Cardiff (NSW)

Suburb (SAL)

Rest of NSW / Lake Macquarie - East

 
 
 
 
 
 
 
Data Sources ABSValuer GeneralRental BoardACARA Newest Aug 2026 · Refreshed ABS QuickStats SAL10808 How we calculate this
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Suburb (SAL) Boundary Analysis

This analysis uses Suburbs and Localities (SAL) boundaries, which can materially differ from Statistical Areas (SA2) even when sharing the same name.

SAL boundaries are defined by Australia Post and the Australian Bureau of Statistics to represent commonly-known suburb names used in postal addresses.

Statistical Areas (SA2) are designed for census data collection and may combine multiple suburbs or use different geographic boundaries. For comprehensive analysis, consider reviewing both boundary types if available.

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Sales ActivityProperty Sales Trends in Cardiff (NSW)

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The median house price in Cardiff (NSW) is $885k, with units at $745k. House values have moved 5.9% a year compounded over five years.

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DemographicsPopulation Growth in Cardiff (NSW)

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Cardiff (NSW) has an estimated 7,014 residents, up from 6,318 at the 2021 Census — a change of 696 people, or 11.0%. Growth has averaged 2.3% a year over five years. Natural increase accounts for 52.0% of that increase. That puts 1,359 residents on each square kilometre. Population is estimated from ABS Estimated Resident Population releases and GNAF address data, re-based from the 2021 Census and updated annually.

Detail

According to investigations of ABS demographic updates for the wider region alongside newly confirmed addresses by AreaSearch after the Census, the suburb of Cardiff (NSW) has an estimated occupancy of approximately 7,014 individuals in May 2026. This represents an addition of 696 people (11.0%) compared to the 2021 Census, which recorded 6,318 residents. This shift is calculated from a resident population of 7,000, determined by AreaSearch after reviewing the latest ABS ERP release (June 2025) and incorporating 83 validated new addresses since the Census date. Such population levels represent a density of 1,359 persons per square kilometer, exceeding the typical figures recorded across standard Australian localities by AreaSearch.

The 11.0% expansion in the suburb of Cardiff (NSW) since the 2021 census outpaced the SA3 region (3.2%) and the Rest of NSW, positioning it as a local growth frontrunner. Natural expansion was the primary driver of this demographic uplift, accounting for roughly 52.0% of the total population increases in recent times, though all components including overseas and interstate migration made positive contributions. AreaSearch implements ABS/Geoscience Australia projections for each SA2 district, published in 2024 with 2022 as the base year. For any SA2 zones lacking this coverage, projections from the NSW State Government at the SA2 scale released in 2022 using 2021 as the base year are applied. Projected growth rates by age bracket from these datasets are also utilized for all locations from 2032 to 2041. Factoring in these demographic transitions, population growth exceeding the median of national regional territories is anticipated for the suburb of Cardiff (NSW), with an expected increase of 1,089 persons by 2041 using aggregated SA2 projections, representing an overall expansion of 15.3% over the 16 years.

Frequently Asked Questions - Population

What is the latest population estimate for the suburb of Cardiff?
Total population for the suburb of Cardiff was estimated to be approximately 7,014 as at May 26. This is based upon an estimated resident population of 7,000 from the ABS up to June 2025.
How has the population in the suburb of Cardiff changed since 2021?
The suburb of cardiff has added approximately 696 people and shown a 11.02% increase from the 6,318 people recorded at the 2021 Census period.
What is the population density in the suburb of Cardiff?
The population density in the suburb of Cardiff is estimated at 1,359 persons per square kilometer based on the latest population estimate.
How much has the population grown over the past 10 years in the suburb of Cardiff?
Over the past 10 years, the population in the suburb of Cardiff has shown a compound annual growth rate of 1.6% per annum.
What are the main drivers of population growth in the suburb of Cardiff?
Population growth in the suburb of Cardiff is driven by: Natural increase (52.0%), Overseas migration (41.0%), Interstate migration (8.0%). The primary driver is Natural increase, contributing 52.0% of overall population gains.

Residential SupplyHousing Development & Building Approvals in Cardiff (NSW)

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134 new dwellings have been approved in Cardiff (NSW) over the past five years, an average of 26 a year. That places the area in the 74th percentile for residential development activity nationally, about 4 approvals per 1,000 residents a year. Of the 24 dwellings approved in the latest reporting year, 58% were detached houses and the rest townhouses or apartments. Approvals are currently running at an annualised 40, running ahead of that longer-run average. Figures come from ABS building approvals aggregated to this Suburb (SAL) boundary and are updated monthly as the ABS releases them.

