Median price trend for houses
Based on 40 sales in the preceding 12 months
$940,000
Up 6.8% over 12 months
- 3 bed
- $900k
- 4 bed
- $1.12m
Aerial view
Imagery © Esri
The quick read on
Cardiff South
NSW 2285 · Lake Macquarie
What homes cost, how rents have moved, and a feel for the people who call it home.
- Median house
- $940,000
- Median unit
- $718,000
- Population
- 2,931
- Postcode
- 2285
latest suburb median
latest suburb median
ABS 2021
Cardiff South, New South Wales
Property market insights for Cardiff South
Median sale price and rental income of properties in Cardiff South NSW
Median rent trend for houses
Based on 43 rental listings in the preceding 12 months
$675 per week
Up 8.0% over 12 months
Market data updated October 2026.
The median house price in Cardiff South, NSW is currently $940,000, based on the latest 12 months of sales. Cardiff South has a 12-month growth rate of 6.8% for houses and 14.9% for units.
Three-bedroom houses have a median sale price of $900,000, Four-bedroom houses have a median sale price of $1,120,000 in Cardiff South.
If you're looking to lease, the median rent for houses in Cardiff South is $675 per week. The median house rent has increased 8.0% over the last 12 months.
The median price of apartments and units for sale in Cardiff South is $718,000, which has increased 14.9% since the same time last year. Two-bedroom apartments and units have a median sale price of $696,000, Three-bedroom apartments and units have a median sale price of $758,000 in Cardiff South. The median rent for units and apartments in Cardiff South is $625 per week and has increased 19.0% over the last 12 months.
Crime and safety
Is Cardiff South safe?
The overall rate for Cardiff South is 1,583 offences per 100,000 residents — 52% below the Rest of NSW benchmark.
That is the clearest suburb-wide answer. Open the detailed profile to see how the pattern changes across offence types and different parts of Cardiff South.
Overall crime rate
1,583
offences per 100,000 residents
52% belowRest of NSW
Cardiff SouthRest of NSW: 3,298
Suburb-wide estimate from Microburbs' public crime model; it is not an address-level measure.
The people behind the postcode
Who lives in Cardiff South?
Cardiff South NSW 2285 is in New South Wales, within Rest of NSW.
2,931 people call Cardiff South home, with an average of 2.5 people per household and a median household income of $1,688 a week.
Public ABS 2021 Census figures. The bars compare the local share with the capital-region benchmark.
- Population
- 2,931
- Median age
- 38 years
- Median mortgage
- $1,777 / month
- 2021 household rent
- $400 / week
Above the benchmarkBelow the benchmarkIn lineRest of NSW benchmark
Age profile
Share of residents in each age band.
Under 1518.2%In line
15–3427.0%Above
35–5426.9%Above
55–7421.1%Below
75 and over6.9%Below
Homes
Share of occupied private dwellings.
Separate houses89.6%Above
Townhouses7.9%Below
Apartments2.4%Below
Ownership
Share of homes with a stated ownership or rental status.
Owned outright33.5%Below
Paying a mortgage44.0%Above
Renting22.5%Below
Cars at home
Vehicles available to occupied households.
No car4.5%Below
One car34.4%Below
Two cars38.9%Above
Three or more22.7%Above
Getting to work
Selected ways residents worked or travelled on Census day.
Worked from home16.8%Above
Drove to work59.5%Below
Train, tram or bus0.5%In line
Walked or cycled0.8%Below
What stands out in Cardiff South
16.8% of workers in Cardiff South worked from home on Census day.
44.1% of people in Cardiff South described themselves as having no religion in the 2021 Census.
A closer look at the Census
Questions people ask about Cardiff South
Open any question for a plain-English reading of the public 2021 Census for Cardiff South NSW 2285.
Is Cardiff South family-friendly?Age, family structure and household size describe the community families would be joining.
18.2% of Cardiff South's residents were children under 15 in the 2021 Census. That is almost exactly typical for Rest of NSW.
814 family households lived in Cardiff South; 44.7% were couple families and 20.5% were one-parent families.
