Cundletown
Forty-four percent of Cundletown homeowners hold their property outright, a figure that signals a settled, mortgage-free population rather than a suburb attracting young buyers. With a median age of 46, six years above the national figure, and a household income sitting at the 31st percentile nationally, the suburb draws those prioritising stability and affordability over earnings or urban access. The $565,000 median house price comes with a mortgage-to-income ratio of 24.5%, below the 30% stress threshold, and 95% of dwellings are separate houses, reflecting a deeply traditional housing mix compared to the NSW average.
Population
2,050
Median Age
46.0
Household IncomeiMedian weekly household income (ABS Census)
$1,305/wk
DAs (12 months)iDevelopment Applications lodged in the past year
13
Median House
$565K
2024-2025 (PSI derived)
At $565,000, the median house price represents genuine affordability for mid-range buyers, particularly given that mortgage repayments average $1,387 per month and the mortgage-to-income ratio sits at 24.5%, comfortably below the 30% stress level. Prices tracked from $575,000 in 2024 down to $560,000 in 2025, a 2.6% decline, so buyers are entering a softening rather than rising market. The stock is almost entirely separate houses at 95.2%, with apartments at just 0.4%, far below state averages. Three-bedroom homes dominate at 51.1%, with four-plus bedrooms at 36.4%, giving families more space per dollar than comparable coastal NSW markets.
For Buyers
At $565,000, the median house price represents genuine affordability for mid-range buyers, particularly given that mortgage repayments average $1,387 per month and the mortgage-to-income ratio sits at 24.5%, comfortably below the 30% stress level. Prices tracked from $575,000 in 2024 down to $560,000 in 2025, a 2.6% decline, so buyers are entering a softening rather than rising market. The stock is almost entirely separate houses at 95.2%, with apartments at just 0.4%, far below state averages. Three-bedroom homes dominate at 51.1%, with four-plus bedrooms at 36.4%, giving families more space per dollar than comparable coastal NSW markets.
For Investors
A 21.5% renter share at $350 per week produces a gross yield of roughly 3.2% against the $565,000 median, which is moderate but reflects a regional market rather than a high-growth corridor. The 5.5% vacancy rate is elevated compared to major centres, suggesting some absorption risk if local employment conditions soften. Development activity is low at 12 applications in the past 12 months, pointing to constrained new supply. The household income at the 31st percentile nationally keeps rent growth modest, and the 2.6% price decline from 2024 to 2025 indicates no near-term capital uplift. Investors seeking yield stability may find this market appealing, but those targeting capital growth should note the current softening trend.
Development Activity
Total DAs
116
Last 12 Months
13
YoY ChangeiYear-over-year change in DA lodgements
-40.9%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Schools in Cundletown iICSEA: school advantage index. 1000 = national avg, higher = more advantaged
Manning Valley Anglican College
K-12 · 758 students
Cundletown Public School
K-6 · 265 students
Demographics
The median age of 46 sits six years above the national figure, consistent with the aging-resident-base identity the suburb carries. Overseas-born residents make up just 6.1% of the population, roughly 15.5 percentage points below the national average, giving the suburb a strongly Anglo-Celtic character. Ancestry data confirms this: English (875 residents), Irish (244) and Scottish (179) lead all groups. University qualifications reach only 14.6%, which is 15.5 percentage points below the national rate, reflecting the workforce composition and industry mix. Average household size of 2.5 matches the national figure, though the family profile leans toward couples without children at 29.3% of families.
Age Distribution
Bedrooms
Dwelling Structure
95.2%
Houses
1.7%
Townhouse
0.4%
Apartment
Tenure
Tenure in Cundletown skews strongly toward ownership: 43.8% of residents own outright and 34.7% carry a mortgage, leaving renters at just 21.5%, below the NSW state average. This outright-ownership rate is notable and reflects the older resident profile, where residents have had time to pay off loans. Price history shows a move from $575,000 in 2024 to $560,000 in 2025, a 2.6% fall. Three-bedroom homes account for 51.1% of dwellings and four-plus bedroom homes for 36.4%, so smaller stock is relatively rare. The rent-to-income ratio of 26.8% is below the 30% stress level, meaning the rental market remains manageable for local tenant incomes at the 31st percentile nationally.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$1,387
Rent / wk
$350
HH Size
2.5
Personal Income / wk
$640
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
5.5%
Unoccupied
43
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
26.8%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
24.5%
Community Profile
Ancestry
Household Composition
29.3%
Couples, no children
1,537
Total families
Economy & Employment
Healthcare dominates local employment at 27.2% of the workforce (142 workers), more than double the second-placed Education sector at 12.8%. Construction follows at 11.7% and Retail at 8.0%, indicating a service-and-trades economy rather than a professional services hub. The most common occupations are Community and Personal Services (154 workers), Professionals (117) and Sales (99). The unemployment rate of 5.4% is above the national average, and the participation rate of 49.2% is low, partly because a large share of residents aged 46 and over are not in the labour force (683 people). Weekly personal income averages $640, placing the suburb well below national earnings benchmarks, but housing costs are proportionately lower.