Detail

Based on AreaSearch assessments of ABS building approvals mapped from statistical divisions, Cardiff averages approximately 26 residential development approvals annually, with 134 homes approved over the last 5 financial years (between FY-21 and FY-25) and 37 approvals recorded during FY-26 so far. With an average of 5.5 new residents per year arriving per dwelling constructed over the last 5 financial years (between FY-21 and FY-25), the supply of housing is falling short of demand, which typically intensifies buyer competition and drives prices upward. Newly approved dwellings carry an average estimated construction cost of $395,000, which is moderately above regional baselines, pointing to a focus on premium builds.

Additionally, commercial development approvals totaling $3.5 million have been logged this financial year, highlighting the area's predominantly residential character. Compared with the Rest of NSW, Cardiff displays similar per-capita construction volumes, maintaining a balanced property market aligned with the wider area. Recent residential approvals consist of 58.0% detached dwellings and 42.0% attached dwellings, showcasing an evolving combination of attached designs that supply options across various budgets, ranging from large family residences to compact layouts. This marks a clear departure from the current housing stock (which stands at 83.0% houses), indicating a declining volume of vacant land and mirroring modern lifestyle preferences for more diverse, affordable living options. Recording approximately 231 people per dwelling approval, Cardiff shows a developing market. Projections for the future indicate Cardiff will welcome 1,075 residents by 2041 (calculated from the most recent AreaSearch quarterly figures). If current building rates remain unchanged, housing construction could fall behind population growth, which would likely increase competition among buyers and support price increases.

Frequently Asked Questions - Development

How many dwelling approvals have occurred in the suburb of Cardiff recently?
Dwelling approval activity in the the suburb of Cardiff area has seen 60 residential approvals over the past two financial years, based on AreaSearch's SA2 aggregation method. The suburb of Cardiff's current population of 7,014 has been supported by 26 approvals on average over recent years.
How does the suburb of Cardiff's development activity compare to the broader region?
The suburb of Cardiff has seen 0.41 approvals per 100 people in recent years, compared to 0.58 approvals in the broader region. This means that one dwelling has been approved for every 230 people in the suburb of Cardiff, compared to one for every 192 in the broader region.
Is the suburb of Cardiff keeping up with housing demand?
With the population expected to increase by 1,075 people by 2041, around 538 new dwellings will be necessary. Recent approval levels appear broadly sufficient to meet these forecasts, considering the census average of 2.0 persons per dwelling.
What has been the trend in development approvals over the past five years in the suburb of Cardiff?
Looking at development activity over the past five years, the suburb of Cardiff's approval levels have been significantly above the yearly average of 26, indicating strong recent growth in development activity.
How many dwellings will be needed to accommodate future population growth in the suburb of Cardiff?
The population in the suburb of Cardiff is expected to grow by 1,075 people by 2041, necessitating approximately 538 new dwellings. This calculation is based on the current census average of 2.0 persons per dwelling in the area.
How does recent development compare to population growth in the suburb of Cardiff?
Over the past five years, the population in the suburb of Cardiff has grown by approximately 1,331 people, while 134 residential approvals were recorded. This equates to a ratio of 9.9 people added for each new dwelling approval. This high ratio suggests strong population growth relative to housing supply, potentially indicating unmet housing demand.
Are there opportunities for residential developers in the suburb of Cardiff?
With dwelling approval activity running at an average of 26 approvals per year and a population of 7,014, the market appears to be reasonably balanced between supply and demand, presenting moderate opportunities for well-positioned developments. With the population expected to increase by 1,075 people by 2041, around 538 new dwellings will be necessary. Current approval trends may be insufficient to meet forecast demand, indicating strong development opportunities.
Approvals Pipeline Development applications near Cardiff (NSW)

Development applications around Cardiff (NSW)

Development approvals is a new addition to AreaSearch. We’re actively expanding council coverage and refining the dataset — details and statuses for some councils may be partial. Check back regularly for the latest pipeline.
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SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.

Project PipelineInfrastructure & Major Projects in Cardiff (NSW)

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AreaSearch tracks 3 current infrastructure and development projects inside Cardiff (NSW), worth an estimated $15 million. A further 23 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $6.62 billion. 6 are already under construction and 7 are due for completion within three years. The pipeline spans residential development, communities, precincts & urban renewal and retail. Records are compiled from Infrastructure Australia, state agencies, council planning portals and public announcements, reviewed and updated daily, then ranked by proximity, construction stage, completion horizon and project scale.

Detail

Local performance is heavily impacted by modifications to local infrastructure, major projects, and planning changes. AreaSearch has identified 11 active projects that are likely to impact the locality. Key initiatives include the Glendale City Centre Expansion, Vida - 2 Turrug Street Whitebridge, the Cardiff Strategic Planning Framework, and Garden Suburb, with the accompanying lists highlighting those of greatest significance.

