What is the true cost of buying an apartment in Port Stephens?

The median apartment in Port Stephens is $620,000. Including stamp duty ($22,430), strata, council rates, insurance, and mortgage repayments, the true first-year cost is approximately $50,120, or $4,177/month.

What does it really cost to buy a house in Port Stephens?

The median house in Port Stephens is $850,000. True first-year cost including stamp duty ($32,780), rates, insurance, maintenance, and mortgage repayments is approximately $60,926.

What is the vacancy rate in Port Stephens?

Port Stephens currently has a vacancy rate of 1.8%. Properties average 35 days on market.

buyer.chat

True Cost of Buying in Port Stephens

2315 NSW · 210km to CBD

Stable

Market Intelligence

Port Stephens is a coastal Local Government Area in NSW, encompassing multiple towns including Nelson Bay, Shoal Bay, Anna Bay, and Raymond Terrace. Located 2.5 hours north of Sydney, it's renowned for pristine beaches, dolphin watching, and marine activities. The region has become a popular sea change and retirement destination, driving steady population growth and strong property market performance. Waterfront locations like Nelson Bay command premium prices, while Raymond Terrace offers more affordable options. The area features excellent recreational amenities, multiple schools, healthcare facilities, and a thriving tourism industry. Infrastructure includes connection via Pacific Highway, with Newcastle Airport 45 minutes away, though public transport options are limited. The tight rental market and lifestyle appeal continue to attract investors, downsizers, and tree changers seeking coastal living within reach of major urban centers.

Pristine beaches and marine environment with dolphin watchingStrong tourism industry providing economic stabilityPopular retirement and sea change destinationDiverse housing options from affordable to premium waterfrontActive community with recreational facilities and clubs

Market Snapshot

Median House

$850K

+8.5% 1yr

Median Apartment

$620K

+7.2% 1yr

Median Townhouse

$720K

Vacancy Rate

1.8%

35 avg DOM

Yield (Apartment)

5.1%

Yield (House)

4.2%

Auction Clearance

72%

Population

72,000

True Cost Breakdown

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

Apartment

$4,177/mo

Purchase Price

$620,000

Stamp Duty

$22,430

1st Year Total

$50,120

House

$5,077/mo

Purchase Price

$850,000

Stamp Duty

$32,780

1st Year Total

$60,926

Townhouse

$4,483/mo

Purchase Price

$720,000

Stamp Duty

$26,930

1st Year Total

$53,792

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