Can you afford to live in Carlingford?

To rent in Carlingford without housing stress, a household income of about $128,000/year keeps the rent of $740/week at or below 30% of gross income — the standard affordability benchmark. That rent is the official median for a 2-bedroom unit — the most common new lease in postcode 2118 (28 bonds lodged). NSW publishes bond data by postcode rather than by suburb, so this is postcode 2118's figure, not Carlingford's alone. Check your income →

To buy the median home ($990,000) with a 20% deposit of $198k, repayments at 6.2% over 30 years come to about $4,851/month — comfortable on roughly $194,000/year under the same 30% rule. Saving that deposit at $1,500/month takes about 11.0 years, before stamp duty of $39k ($37k for eligible first home buyers). Run your own loan →

That price is an estimate, and probably too low. Unlike the rent above, no government publishes open sale prices for New South Wales, so we model it from distance, population and income. Where we can check that model against real sales, it runs about 40% under — so treat this figure, and the deposit and repayments built on it, as a rough scale rather than a number to plan around. How we're fixing this →

Compared to the rest of New South Wales, Carlingford is more expensive to buy than 94% of the state's suburbs (state median $380k) and pricier to rent than 87% (state median $565/week). It sits roughly 18 km from the Sydney CBD as the crow flies.

For investors, the median rent against the median price gives a gross rental yield of about 3.9% before costs. Net yield calculator →

Modelled medians, not valuations — every formula above is documented on our methodology page.