38.1% of local families included children under 15. That is somewhat above the Rest of NSW average.
These are suburb-wide household figures, not school or childcare ratings.
What is the age profile of Cardiff South?The balance between younger adults, families and older residents changes how a suburb feels day to day.
Cardiff South had 2,931 residents at the 2021 Census.
26.5% of residents were aged 25 to 44.
28.0% were 55 or older. That is well below the Rest of NSW average.
Age shares use the suburb’s total Census population.
What kind of homes are in Cardiff South?The dwelling mix shows whether the suburb is mostly detached homes, townhouses or apartments.
Separate houses made up 89.6% of occupied private dwellings in Cardiff South.
Townhouses and other attached homes represented 7.9% of occupied private dwellings.
Flats and apartments accounted for 2.4% of occupied private dwellings.
All three shares use occupied private dwellings as the denominator.
Do people own or rent in Cardiff South?Tenure shows how many households own outright, have a mortgage or rent.
33.5% of households with a stated tenure owned their home outright. That is well below the Rest of NSW average.
44.0% were buying their home with a mortgage.
22.5% rented their home. That is somewhat below the Rest of NSW average.
Tenure shares include households that stated one of these three arrangements.
How large are households in Cardiff South?Household-size data shows the mix behind the suburb-wide average.
The average household in Cardiff South had 2.5 people.
One-person households made up 25.0% of occupied homes. That is somewhat below the Rest of NSW average.
Two-person households represented 32.2%, while 25.1% had four or more usual residents.
Household size counts usual residents in occupied homes.
How do people get to work in Cardiff South?Census-day travel shows the balance between home, road, public transport and active travel.
16.8% of workers worked from home on Census day. That is close to the Rest of NSW average.
59.5% drove a car as their only travel method. That is close to the Rest of NSW average.
0.5% used only a train, tram or bus, while 0.8% walked or cycled.
Travel figures are a 2021 Census-day snapshot.
How many cars do households have in Cardiff South?Vehicle availability helps describe the routines local households can support.
4.5% of occupied households had no motor vehicle available. That is close to the Rest of NSW average.
One-car households formed 34.4% of the total.
61.5% of households had two or more vehicles.
Vehicle counts refer to occupied households, not individual residents.
Who's moving to Cardiff South, and who stays?Address history shows how settled or recently mobile residents were at the Census date.
66.3% were at the same address five years earlier, while 33.7% reported a different address.
8.4% of residents were born outside Australia. That is somewhat below the Rest of NSW average.
Mobility figures cover residents who answered the relevant Census question.
What languages are spoken in Cardiff South?Language at home gives a direct view of the community’s everyday linguistic mix.
90.1% of residents used only English at home.
5.8% used a language other than English at home.
0.4% spoke Mandarin at home, 0.0% spoke Cantonese and 0.1% spoke Hindi.
Home language is separate from English proficiency.
Where were Cardiff South residents born?Birthplace adds another layer to the local story, separate from ancestry and language.
8.4% of Cardiff South's population was born outside Australia, while roughly 91.6% was born in Australia.
0.5% of residents were born in China.
0.3% were born in India, while Australian citizenship across the whole suburb stood at 93.1%.
Birthplace, citizenship and ancestry describe different parts of identity.
What ancestries shape Cardiff South?Ancestry responses show how residents describe family and cultural background.
English ancestry accounted for 41.3% of ancestry responses in Cardiff South.
Australian ancestry made up 43.9% of responses.
Chinese ancestry represented 1.5% of responses.
People may nominate more than one ancestry, so these are shares of responses.
What work do people do in Cardiff South?Occupation describes a person’s role; industry describes the sector employing them.
17.3% of employed residents worked in professional occupations. That is close to the Rest of NSW average.
Managers accounted for 10.1% of employed residents, while clerical and administrative workers made up 13.1%.
Health care and social assistance employed 21.4% of workers, and education and training employed 8.1%.
Occupation and industry figures describe employed residents of the suburb.
How active is the workforce in Cardiff South?Participation, employment pattern and unemployment describe the resident labour force.
The labour-force participation rate was 66.8%, compared with 56.4% across Rest of NSW.
