is approximately $49,756.

What is the vacancy rate in Raymond Terrace?

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

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True Cost of Buying in Raymond Terrace

2324 NSW · 165km to CBD

Stable

Market Intelligence

Raymond Terrace is a historic regional town in NSW's Port Stephens area, serving as a major service center for the Hunter Valley region. Located approximately 30km north of Newcastle on the Pacific Highway, it offers an appealing blend of regional lifestyle with urban accessibility. The suburb features a heritage town center, quality educational facilities including Raymond Terrace Public and High Schools, and recreational amenities along the Hunter River. Property values have experienced significant growth driven by Newcastle's proximity and regional migration trends, attracting families and first home buyers seeking affordability compared to Newcastle. The area benefits from ongoing infrastructure improvements, NBN coverage, and a growing hospitality scene, while maintaining its small-town character with modern conveniences.

Strategic location on Pacific Highway with direct Newcastle and Sydney accessHistoric town center with heritage character and local shopping precinctStrong educational facilities serving regional familiesHunter River recreational opportunities and scenic appealAffordable property market compared to Newcastle

Market Snapshot

Median House

$680K

+8.5% 1yr

Median Apartment

$485K

+6.8% 1yr

Median Townhouse

$590K

Vacancy Rate

1.8%

32 avg DOM

Yield (Apartment)

5.2%

Yield (House)

4.8%

Auction Clearance

68%

Population

8,500

True Cost Breakdown

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

Apartment

$3,494/mo

Purchase Price

$485,000

Stamp Duty

$16,355

1st Year Total

$41,924

House

$4,146/mo

Purchase Price

$680,000

Stamp Duty

$25,130

1st Year Total

$49,756

Townhouse

$3,825/mo

Purchase Price

$590,000

Stamp Duty

$21,080

1st Year Total

$45,896

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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