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Frequently Asked Questions - Infrastructure

What are some of the major infrastructure and planning changes likely to influence the suburb of Cardiff?
Key infrastructure and planning changes likely to influence the suburb of Cardiff include: Glendale City Centre Expansion (Dev. Approval); Vida - 2 Turrug Street Whitebridge (Planning); Cardiff Strategic Planning Framework (Approved); Garden Suburb (Construction); and Lake Macquarie Bridge Replacement Program (Construction). These projects represent significant developments that will shape the area's future infrastructure landscape.
What types of infrastructure projects are impacting the suburb of Cardiff?
Infrastructure development impacting the suburb of Cardiff spans multiple sectors including Residential Development, Transport & Logistics, and Communities, Precincts & Urban Renewal, among others.
What is the scale of infrastructure investment impacting the suburb of Cardiff?
Infrastructure investment analysis indicates substantial capital deployment exceeding $2.3 billion in projects that will impact the extended area, with a notable concentration of investment within the immediate the suburb of Cardiff vicinity.
How does the suburb of Cardiff's infrastructure development compare to other areas?
The suburb of Cardiff ranks in the top 10% nationally for infrastructure development, reflecting exceptional investment activity compared to similar areas across the country.
Cardiff Strategic Planning Framework
Category: Communities, Precincts & Urban Renewal
Stage: Approved | Est. Comp: 2021
Source / Links: Link 1   Link 2  

The Cardiff Strategic Planning Framework guides public and private investment in buildings and infrastructure in Cardiff, supporting its development as a vibrant economic and civic centre within a highly liveable neighbourhood. It integrates the Movement and Place Framework and the Lake Macquarie Local Strategic Planning Strategy to identify opportunities for growth, investment, and improved urban amenity.

Communities, Precincts & Urban Renewal

ATUNE Cardiff Integrated Health Centre
Category: Health & Medical
Stage: Completed | Est. Comp: 2020
Source / Links: Link 1   Link 2  

ATUNE Cardiff is a 3000 square meter flagship integrated health facility offering a one-stop-shop for medical, allied health, and complementary services including general practice, physiotherapy, osteopathy, psychology, podiatry, naturopathy, dietetics, exercise physiology, massage, hydrotherapy, speech pathology, food pharmacy, IV lounge, rehabilitation gym, and recovery center.

Health & Medical

Lake Macquarie Bridge Replacement Program
Category: Transport & Logistics
Stage: Construction | Est. Comp: 2027
Source / Links: Link 1   Link 2  

Comprehensive program by Lake Macquarie City Council to replace and upgrade aging timber bridges and culvert structures across the LGA to ensure safe and efficient transport connectivity.

Transport & Logistics

Glendale City Centre Expansion
Category: Retail
Stage: Dev. Approval | Est. Comp: 2028

Expansion of Glendale City Centre following IP Generation's 2024 acquisition of the centre. The existing 2018 development approval provides for enclosure of the existing colonnade mall, around 7,700 sqm of additional retail floor space and a 1,900 sqm dining and restaurant precinct linking the shopping centre with Event Cinemas. As of 2026 the approval remains in place and the owner continues to identify the asset as having significant future redevelopment and expansion potential, however major construction has not commenced.

Retail

John Hunter Health and Innovation Precinct
Category: Health & Medical
Stage: Construction | Est. Comp: 2026
Source / Links: Link 1   Link 2  

The $835 million John Hunter Health and Innovation Precinct is a major redevelopment of the John Hunter and John Hunter Children's Hospitals. The centerpiece is a new seven-storey Acute Services Building delivering an expanded Emergency Department, 22 operating theatres, increased ICU capacity, and specialized care units. Construction is advancing rapidly toward completion in 2026, followed by operational commissioning and subsequent refurbishment works.

Health & Medical

Weemala at the Lake
Category: Residential Development
Stage: Construction | Est. Comp: 2027
Source / Links: Link 1   Link 2  

A master-planned residential community spanning 55 hectares in Boolaroo, offering elevated lots near Lake Macquarie with access to shopping, transport, and educational facilities. The multi-staged development by Green Capital Group will deliver approximately 500 new homes to the region.

Residential Development

Stockland Glendale Redevelopment (Stage 4 & 5)
Category: Retail
Stage: Completed | Est. Comp: 0
Source / Links: Link 1   

A significant multi-stage redevelopment of the Stockland Glendale shopping centre. Recent approvals include a new $23 million eight-screen cinema complex, a new restaurant precinct, and additional retail space. This is part of a broader $60 million+ masterplan for the centre.

Retail

Lake Macquarie Modular Social Housing
Category: Residential Development
Stage: Construction | Est. Comp: 2025
Source / Links: Link 1   Link 2  

The NSW Government is delivering five modular homes in Lake Macquarie as part of the $6.6 billion Building Homes for NSW program. Constructed off-site by Moov Modular using Modern Methods of Construction (MMC), these homes provide fast-tracked social housing to support vulnerable community members.

