North St Marys
More than half of North St Marys residents rent their homes, yet 96.3% of the housing stock is detached houses, a combination uncommon in Western Sydney. The suburb sits in the 1st SEIFA decile across all four indexes, placing it below the bottom tenth nationally by advantage, while household income lands in the 27.9th percentile. Population grew 18.3% over the decade, driven by overseas migration averaging 206 arrivals per year. Median house prices reached $982,000 in 2025, up 11.6% from $880,000 in 2024, compressing affordability in an area where incomes lag the state average.
Population
4,123
Median Age
35.0
Household IncomeiMedian weekly household income (ABS Census)
$1,255/wk
DAs (12 months)iDevelopment Applications lodged in the past year
56
Median House
$950K
2024-2025 (PSI derived)
The median house price of $982,000 in 2025 rose 11.6% from $880,000 a year earlier. Monthly mortgage repayments average $1,800, and the mortgage-to-income ratio hits 33.1%, above the 30% stress threshold. The stock is strongly detached at 96.3% separate houses, with 3-bedroom homes at 56.9% and 4-plus bedroom at 23.8%. The 55.9% renter majority and elevated price-to-income ratio compared to nearby suburbs signal that first-home buyers face genuine serviceability pressure even before interest rate sensitivity is factored in.
For Buyers
The median house price of $982,000 in 2025 rose 11.6% from $880,000 a year earlier. Monthly mortgage repayments average $1,800, and the mortgage-to-income ratio hits 33.1%, above the 30% stress threshold. The stock is strongly detached at 96.3% separate houses, with 3-bedroom homes at 56.9% and 4-plus bedroom at 23.8%. The 55.9% renter majority and elevated price-to-income ratio compared to nearby suburbs signal that first-home buyers face genuine serviceability pressure even before interest rate sensitivity is factored in.
For Investors
A 55.9% renter majority sustains consistent tenant demand in postcode 2760. Weekly rent of $340 delivers reasonable yields relative to the $982,000 median. Vacancy stands at 5.4%, above the national average, suggesting some absorption softness. Overseas migration of 206 persons a year is the primary population driver, and 51 development applications in the past 12 months, including multiple secondary dwelling approvals, indicate that granny flat additions are an active local yield strategy.
Development Activity
Total DAs
178
Last 12 Months
56
YoY ChangeiYear-over-year change in DA lodgements
+75.0%
Avg DA CostiAverage estimated cost per DA in the past year
N/A
Monthly DA Lodgements
DA Categories
Schools in North St Marys iICSEA: school advantage index. 1000 = national avg, higher = more advantaged
St Marys North Public School
K-6 · 345 students
Chifley College Dunheved Campus
7-10 · 586 students
Demographics
North St Marys has a median age of 35, five years below the national figure. University qualifications reach only 15.5%, which is 14.6 percentage points below the national rate, consistent with the decile 1 IEO score. Overseas-born residents account for 24.8%, or 3.2 points above national. Ancestry skews Anglo-Celtic, led by English (1,175 residents), while Arabic (34), Samoan (31) and Mandarin (22) are the most common non-English languages. Average household size is 2.7 persons, and couples with children (1,049 families) outnumber couples without children (487), giving the area a family-oriented profile.
Age Distribution
Bedrooms
Dwelling Structure
96.3%
Houses
1.7%
Townhouse
0.9%
Apartment
Tenure
The housing stock is dominated by separate houses at 96.3%, far above the national average for urban suburbs, with apartments at 0.9% and semi-detached at 1.7%. Tenure skews firmly toward renting at 55.9%, with mortgage holders at 22.4% and outright owners at 21.7%. Three-bedroom homes make up 56.9% of the stock and 4-plus bedroom homes 23.8%. The median moved from $880,000 in 2024 to $982,000 in 2025. Mortgage stress is a real concern: the mortgage-to-income ratio of 33.1% exceeds the 30% threshold, while rent-to-income at 27.1% stays just under the stress line.
Median House Price Trend
Source: State Valuer-General
Mortgage / mo
$1,800
Rent / wk
$340
HH Size
2.7
Personal Income / wk
$597
Vacancy Ratei% of dwellings unoccupied on Census night (ABS 2021)
5.4%
Unoccupied
76
Rent / IncomeiMedian rent as % of household income. Over 30% = housing stress
27.1%
Mortgage / IncomeiMedian mortgage as % of household income. Over 30% = housing stress
33.1% stressed
Community Profile
Languages Spoken at Home
Ancestry
Household Composition
16.6%
Couples, no children
2,933
Total families
Economy & Employment
Healthcare leads at 18.9% of employed residents (127 workers), followed by Construction at 10.4%, Public Administration at 8.9%, Transport at 8.5% and Education at 8.2%. By occupation, Machinery Operators and Drivers form the largest group (248 workers), ahead of Labourers (189) and Clerical/Admin (178). The unemployment rate is 10.3%, significantly higher than the national average, and the participation rate is low at 38.3%. Household income sits in the 27.9th percentile nationally, with real income growth of 21.3% over the decade indicating some progress from a low base below state average.
