Mardi
At a median house price of $912,500 on a 9.5 km2 footprint 40 km north of Sydney, Mardi sits firmly in the mortgage-belt tier: 40.7% of dwellings carry a mortgage and households earn at the 73.4th percentile nationally. The suburb's 3,598 residents are younger than the national median at 37 versus the national 40, and the housing stock is overwhelmingly detached, with 78% separate houses and 58.4% of dwellings having 4 or more bedrooms. A 77.2% stay rate over five years indicates strong residential stability, unusual for a suburb where only 29.2% own outright.
Population
3,598
Median Age
37.0
Household IncomeiMedian weekly household income (ABS Census)
$1,955/wk
DAs (12 months)iDevelopment Applications lodged in the past year
18
Median House
$912K
2024-2025 (PSI derived)
The $912,500 median house price rose 3.3% from $900,000 in 2024 to $930,000 in 2025, a modest but positive trajectory. Monthly mortgage repayments average $1,913, giving a mortgage-to-income ratio of 22.6%, comfortably below the 30% stress threshold. The stock is heavily oriented toward families: 78% of dwellings are separate houses, and 58.4% have 4 or more bedrooms, higher than most comparable NSW coastal-fringe suburbs. Semi-detached homes account for 20.1%, while apartments are just 1.9%, so buyers seeking a freestanding family home will find deep supply. Outright owners at 29.2% are outnumbered by mortgage holders at 40.7%, a mortgage-belt signal that most of the base is still actively servicing debt.
For Buyers
The $912,500 median house price rose 3.3% from $900,000 in 2024 to $930,000 in 2025, a modest but positive trajectory. Monthly mortgage repayments average $1,913, giving a mortgage-to-income ratio of 22.6%, comfortably below the 30% stress threshold. The stock is heavily oriented toward families: 78% of dwellings are separate houses, and 58.4% have 4 or more bedrooms, higher than most comparable NSW coastal-fringe suburbs. Semi-detached homes account for 20.1%, while apartments are just 1.9%, so buyers seeking a freestanding family home will find deep supply. Outright owners at 29.2% are outnumbered by mortgage holders at 40.7%, a mortgage-belt signal that most of the base is still actively servicing debt.
For Investors
Renters make up 30.1% of Mardi households, providing a steady tenant base, and weekly rent averages $440. The vacancy rate of 3.7% is slightly elevated compared to typical investment-grade benchmarks of under 3%, signalling modest softness in rental demand. Development activity logged 17 applications in the past 12 months, mostly structural works and subdivision rather than new dwelling supply. Rent-to-income sits at 22.5%, below the stress threshold, which means tenants are financially stable. The price growth of 3.3% over the most recent period is positive but below higher-growth corridors, making capital appreciation the medium-term thesis rather than yield, where $440 rent against a $912,500 median implies a gross yield near 2.5%.
Development Activity
Total DAs
75
Last 12 Months
18
YoY ChangeiYear-over-year change in DA lodgements
+100.0%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Demographics
The median age of 37 is 3 years below the national figure, consistent with a family-formation suburb drawing younger buyers. The overseas-born share at 20.5% is 1.1 points below the national average, and ancestry is predominantly Anglo-Celtic, led by English (1,486), Irish (390) and Scottish (369). Non-English languages are spoken by small numbers, with Mandarin, Korean, Cantonese, Hindi and Punjabi each recorded at 11 to 15 speakers, reflecting a predominantly English-speaking community. University qualifications reach 28.8%, 1.3 points below the national average. Average household size of 2.8 is 0.3 above national, in line with the large family-oriented housing stock and the high share of couples with children at 1,304 families.