Residential Development

Jobs & IndustryEmployment Trends in Cardiff (NSW)

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3,643 residents of Cardiff (NSW) are employed, from a labour force of 3,831. Unemployment sits at 4.9%, with participation at 65.9%. Weighted for its industry mix, the area's sectors are forecast to grow about 6.8% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. Unemployment and labour force come from ABS Small Area Labour Markets, updated quarterly; the industry and occupation profile is from the 2021 Census.

Detail

Cardiff contains a workforce with solid qualifications and strong representation in essential service sectors, reporting an unemployment rate of 4.9% based on AreaSearch compilations of local statistical data. As of March 2026, 3,643 local residents are employed, with the unemployment rate sitting 0.8% higher than the Regional NSW benchmark of 4.1%, while workforce participation is considerably high (65.9% compared to 60.6% in Regional NSW). Census responses show that a moderate 21.4% of working residents performed their jobs from home, though the influence of Covid-19 restrictions should be kept in mind.

The major employment industries for local residents are health care & social assistance, construction, and retail trade. The locality shows a particularly strong concentration in health care & social assistance, with local employment ratios reaching 1.3 times the regional average. Conversely, agriculture, forestry & fishing is underrepresented, employing only 0.6% of Cardiff's workers compared to 5.3% in Regional NSW. A ratio of 0.7 workers for every resident at the Census indicates a level of local job opportunities that is above the norm. According to AreaSearch evaluations of SALM and ABS statistics aggregated from local regions, over the 12 months leading to March 2026, labor force numbers grew by 1.0% while employment numbers shrank by 0.7%, driving a 1.7 percentage point increase in the unemployment rate. Meanwhile, Regional NSW saw employment contract by 0.9% and the labor force shrink by 0.4%, leading to a 0.5 percentage point increase. National employment predictions from May-25 by Jobs and Skills Australia can provide extra clarity on future worker demand in Cardiff. These estimates, spanning five and ten-year horizons, have been modeled against local workforce distributions to project growth. Even though nationwide employment is projected to grow by 6.6% over five years and 13.7% over ten years, trends vary widely across sectors. Applying these industry projections to Cardiff's job distribution suggests local employment will rise by 6.8% over five years and 14.3% over ten years (note that this represents a basic weighted extrapolation for demonstration purposes and does not incorporate local population forecasts).

Frequently Asked Questions - Employment

What is the employment situation in the suburb of Cardiff?
As of March 2026, the suburb of Cardiff has approximately 3,643 employed residents with an unemployment rate of 4.9%. This healthy unemployment rate suggests a well-functioning labour market. Employment indicators are below the national average, suggesting room for improvement.
How does the suburb of Cardiff's unemployment rate compare to the broader region?
As of March 2026, the unemployment rate in the suburb of Cardiff stands at 4.9%, which is 0.8 percentage points above Regional NSW's rate of 4.1%. This higher unemployment rate may indicate local labour market challenges. For comparison, the national unemployment rate is 4.2%.
What are the major employment sectors in the suburb of Cardiff?
The employment landscape in the suburb of Cardiff is dominated by several key sectors. The largest employers are health care & social assistance (22.2% of employment), construction (10.7%), and retail trade (10.1%). Other significant employers include education & training and accommodation & food.
How has employment changed recently in the suburb of Cardiff?
Over the past year to March 2026, the suburb of Cardiff has experienced a decline in employment, with total jobs decreasing while the labour force increased. As a result, the unemployment rate has rise. By comparison, Regional NSW saw employment decreased and its unemployment rate rose.
What is the workforce participation rate in the suburb of Cardiff?
The workforce participation rate in the suburb of Cardiff is 65.9%, which represents the proportion of working-age residents who are either employed or actively seeking work. This healthy participation rate reflects good employment opportunities and workforce engagement. The local rate leading the Regional NSW average of 60.6%, indicating stronger workforce attachment in the local area.
Which industries are over-represented in the suburb of Cardiff's employment market?
The suburb of cardiff shows notable specialization in health care & social assistance, which employs 22.2% of the local workforce compared to 16.9% regionally. This moderate specialization indicates some local strength in the sector.
What are the employment growth prospects for the suburb of Cardiff?
Based on Jobs and Skills Australia projections applied to the suburb of Cardiff's industry mix, employment is expected to grow by 6.8% over the next five years and 14.3% over ten years. This exceeds the national forecast of 6.6% over five years, suggesting the area's industry composition is well-positioned for future growth. Steady growth is anticipated across multiple sectors, providing diverse employment opportunities.
How does the job market in the suburb of Cardiff compare nationally?
The suburb of cardiff's employment market shows below-average performance in national comparisons. While employment opportunities exist, the area faces more challenges than many other regions. Recent job advertisement trends show the broader employment region saw a 1.7% decline, ranking 21.0st out of 37 regions nationally.
What employment opportunities exist for skilled workers in the suburb of Cardiff?
Skilled workers will find excellent opportunities in the suburb of Cardiff, with knowledge-intensive sectors comprising 40.1% of local employment. Key sectors for skilled workers include health care & social assistance (22.2%), education & training (8.4%), and professional & technical (5.1%). With projected employment growth of 6.8% over five years, demand for skilled workers is expected to remain strong.

