True Cost of Buying in South West Rocks
2431 NSW · 425km to CBD
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.
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
Purchase Price
$485,000
Stamp Duty
$16,355
1st Year Total
$41,924
House
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.
Community Profile
Median Income
$52,000
Median Age
58
Family Households
42%
Owner-Occupied
58%
Walkability
45/100
Public Transport
2/10
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