Age Distribution
Bedrooms
Dwelling Structure
78.0%
Houses
20.1%
Townhouse
1.9%
Apartment
Tenure
The tenure mix leans heavily toward mortgage holders: 40.7% carry a mortgage, 29.2% own outright, and 30.1% rent, a profile more leveraged than the national average. Separate houses dominate at 78%, with semi-detached at 20.1% and apartments at just 1.9%. Bedrooms skew large, with 58.4% of dwellings having 4 or more rooms, above the national norm, and only 5% having 2 or fewer. The median price tracked from $900,000 in 2024 to $930,000 in 2025, a 3.3% rise, and the current median sits at $912,500. Mortgage repayments of $1,913 per month against a household income at the 73.4th percentile keeps mortgage stress low, and neither rent nor mortgage stress flags are triggered in the data.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$1,913
Rent / wk
$440
HH Size
2.8
Personal Income / wk
$790
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
3.7%
Unoccupied
47
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
22.5%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
22.6%
Community Profile
Languages Spoken at Home
Ancestry
Household Composition
20.1%
Couples, no children
3,044
Total families
Economy & Employment
Healthcare is the dominant industry, employing 20.3% of local workers (231 residents), followed by Education at 10.4% (119) and Construction at 9.6% (110). Public Admin and Professional/Tech each contribute around 8-9% of employment. By occupation, Professionals (334) lead, followed by Clerical/Admin (250), Community/Personal service (216), Managers (204) and Sales (169). The full-time employment rate is 63.9% and the unemployment rate sits at 4.6%, slightly above low-risk benchmarks. Weekly personal income averages $790 and household income $1,955, placing Mardi at the 73.4th percentile nationally. Participation at 56.0% is moderate, with 904 residents not in the labour force, likely reflecting the age structure and parenting cohort.
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
63.9%
Part-time
31.5%
Participation
56.0%
Employed
1,519
Occupations
Top Industries
University
28.8%
Postgraduate
5.3%
Born Overseas
20.5%
Dwellings
1,229
Transport to Work
Car dependency is high, with 89.1% of residents driving to work and only 2.4% using public transport, lower than the state average, which reflects Mardi's position as a lower-density coastal-fringe suburb. Walking or cycling accounts for 2.9% of commutes. No schools are recorded within the suburb boundary in this dataset, so families rely on institutions in adjoining areas such as Tumbi Umbi and Wyong. Crime data is not available for Mardi at the suburb level. Community engagement is moderate, with 12.2% of residents volunteering, and 6.6% (226 people) require daily assistance, a share consistent with the age profile. Rent-to-income at 22.5% and mortgage-to-income at 22.6% both sit well below stress thresholds, giving residents of all tenure types financial headroom.
Drive
89.1%
Public Transport
2.4%
Walk / Cycle
2.9%
Work from Home
N/A
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How Mardi compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is Mardi a good suburb to live in?
Mardi suits families prioritising space and affordability relative to Sydney. Household income sits at the 73.4th percentile nationally, mortgage stress is below the threshold at 22.6% of income, and 77.2% of residents stayed over five years, indicating broad satisfaction. The trade-off is high car dependency, with 89.1% commuting by car, and limited public transport at 2.4%.
What is the median house price in Mardi?
The median house price is $912,500. Prices rose from $900,000 in 2024 to $930,000 in 2025, a 3.3% gain. Monthly mortgage repayments average $1,913, and the mortgage-to-income ratio of 22.6% is below the 30% stress threshold, making Mardi relatively accessible for its price point.
What schools are in Mardi?
No schools are recorded inside the Mardi suburb boundary in this dataset. Residents rely on schools in neighbouring suburbs including Tumbi Umbi and the broader Wyong area. The local university qualification rate is 28.8%, close to the national average, reflecting a broad mix of educational backgrounds.
Is Mardi safe?
Suburb-level crime statistics are not available for Mardi in this dataset. As context, housing stress is low, with both rent-to-income at 22.5% and mortgage-to-income at 22.6% below stress thresholds. Residential stability is high, with 77.2% of residents remaining in place over 5 years, typically associated with lower community disruption.
Is Mardi good for property investment?
Renters account for 30.1% of households with weekly rent at $440, implying a gross yield near 2.5% against the $912,500 median. The vacancy rate of 3.7% is slightly above the sub-3% benchmark preferred by investors. Price growth of 3.3% over 2024 to 2025 is positive, so the investment case depends on capital growth over time rather than yield.
How is Mardi's population changing?
Mardi has 3,598 residents with a median age of 37, which is 3 years below the national figure, pointing to a younger, family-oriented inflow. The turnover rate is 22.8% with 77.2% of residents staying, indicating stable but not stagnant population dynamics. Development applications of 17 in 12 months suggest modest structural growth rather than rapid expansion.
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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