EarningsHousehold Income in Cardiff (NSW)

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Median household income in Cardiff (NSW) is $1,512 a week (about $79,000 a year), with median personal income at $780 a week. ATO records put median taxable income at $52,474 a year against an average of $62,423. Household income is from the 2021 Census; taxable income is from ATO Taxation Statistics for the latest financial year available, indexed forward using the ABS Wage Price Index.

Detail

The most recent postcode-level ATO statistics from AreaSearch for financial year 2023 indicate that incomes in Cardiff sit below the national average, with a median of $52,474 and an average of $62,423. This is in contrast to Regional NSW, where the median is $52,390 and the average is $65,215. Incorporating Wage Price Index growth of 10.32% since financial year 2023, contemporary valuations are estimated to be approximately $57,889 (median) and $68,865 (average) as of March 2026. Based on the 2021 Census, household, family, and personal earnings are all modest in Cardiff, placing between the 36th and 44th percentiles.

The income profile indicates that 34.4% of the population (2,412 individuals) earn within the $1,500 - 2,999 bracket, resembling regional trends where 29.9% are in this category. Hardships related to housing costs are significant, with just 82.2% of income remaining after housing costs, ranking at the 35th percentile.

Frequently Asked Questions - Income

What is the median taxable income in the suburb of Cardiff?
Based on Wage Price Index adjustments to March 2026, the estimated median taxable income in the suburb of Cardiff is approximately $57,889. The official ATO data from FY-23 recorded a median of $52,474.
What is the average taxable income in the suburb of Cardiff?
Based on Wage Price Index adjustments to March 2026, the estimated average taxable income in the suburb of Cardiff is approximately $68,865. The official ATO data from FY-23 recorded an average of $62,423.
How does the median taxable income in the suburb of Cardiff compare to the region?
Based on Wage Price Index adjustments to March 2026, the estimated median taxable income in the suburb of Cardiff is approximately $57,889 compared to $57,797 in Regional NSW. The official ATO data from FY-23 shows $52,474 and $52,390 respectively.
How does the average taxable income in the suburb of Cardiff compare to the region?
Based on Wage Price Index adjustments to March 2026, the estimated average taxable income in the suburb of Cardiff is approximately $68,865 compared to $71,945 in Regional NSW. The official ATO data from FY-23 shows $62,423 and $65,215 respectively.
What are the main income cohorts in the suburb of Cardiff according to the 2021 Census?
As per the 2021 Census, the income bracket containing the largest proportion (~34.4% / 2,412 persons) of the suburb of Cardiff's population is the $1,500 - 2,999 cohort.
How do the main income cohorts in the suburb of Cardiff compare to the region?
The largest income cohort in the suburb of Cardiff is the $1,500 - 2,999 group, representing about 34.4% of the population. In comparison, Regional NSW's largest income cohort is the $1,500 - 2,999 group, representing 29.9% of its population, according to the 2021 Census.
What is the median household income in the suburb of Cardiff according to the 2021 Census?
The 2021 Census data indicates that the median household income in the suburb of Cardiff is $1,512/wk.
What is the median family income in the suburb of Cardiff according to the 2021 Census?
According to the 2021 Census, the median family income in the suburb of Cardiff is $1,909/wk.
What is the median personal income in the suburb of Cardiff according to the 2021 Census?
The 2021 Census shows that the median personal income in the suburb of Cardiff is $780/wk.
How does the suburb of Cardiff's income rank nationally?
As per AreaSearch's latest postcode level ATO data released for FY-23, the suburb of Cardiff's median income among taxpayers is $52,474, with an average of $62,423. This is lower than average on a national basis, and compares to Regional NSW's median of $52,390 and average of $65,215. Based on Wage Price Index growth of 10.32% since FY-23, current estimates would be approximately $57,889 (median) and $68,865 (average) as of March 2026.
What is the disposable income in the suburb of Cardiff?
The estimated disposable income in the suburb of Cardiff is $5,387 per year according to AreaSearch analysis.
How does the suburb of Cardiff's disposable income compare to the region?
The suburb of cardiff's disposable income is $5,387 compared to $5,252 for Regional NSW, based on AreaSearch analysis.

Housing StockHousing & Dwellings in Cardiff (NSW)

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Cardiff (NSW) had 2,542 occupied dwellings at the 2021 Census, 83% detached houses and 6% apartments. 38% are owned with a mortgage, 31% rented and 31% owned outright. At that Census the median rent was $375 a week and the median mortgage repayment $1,733 a month. Rent absorbs 24.8% of household income here and mortgage repayments 26.4%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.