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
61.4%
Part-time
33.2%
Participation
49.2%
Employed
778
Occupations
Top Industries
University
14.6%
Postgraduate
2.2%
Born Overseas
6.1%
Dwellings
725
Transport to Work
Car dependence is defining for Cundletown: 92.3% of residents drive to work, above the national norm, and the walked-or-cycled share is just 2.3%, reflecting limited pedestrian infrastructure in a low-density regional setting. No schools are recorded within the suburb boundary in this dataset, so families commute to nearby Manning Valley facilities. Crime data is not available for this suburb, though the low-density, high-owner-occupier profile with 43.8% outright ownership and 80.5% residential stability typically correlates with lower incident rates. Volunteering at 14.7% reflects a level of community participation consistent with regional owner-occupier areas. Rent-to-income at 26.8% keeps housing affordable for the local income base, and mortgage stress at 24.5% remains below the 30% threshold.
Drive
92.3%
Public Transport
N/A
Walk / Cycle
2.3%
Work from Home
N/A
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Cundletown compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Cundletown a good suburb to live in?
Cundletown suits those seeking affordable, low-density living in regional NSW. The mortgage-to-income ratio is 24.5%, below the 30% stress level, and 43.8% of residents own their home outright. The trade-offs are limited public transport, no recorded schools within the suburb boundary, and a household income sitting at the 31st percentile nationally.
What is the median house price in Cundletown?
The median house price is $565,000, down 2.6% from $575,000 in 2024. Monthly mortgage repayments average $1,387 and weekly rent averages $350. The mortgage-to-income ratio of 24.5% is below the 30% stress threshold, making ownership relatively manageable compared to Sydney metro markets.
What schools are in Cundletown?
No schools are recorded within the Cundletown suburb boundary in this dataset. Families typically access schools in nearby Manning Valley centres. The suburb's university qualification rate of 14.6% is 15.5 percentage points below the national average, consistent with a regional workforce profile.
Is Cundletown safe?
Detailed crime statistics are not available for Cundletown in this dataset. As indirect indicators, 80.5% of residents stayed at the same address over the measured period and 43.8% own their homes outright, both associated with stable, lower-risk communities. Car dependence at 92.3% suggests a quiet, low-density area.
Is Cundletown good for property investment?
The gross rental yield is approximately 3.2%, based on $350 weekly rent against a $565,000 median. The 5.5% vacancy rate is elevated compared to tighter markets, and prices fell 2.6% from 2024 to 2025. Rental stress is low at 26.8% rent-to-income, but income growth at the 31st household income percentile nationally limits rent escalation potential.
How is Cundletown's population changing?
Cundletown's 2,050 residents are aging rather than growing, with a median age of 46, six years above the national figure. Residential stability is high at 80.5% staying put, and the overseas-born share is only 6.1%, well below the national rate. The labour force participation rate of 49.2% reflects a large retiree cohort.
How to read these comparisons
Phrases like "above the national average" reference the unweighted median across Australian suburbs with more than 1,000 residents, not population-weighted national figures. Suburb-level medians are more useful for ranking suburbs against each other; ABS census headlines are population-weighted (so dominated by Sydney and Melbourne) and can read very differently.
Current baseline (refreshed 2026-05-10): median age 40, university-educated 30.1%, born overseas 21.6%, average household size 2.5 people.
Data sources: ABS 2021 Census (demographics, income, tenure), state Valuer-General (house prices), Department of Jobs SALM (unemployment), ACARA (school ICSEA), state Crime Statistics agencies (offences), council DA portals (development applications). Population forecasts use a Hamilton-Perry cohort model calibrated to ABS ERP.
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