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Aerial view of Smiths Lake, NSW

Aerial view

Imagery © Esri

The quick read on

Smiths Lake

NSW 2428 · Mid-Coast

What homes cost, how rents have moved, and a feel for the people who call it home.

Median house
$825,000

latest suburb median

Population
1,332

ABS 2021

Postcode
2428

Smiths Lake, New South Wales

Property market insights for Smiths Lake

Median sale price and rental income of properties in Smiths Lake NSW

Median price trend for houses

Based on 50 sales in the preceding 12 months

$825,000

Down 1.2% over 12 months

$1m$800k$600k20212023202420252026
3 bed
$810k
4 bed
$825k
5+ bed
$1.17m

Median rent trend for houses

Based on 32 rental listings in the preceding 12 months

$600 per week

Up 4.3% over 12 months

$700$600$500$40020212023202420252026

Market data updated October 2026.

The median house price in Smiths Lake, NSW is currently $825,000, based on the latest 12 months of sales. Smiths Lake has a 12-month growth rate of -1.2% for houses.

Three-bedroom houses have a median sale price of $810,000, Four-bedroom houses have a median sale price of $825,000, Larger houses have a median sale price of $1,170,000 in Smiths Lake.

If you're looking to lease, the median rent for houses in Smiths Lake is $600 per week. The median house rent has increased 4.3% over the last 12 months.

Crime and safety

Is Smiths Lake safe?

The overall rate for Smiths Lake is 1,301 offences per 100,000 residents — 61% 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 Smiths Lake.

Overall crime rate

1,301

offences per 100,000 residents

61% belowRest of NSW

Smiths LakeRest 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 Smiths Lake?

Smiths Lake NSW 2428 is in New South Wales, within Rest of NSW.

1,332 people call Smiths Lake home, with an average of 2.3 people per household and a median household income of $1,210 a week.

Public ABS 2021 Census figures. The bars compare the local share with the capital-region benchmark.

Population
1,332
Median age
49 years
Median mortgage
$1,473 / month
2021 household rent
$380 / week
Above the benchmarkBelow the benchmarkIn lineRest of NSW benchmark

Age profile

Share of residents in each age band.

Under 1517.8%In line
15–3415.5%Below
35–5423.5%In line
55–7433.4%Above
75 and over8.8%Below

Homes

Share of occupied private dwellings.

Separate houses99.2%Above
Townhouses1.2%Below
Apartments0.0%Below

Ownership

Share of homes with a stated ownership or rental status.

Owned outright47.3%Above
Paying a mortgage35.8%Above
Renting16.9%Below

Cars at home

Vehicles available to occupied households.

No car1.7%Below
One car39.6%Above
Two cars42.7%Above
Three or more16.7%Below

Getting to work

Selected ways residents worked or travelled on Census day.

Worked from home16.8%Above
Drove to work57.8%Below
Train, tram or bus0.0%Below
Walked or cycled2.5%Below

What stands out in Smiths Lake

16.8% of workers in Smiths Lake worked from home on Census day.

4.0% of Smiths Lake residents were born in England.

50.3% of people in Smiths Lake described themselves as having no religion in the 2021 Census.

A closer look at the Census

Questions people ask about Smiths Lake

Open any question for a plain-English reading of the public 2021 Census for Smiths Lake NSW 2428.

Is Smiths Lake family-friendly?Age, family structure and household size describe the community families would be joining.

17.8% of Smiths Lake's residents were children under 15 in the 2021 Census. That is almost exactly typical for Rest of NSW.

377 family households lived in Smiths Lake; 30.0% were couple families and 18.0% were one-parent families.

31.3% of local families included children under 15. That is somewhat below the Rest of NSW average.

These are suburb-wide household figures, not school or childcare ratings.

What is the age profile of Smiths Lake?The balance between younger adults, families and older residents changes how a suburb feels day to day.

Smiths Lake had 1,332 residents at the 2021 Census.

18.6% of residents were aged 25 to 44.

42.2% were 55 or older. That is well above the Rest of NSW average.

Age shares use the suburb’s total Census population.

What kind of homes are in Smiths Lake?The dwelling mix shows whether the suburb is mostly detached homes, townhouses or apartments.

Separate houses made up 99.2% of occupied private dwellings in Smiths Lake.

Townhouses and other attached homes represented 1.2% of occupied private dwellings.

Flats and apartments accounted for 0.0% of occupied private dwellings.

All three shares use occupied private dwellings as the denominator.

Do people own or rent in Smiths Lake?Tenure shows how many households own outright, have a mortgage or rent.

47.3% of households with a stated tenure owned their home outright. That is well above the Rest of NSW average.

35.8% were buying their home with a mortgage.

16.9% rented their home. That is well below the Rest of NSW average.

Tenure shares include households that stated one of these three arrangements.

How large are households in Smiths Lake?Household-size data shows the mix behind the suburb-wide average.

The average household in Smiths Lake had 2.3 people.

One-person households made up 26.7% of occupied homes. That is close to the Rest of NSW average.

Two-person households represented 43.2%, while 19.4% had four or more usual residents.

Household size counts usual residents in occupied homes.

How do people get to work in Smiths Lake?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.

57.8% drove a car as their only travel method. That is somewhat below the Rest of NSW average.

0.0% used only a train, tram or bus, while 2.5% walked or cycled.

Travel figures are a 2021 Census-day snapshot.