Detail

Residential structures in Cardiff at the time of the latest Census consisted of 82.6% separate houses and 17.5% alternative dwellings (such as semi-detached homes, units, or other options), compared to Regional NSW where separate houses made up 82.6% and alternative dwellings stood at 17.4%. Outright home ownership in Cardiff was lower than the Regional NSW rate at 30.9%, with the remaining properties occupied by people with a mortgage (37.8%) or renting (31.4%). The median monthly home loan payment was $1,733, matching the Regional NSW median of $1,733, whereas the median weekly rent stood at $375, compared to $330 in Regional NSW.

Across the country, mortgage commitments in Cardiff are lower than the Australian average of $1,863, whereas rent levels align with the national figure of $375.

Frequently Asked Questions - Housing

What percentage of homes are owned vs rented in the suburb of Cardiff?
In the suburb of Cardiff, 30.9% of homes are owned outright, 37.8% are owned with a mortgage, and 31.4% are rented.
What percentage of dwellings in the suburb of Cardiff are houses?
According to the latest data, 82.6% of dwellings in the suburb of Cardiff are houses.
What percentage of dwellings in the suburb of Cardiff are apartments or units?
In the suburb of Cardiff, 6.2% of dwellings are apartments or units, with an additional 11.0% being semi-detached dwellings.
What is the level of outright home ownership in the suburb of Cardiff?
Outright home ownership in the suburb of Cardiff stands at 30.9%, compared to 39.6% in Regional NSW.
What is the median monthly mortgage repayment in the suburb of Cardiff?
The median monthly mortgage repayment in the suburb of Cardiff is $1,733, compared to $1,733 in Regional NSW.
What is the median weekly rent in the suburb of Cardiff?
The median weekly rent in the suburb of Cardiff is $375, compared to $330 in Regional NSW.
What is the distribution of rental prices in the suburb of Cardiff?
In the suburb of Cardiff, 5.0% of rentals are $0-149/week, 29.1% are $150-349/week, 65.5% are $350-649/week, 0.4% are $650-949/week, and 0.0% are $950+/week.
What is the average monthly housing cost in the suburb of Cardiff?
The aggregate monthly housing cost in the suburb of Cardiff is $1,165, which represents the average monthly cost across all housing types.
What percentage of income do residents spend on housing in the suburb of Cardiff?
In the suburb of Cardiff, households with mortgages typically spend 26.4% of their income on mortgage repayments, while renters spend 24.8% of their income on rent.
How crowded are homes in the suburb of Cardiff?
The average persons per bedroom ratio in the suburb of Cardiff is 0.8, indicating the level of household density.
How does housing affordability in the suburb of Cardiff compare to the region?
Housing affordability in the suburb of Cardiff shows mortgage holders spending 26.4% of income on repayments (vs 27.9% regionally), while renters spend 24.8% of income on rent (vs 23.0% regionally).
What types of dwellings are most common in the suburb of Cardiff?
The dwelling mix in the suburb of Cardiff consists of 82.6% detached houses, 11.0% semi-detached dwellings, 6.2% apartments, and 0.3% other dwelling types.
What is the weighted average housing cost based on tenure mix in the suburb of Cardiff?
Accounting for the local ownership mix, the weighted average monthly housing cost is approximately $1,165. This accounts for outright owners paying no housing costs, mortgage holders paying $1,733/month, and renters paying $1,624/month.
How affordable is housing in the suburb of Cardiff relative to local incomes?
Housing in Cardiff consumes approximately 17.8% of median household income ($6,547 monthly), indicating costs are highly affordable. The generally accepted benchmark is that housing should not exceed 30% of household income.
How do proposed developments compare to existing housing types in the suburb of Cardiff?
Recent development applications in Cardiff show attached dwellings contributing 43% of approvals compared to 17% of existing stock, while detached houses represent 57% of applications versus 83% of current dwellings. This suggests increasing densification. Housing density growth is around the national average.

HouseholdsHousehold Composition in Cardiff (NSW)

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Cardiff (NSW) counted 2,542 households at the 2021 Census, an estimated 2,822 today, averaging 2.4 people each. 26% are couples with children, against 25% couples without children. 29% of households are people living alone, and families average 1.6 children. Household and family composition is measured only by the Census, so these are 2021 figures.

Detail

Families make up the majority of households at 66.7%, consisting of 26.1% couples with children, 25.3% couples without children, and 14.0% single parent arrangements. Non-family living situations account for the remaining 33.3%, with single-person households at 29.4% and group homes accounting for 3.8% of the total. The median household occupancy of 2.4 people matches the Regional NSW average.

