Question 1

Is Cardiff South a nice place to live?

Accepted Answer

Cardiff South is a practical residential pocket on the Lake Macquarie and Newcastle fringe, just south of Cardiff. Its level, tree-lined streets are mainly modest post-war brick and weatherboard homes with pockets of newer infill and tidy backyards. It tends to appeal to families and tradespeople who prefer straightforward suburban living, with parks, sporting fields and neighbourhood shops close by. Transport links and the nearby Cardiff train station make commutes manageable, and larger retail and employment centres in Cardiff and Newcastle are easily reached.

Home to 2,931 people, Cardiff South has a median age of 38 and a median household income of $1,688 a week, about $87,800 a year. The community leans strongly towards couple families, who together make up 78.1% of families, and most homes are owner-occupied (33.5% owned outright and 44.0% with a mortgage) while 22.5% are rented. There are no significant new infrastructure projects reported, though land is identified for a public reserve and a children’s playground associated with the adjoining school. Whether that suits you depends on what you’re looking for in a suburb.

Question 2

Is it expensive to live in Cardiff South?

Accepted Answer

House rents in Cardiff South are about $680 a week. Against a typical local household income of $1,688 a week as recorded at the most recent Census, that rent would take about 40.3% of a household's weekly income, which is a large share.

For people considering renting, that rent share is the key number to watch; whether it feels expensive will depend on your own income and circumstances.

Everyone's financial situation is different, so it's important to consider your own circumstances when deciding which suburb is right for you.

Question 3

Is Cardiff South a good place to invest?

Accepted Answer

House values in Cardiff South climbed 9.5% over the past 12 months, a solid rise in what houses are worth. Over the same period house rents increased 7.4%, a solid lift in the rental income those houses produce.

Put together, the numbers show capital growth for houses has edged ahead of rental growth this year, so price appreciation moved a little faster than the rent those houses earn. If rental income is your priority, the rent figure is the one that matters; if capital growth is your focus, look to the value change. Whether that balance suits your goals depends on your own circumstances.

This information has been prepared without taking your objectives, needs and overall financial situation into account. It is not meant to be a substitute for professional financial advice. For this reason, you should consider the appropriateness of the information and, if necessary, seek appropriate professional advice.

	Houses	Units
Median price Past 3 months	N/A	N/A
Change in value Past 12 months	9.5%	N/A
Sold Past 3 months	9	N/A
Median days on market Past 12 months	14	N/A
Average rent Past 12 months	$680	N/A
Change in rent Past 12 months	7.4%	N/A

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