Unemployment
9.0%
Labour Force
9,044
Unemployed
818
Quarterly Trend
Source: SALM Dec-25
Socio-Economic Indexes (SEIFA)iABS index ranking suburbs from 1 (most disadvantaged) to 10 (most advantaged)
Full-time
66.2%
Part-time
23.5%
Participation
38.3%
Employed
1,118
Occupations
Top Industries
University
15.5%
Postgraduate
3.6%
Born Overseas
24.8%
Dwellings
1,338
Transport to Work
Car dependency is high: 84.6% of employed residents drive to work, above the national norm, while only 4.0% use public transport. The suburb scores decile 1 on IRSAD, the most disadvantaged tier nationally. About 10.2% of residents (360 people) need daily assistance, above average for the age profile. Rent-to-income at 27.1% stays below the 30% threshold, but mortgage-to-income at 33.1% is in stress territory. No schools are recorded in the dataset, so families depend on facilities in neighbouring parts of the St Marys corridor.
Drive
84.6%
Public Transport
4.0%
Walk / Cycle
3.3%
Work from Home
N/A
Population Forecast
+1.3%/yr
(+243 people/yr)
EstablishedNorth St Marys is classified as established on a stable trajectory, with annual population growth of 1.3% adding roughly 243 persons per year. The 10-year population increase of 18.3% is stronger than many comparable Western Sydney suburbs. Overseas migration of 206 net arrivals annually is the dominant driver. Medium-scenario forecasts project the broader SA2 population reaching 20,104 by 2031 from 18,757 in 2025. The gentrification score of 18 classifies the area as not gentrifying, yet rent grew 33.3% and affordability improved from 56.2% to 50.3% between 2011 and 2021.
Historical + Forecast
Hamilton-Perry + Holt smoothing on ERP 2001-2025
Age Cohort Forecast
Primary Driver
Overseas Migration
Net Overseas / yr
+206
Net Internal / yr
-8
Gentrification Signal
Not gentrifying
Population +24% since 2011, Strong overseas inflow +206/yr
National Ranking iPercentile rank among ~15,000 AU suburbs. 90% = higher than 90% of suburbs
How North St Marys compares to ~15,000 Australian suburbs
Frequently Asked Questions
Is North St Marys a good suburb to live in?
North St Marys offers predominantly detached houses in postcode 2760, suited to families seeking space. The suburb scores decile 1 on all four SEIFA disadvantage indexes, with household income in the 27.9th percentile nationally. Public transport is limited, with 84.6% of residents driving to work, and local unemployment sits at 10.3%.
What is the median house price in North St Marys?
The median house price is $982,000 as of 2025, up 11.6% from $880,000 in 2024. Monthly mortgage repayments average $1,800, and the mortgage-to-income ratio of 33.1% is above the 30% stress threshold for typical local incomes.
What schools are in North St Marys?
No schools are recorded inside the North St Marys boundary in this dataset. Families rely on schools in adjacent areas of the St Marys corridor. The local university qualification rate is 15.5%, which is 14.6 percentage points below the national figure.
Is North St Marys safe?
Detailed crime rate data is not available for North St Marys in this dataset. As context, the suburb ranks in the 1st SEIFA decile on the index of relative disadvantage, the lowest tier nationally, and 10.2% of residents (360 people) require daily assistance, factors that indicate meaningful levels of socioeconomic vulnerability.
Is North St Marys good for property investment?
The renter share of 55.9% provides strong tenant demand, with weekly rent of $340. Vacancy at 5.4% is above average, signalling some softness. Overseas migration of 206 persons per year underpins growth, and 51 development applications in the past 12 months include multiple secondary dwelling approvals, pointing to active granny flat yield strategies.
How is North St Marys's population changing?
The suburb grew 18.3% over the past decade and currently expands at 1.3% annually, adding around 243 residents per year. Overseas migration at 206 net arrivals annually is the primary driver. Medium forecasts project the broader SA2 population reaching 20,104 by 2031, up from 18,757 in 2025.
How much development is happening in North St Marys?
There were 51 development applications lodged in the past 12 months. Recent approvals include multiple secondary dwellings and complying development certificates, reflecting a trend of granny flat additions to the 96.3% detached-house stock in this lower-income area seeking additional rental yield.
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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