True Cost of Buying in Kiama

2533 NSW · 120km to CBD

Stable

Market Intelligence

Kiama is a picturesque coastal town in NSW's Illawarra region, renowned for its famous blowhole and heritage charm. Located 120km south of Sydney, it attracts families, retirees, and sea-change migrants seeking a relaxed coastal lifestyle with excellent amenities. The town features beautiful beaches, quality schools including Kiama High School, and strong community events like the annual Jazz & Blues Festival. Property demand remains robust due to lifestyle appeal and limited supply, with heritage overlays protecting the town's character but constraining development. The market shows resilience with ocean-view properties commanding premium prices. Transport connectivity via the Illawarra railway line and Princes Highway provides good access to Sydney and Wollongong. The demographic profile skews toward older residents and families, creating a stable, family-friendly community with active local organizations and heritage tourism industry.

Prime coastal location with famous blowhole attractionStrong heritage character and tourism appealQuality educational facilities and community amenitiesExcellent transport links to Sydney via rail and roadLimited supply maintaining property values

Market Snapshot

Median House

$1.3M

+8.5% 1yr

Median Apartment

$720K

+6.8% 1yr

Median Townhouse

$950K

Vacancy Rate

1.8%

42 avg DOM

Yield (Apartment)

4.1%

Yield (House)

3.2%

Auction Clearance

72%

Population

13,500

True Cost Breakdown

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

Apartment

$4,683/mo

Purchase Price

$720,000

Stamp Duty

$26,930

1st Year Total

$56,192

House

$7,267/mo

Purchase Price

$1,250,000

Stamp Duty

$51,160

1st Year Total

$87,202

Townhouse

$5,646/mo

Purchase Price

$950,000

Stamp Duty

$37,280

1st Year Total

$67,748

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Community Profile

Median Income

$78,000

Median Age

47

Family Households

68%

Owner-Occupied

68%

Walkability

75/100

Public Transport

7/10

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