How many cars do households have in Smiths Lake?Vehicle availability helps describe the routines local households can support.

1.7% of occupied households had no motor vehicle available. That is about half the Rest of NSW rate.

One-car households formed 39.6% of the total.

59.4% of households had two or more vehicles.

Vehicle counts refer to occupied households, not individual residents.

Who's moving to Smiths Lake, and who stays?Address history shows how settled or recently mobile residents were at the Census date.

56.1% were at the same address five years earlier, while 43.9% reported a different address.

12.4% of residents were born outside Australia. That is almost exactly typical for Rest of NSW.

Mobility figures cover residents who answered the relevant Census question.

What languages are spoken in Smiths Lake?Language at home gives a direct view of the community’s everyday linguistic mix.

89.3% of residents used only English at home.

3.5% used a language other than English at home.

0.0% spoke Mandarin at home, 0.0% spoke Cantonese and 0.0% spoke Hindi.

Home language is separate from English proficiency.

Where were Smiths Lake residents born?Birthplace adds another layer to the local story, separate from ancestry and language.

12.4% of Smiths Lake's population was born outside Australia, while roughly 87.6% was born in Australia.

0.0% of residents were born in China.

0.0% were born in India, while Australian citizenship across the whole suburb stood at 88.9%.

Birthplace, citizenship and ancestry describe different parts of identity.

What ancestries shape Smiths Lake?Ancestry responses show how residents describe family and cultural background.

English ancestry accounted for 45.7% of ancestry responses in Smiths Lake.

Australian ancestry made up 41.5% of responses.

Chinese ancestry represented 0.5% of responses.

People may nominate more than one ancestry, so these are shares of responses.

What work do people do in Smiths Lake?Occupation describes a person’s role; industry describes the sector employing them.

19.7% of employed residents worked in professional occupations. That is almost exactly typical for Rest of NSW.

Managers accounted for 12.3% of employed residents, while clerical and administrative workers made up 6.6%.

Health care and social assistance employed 15.2% of workers, and education and training employed 10.0%.

Occupation and industry figures describe employed residents of the suburb.

How active is the workforce in Smiths Lake?Participation, employment pattern and unemployment describe the resident labour force.

The labour-force participation rate was 50.4%, compared with 56.4% across Rest of NSW.

21.3% of residents aged 15 and over worked full time, while 21.7% worked part time.

Unemployment was 5.6%, compared with 4.6% across Rest of NSW.

Labour-force figures come from the 2021 Census.

What does the health profile of Smiths Lake show?Selected long-term health conditions help describe community service needs.

55.9% reported no selected long-term health condition.

7.4% reported a long-term mental health condition, including depression or anxiety.

8.3% reported asthma, 11.4% arthritis and 4.1% diabetes excluding gestational diabetes.

These are self-reported suburb-wide Census figures, not address-level health risks.

How educated is Smiths Lake?Qualifications describe the study pathways represented among local residents.

17.4% of people in the qualifications table held a bachelor degree. That is somewhat below the Rest of NSW average.

Postgraduate degrees accounted for 5.5% of qualification responses.

Diploma-level qualifications represented 15.8%, while certificate-level qualifications represented 42.7%.

Qualification categories are reported separately and are not school ratings.

What do incomes and housing costs look like in Smiths Lake?Census income and household payments give historical context for local living costs.

Median household income was $1,210 per week in the 2021 Census.

The median monthly mortgage repayment reported by local households was $1,473.

Occupied renting households reported a median rent of $380 per week.

These household figures are from 2021; current sale and asking-rent medians appear in the market section.

How does Smiths Lake compare with Rest of NSW?A few clear differences place the suburb in its wider metropolitan context.

Working from home was 16.8% in Smiths Lake, compared with 15.7% across Rest of NSW.

Outright ownership was 47.3% locally and 39.6% across Rest of NSW. That is well above the Rest of NSW average.

Renting accounted for 16.9% in Smiths Lake, 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 Smiths Lake

Is Smiths Lake expensive?

The median house price is $825,000. Bedroom count, land and condition still create a wide range around those suburb medians.

Is Smiths Lake good for families?

The Census counted 377 local families, and 17.8% 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 Smiths Lake?

Larger houses have a median around $1,170,000, 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 Smiths Lake

35 streets in Smiths Lake

Street-by-street reports are not published yet. The streets below are the ones this suburb covers.

  • Amaroo Dr
  • Ansett Ave
  • Box Tree Rd
  • Casson St
  • Charles St
  • Eagle Nest Pde
  • First Ridge Rd
  • Fourth Ridge Rd
  • Gordon Cr
  • Harcourt Cr
  • Heaney St
  • Hibiscus Cr
  • Karen Pl
  • Keith Cr
  • Lauff Rd
  • Lyn Cr
  • Macwood Rd
  • Matthew Rd
Show all 35 streets
  • Nature Pl
  • New Forster Rd
  • Orange Gr
  • Palm Cl
  • Paradise Dr
  • Patsys Flat Rd
  • Pepper Tree Ln
  • Phillip Rd
  • Sandbar View Pl
  • Scarfe St
  • Second Ridge Rd
  • Ski Cove St
  • The Jack
  • The Lakes Way
  • Third Ridge Rd
  • Tropic Gardens Dr
  • Valley Rd

Keep exploring

Is Smiths Lake 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.

Figures update as new market and census data arrives. This suburb overview is general information, not a valuation or financial advice.