Frequently Asked Questions - Households

How many households are in the suburb of Cardiff?
As of the 2021 Census, the suburb of Cardiff had 2,542 households. Based on population growth patterns, this has grown by approximately 11.0% to an estimated 2,822 households today.
What is the typical household size?
The median household size in the suburb of Cardiff is 2.4 people. This compares to 2.4 in Regional NSW and reflects the area's household composition mix.
What types of households are most common?
Family households dominate at 66.7% of all households. The remaining households consist of lone person households (29.4%), group households (3.8%), and other household types (0.0%).
How are families structured in the area?
Among the 1,695 family households, 26.1% are couples with children, 25.3% are couples without children at home, and 14.0% are single parent families. This mix shapes local demand for schools, family services, and housing types.
How does the suburb of Cardiff compare to regional household patterns?
Compared to Regional NSW, the suburb of Cardiff shows distinct household patterns. This higher proportion of single-person households drives demand for smaller dwellings and different community services.
What is the average family size?
Families in the suburb of Cardiff have an average of 1.6 children, slightly below the Regional NSW average of 1.8. This influences local demand for child-related services and larger family homes.
What are the marriage patterns in the suburb of Cardiff?
Marriage patterns reveal 39.5% of the adult population are currently married, while 40.6% have never married. This compares to 45.6% married and 34.3% never married across Regional NSW.
How significant are single-person households?
Single-person households represent 29.4% of all households in the suburb of Cardiff, similar to the regional average of 27.9%. This affects demand for smaller dwellings and single-person accommodation.
Are shared living arrangements common?
Group households (unrelated people sharing) account for 3.8% of households, well below the Regional NSW average of 3.3%. This low rate suggests limited student or young professional shared accommodation.
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EducationSchools & Education in Cardiff (NSW)

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20.7% of adults in Cardiff (NSW) hold a university qualification, including 14.8% with a bachelor degree and 3.8% with postgraduate qualifications. A further 30.2% hold a vocational qualification. 5 schools serve the area, with 1,311 enrolment places and an average ICSEA of 1,013 against a national benchmark of 1,000. Qualifications come from the 2021 Census; school enrolments, ICSEA and results come from ACARA's current release.

Detail

The locality presents educational disparities, with university graduation rates (20.7%) falling substantially below the NSW average of 32.2%. This represents a challenge as well as a chance for focused educational strategies. Bachelor degrees are the most common qualification at 14.8%, followed by postgraduate degrees (3.8%) and graduate diplomas (2.1%). Vocational and practical skills are common, with 40.1% of residents aged 15+ holding technical credentials, comprising advanced diplomas (9.9%) and certificates (30.2%). Learning engagement is high, with 27.5% of residents enrolled in formal studies. This comprises 9.4% in primary schools, 6.5% in secondary colleges, and 4.8% attending higher education programs.

Frequently Asked Questions - Education

What percentage of people in the suburb of Cardiff have university qualifications?
20.7% of people aged 15 and over in the suburb of Cardiff have university qualifications, compared to 21.3% in the broader region.
What percentage of people in the suburb of Cardiff have no formal qualifications?
39.1% of people aged 15 and over in the suburb of Cardiff have no formal qualifications, compared to 39.1% regionally.
How does the suburb of Cardiff's education level compare to national averages?
The suburb of cardiff ranks in the 46th percentile nationally for education based on AreaSearch's analysis of qualification and performance metrics.
What types of qualifications are most common in the suburb of Cardiff?
The most common qualifications in the suburb of Cardiff are: Certificate (30.2%), Bachelor Degree (14.8%), Advanced Diploma (9.9%).
What proportion of the suburb of Cardiff's population is currently attending educational institutions?
27.5% of the population in the suburb of Cardiff is currently engaged in formal education, with 9.4% in primary school, 6.5% in secondary school, 4.8% at university.
What is the ICSEA score for schools in the suburb of Cardiff?
The average ICSEA (Index of Community Socio-Educational Advantage) score for schools in the suburb of Cardiff is 1013, indicating average socio-educational advantage (national average is 1000).
How many schools are located within the suburb of Cardiff?
There are 5 schools within the suburb of Cardiff, with a combined enrollment of approximately 1,311 students.
What types of schools are available in the suburb of Cardiff?
The suburb of cardiff includes 4 primary schools, 1 secondary school.

Schools Detail

AmenitiesServices & Amenities in Cardiff (NSW)

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Getting AroundTransport & Commuting in Cardiff (NSW)

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Public transport in Cardiff (NSW) reaches 78 stops on 28 routes, timetabled for about 2,700 services a week. The typical home sits about 170 m from its nearest stop. Buses carry the largest share of public transport commuters. Households keep an average of 1.3 vehicles. Stop and service counts are built from operators' published GTFS timetables and refresh with each timetable release; vehicle ownership is from the 2021 Census.

