True Cost of Buying in South West Rocks

2431 NSW · 425km to CBD

Stable

Market Intelligence

South West Rocks is a picturesque coastal town in NSW's Mid North Coast, located within Kempsey Shire. This seaside community of approximately 5,000 residents is renowned for its stunning natural attractions including Trial Bay Gaol, Smoky Cape Lighthouse, and Hat Head National Park. The town experiences significant seasonal population fluctuations due to its popularity as a holiday destination and strong tourism appeal. The demographic profile skews older, with many retirees and sea-changers drawn to the relaxed coastal lifestyle. The property market is driven by lifestyle buyers seeking affordable coastal living compared to major metropolitan areas. While the town offers excellent recreational amenities including fishing, boating, and bushwalking opportunities, it faces challenges with limited retail options, no public transport, and relative isolation requiring travel to Kempsey for major services. The area holds significant Indigenous heritage as traditional Dunghutti land and maintains a strong community connection to its coastal environment.

Stunning coastal location with pristine beaches and national park accessHistoric attractions including Trial Bay Gaol and Smoky Cape LighthouseStrong tourism and holiday rental market potentialAffordable coastal property compared to major citiesExcellent fishing, boating and recreational opportunities

Market Snapshot

Median House

$680K

+8.2% 1yr

Median Apartment

$485K

+6.8% 1yr

Median Townhouse

Vacancy Rate

2.8%

42 avg DOM

Yield (Apartment)

5.1%

Yield (House)

4.2%

Auction Clearance

68%

Population

5,200

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

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

Community Profile

Median Income

$52,000

Median Age

58

Family Households

42%

Owner-Occupied

58%

Walkability

45/100

Public Transport

2/10

Need finance guidance for South West Rocks?

Local Knowledge Finance — brokers who know this market.

Find a professional in South West Rocks

Demand-matched agents who know this suburb best.

Browse Professionals
Browse all suburb true-cost analyses →