35.7% of residents aged 15 and over worked full time, while 23.8% worked part time.
Unemployment was 3.7%, compared with 4.6% across Rest of NSW.
Labour-force figures come from the 2021 Census.
What does the health profile of Cardiff South show?Selected long-term health conditions help describe community service needs.
54.7% reported no selected long-term health condition.
12.6% reported a long-term mental health condition, including depression or anxiety.
9.6% reported asthma, 9.8% arthritis and 6.3% diabetes excluding gestational diabetes.
These are self-reported suburb-wide Census figures, not address-level health risks.
How educated is Cardiff South?Qualifications describe the study pathways represented among local residents.
18.9% of people in the qualifications table held a bachelor degree. That is close to the Rest of NSW average.
Postgraduate degrees accounted for 4.7% of qualification responses.
Diploma-level qualifications represented 16.4%, while certificate-level qualifications represented 47.4%.
Qualification categories are reported separately and are not school ratings.
What do incomes and housing costs look like in Cardiff South?Census income and household payments give historical context for local living costs.
Median household income was $1,688 per week in the 2021 Census.
The median monthly mortgage repayment reported by local households was $1,777.
Occupied renting households reported a median rent of $400 per week.
These household figures are from 2021; current sale and asking-rent medians appear in the market section.
How does Cardiff South compare with Rest of NSW?A few clear differences place the suburb in its wider metropolitan context.
Working from home was 16.8% in Cardiff South, compared with 15.7% across Rest of NSW.
Outright ownership was 33.5% locally and 39.6% across Rest of NSW. That is well below the Rest of NSW average.
Renting accounted for 22.5% in Cardiff South, against 27.9% across Rest of NSW.
Capital-region comparisons use the same Census definitions and year.
Three useful questions
A buyer’s quick guide to Cardiff South
Is Cardiff South expensive?
The median house price is $940,000, while units and apartments sit at $718,000. Bedroom count, land and condition still create a wide range around those suburb medians.
Is Cardiff South good for families?
The Census counted 814 local families, and 18.2% of residents were under 15. That describes the community; school quality, travel times and the right fit for a particular family need separate research.
What can I get for $1.5m in Cardiff South?
4-bedroom houses have a median around $1,120,000, the closest bedroom benchmark we hold to a $1.5m budget. Individual homes can differ substantially with block size, renovation and location.
Medians describe recorded market activity across the suburb; they are historical context, not a valuation or forecast for an individual home.
Explore the area
Streets and suburbs around Cardiff South
56 streets in Cardiff South
Street-by-street reports are not published yet. The streets below are the ones this suburb covers.
- Ada St
- Almora Cl
- Arthur St
- Bancks Ave
- Beeson St
- Benjamin St
- Bressay Cl
- Camille Cr
- Coolum Pl
- Corwen Cl
- Crockett St
- Elizabeth St
- Elm Ave
- Ethel St
- Eveleen St
- Fifth St
- First St
- Florence St
Show all 56 streetsShow fewer streets
- Florina Cl
- Fourth St
- Francis St
- Gertrude St
- Gimbert St
- Haddington Dr
- Helen St
- Hillsborough Rd
- Huntington
- John St
- Killara Dr
- Knight St
- Krista Ct
- Lake Ave
- Laura Pl
- Leanda Pl
- Lewis St
- Macquarie Rd
- Manuka Cl
- Maud St
- May St
- Middle Street
- Oak Ave
- Orchard St
- Peach Ave
- Pebmarsh Cl
- Pine Ave
- Prince St
- Saffron Ave
- Second St
- Selsey Cl
- Sixth St
- Sophia Ct
- Terence St
- The Grange
- Third St
- Water St
- Waterview Rd
12 suburbs surrounding Cardiff South
Compare nearby suburb prices, rents and five-year market trends.
Keep exploring
Is Cardiff South right for your search?
Use the finders to compare places and properties, or open the full report when you need the street, risk, schools and growth research.
Read the thinking
Figures update as new market and census data arrives. This suburb overview is general information, not a valuation or financial advice.