Detail

Public transit assessment indicates 78 active transport stops are located within Cardiff, offering a combination of rail and bus links. These stops are served by 28 separate routes, providing 2,740 passenger journeys every week. Transit access is rated as excellent, with residents living an average of 170 meters from the nearest stop. Due to the area's residential focus, the majority of workers commute to other areas, with private vehicles remaining the primary mode of travel at 93%. Vehicle ownership averages 1.3 cars per home, which is below the regional average.

Additionally, 21.4% of residents work from home (based on the 2021 Census, which may show the impact of COVID-19 rules). Service frequency averages 391 journeys per day across all routes, which translates to roughly 35 weekly trips per stop.

Frequently Asked Questions - Transport

How many public transport stops are in Cardiff (NSW)?
There are 78 public transport stops within the suburb of Cardiff.
How frequent are the transport services in Cardiff (NSW)?
the suburb of Cardiff has 2,740 weekly trips across 28 routes, averaging 391 trips per day.
How far are residents from public transport in Cardiff (NSW)?
On average, residential properties are 170 meters from the nearest transport stop.

Transport Stops Detail

HealthcareHealth Services in Cardiff (NSW)

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60.2% of residents in Cardiff (NSW) report no long-term health condition, a less healthy profile than 86% of areas nationally. 7.1% need daily assistance with core activities, and 51.6% hold private health cover. The standardised death rate runs at 6.3 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.

Detail

Health indicators highlight clear challenges in Cardiff, according to AreaSearch analyses of mortality data and chronic illness rates, with common conditions showing notable prevalence across both younger and older cohorts, and private health cover uptake being low at approximately 52% of the population (~3,622 people). The most prevalent health issues recorded in the area were mental health conditions and arthritis, affecting 12.6% and 9.4% of residents, respectively, while 60.2% reported being free of any long-term medical conditions, compared to 63.3% across Regional NSW. The working-age cohort faces notable challenges with elevated chronic illness rates.

Residents aged 65 and over constitute 17.6% of the population (1,234 people), which is lower than the 23.4% proportion in Regional NSW. Health outcomes among older residents present some difficulties, with national rankings aligning generally with the broader populace.

Frequently Asked Questions - Health

How many people in the suburb of Cardiff have private health insurance?
Around 51.6% of people in the suburb of Cardiff are covered by private health insurance, which compares to 51.9% in the broader region of Regional NSW.
What percentage of the population requires ongoing medical assistance in the suburb of Cardiff?
In the suburb of Cardiff, 7.1% of the population is identified as requiring ongoing medical assistance. This figure is slightly different from the regional average, where 6.8% of people in Regional NSW require similar assistance.
How prevalent is asthma in the suburb of Cardiff?
9.0% of people in the suburb of Cardiff are diagnosed with asthma. In comparison, 8.4% of the population across Regional NSW is affected by asthma.
What percentage of people have diabetes in the suburb of Cardiff?
Diabetes affects 4.8% of the the suburb of Cardiff population, while in the surrounding region, 4.7% of people are diagnosed with diabetes.
What is the percentage of people with heart disease in the suburb of Cardiff?
3.7% of people in the suburb of Cardiff have heart disease. Across the region of Regional NSW, 4.4% of the population is affected by heart disease.
How does the suburb of Cardiff compare to the region in terms of overall private health coverage?
In the suburb of Cardiff, 51.6% of the population are estimated to have private health insurance. Comparatively, Regional NSW sees an estimated private health coverage rate of 51.9%.

Ancestry & LanguageCultural Diversity in Cardiff (NSW)

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Cardiff (NSW) is largely Australian-born, at 89.0% of residents, with 6.2% speaking a language other than English at home. The largest reported ancestries are Australian (31.6%) and English (29.9%). 4.1% of residents identify as Aboriginal and/or Torres Strait Islander. Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.

Detail

Cardiff shows below-average cultural diversity, with 89.0% of its residents born in Australia, 91.8% holding citizenship, and 93.8% using only English at home. The predominant religion is Christianity, accounting for 49.9% of the population. The most prominent statistical divergence is in the Other category, which represents 0.8% of residents, matching the 0.8% figure for Regional NSW. Regarding ancestry (referring to the birth country of parents), the three most common backgrounds in Cardiff are Australian at 31.6%, English at 29.9%, and Scottish at 8.3%. There are also notable differences in the concentration of other ethnic heritages: Welsh is overrepresented at 0.9% of Cardiff (compared to 0.5% in the region), Samoan stands at 0.5% (compared to 0.1%), and Polish is at 0.8% (compared to 0.5%).

Frequently Asked Questions - Diversity

What is the level of cultural diversity in the suburb of Cardiff?
Cardiff was found to be below average in terms of cultural diversity, with 89.0% of its population born in Australia, 91.8% being citizens, and 93.8% speaking English only at home.
What is the most common religion in the suburb of Cardiff?
The main religion in Cardiff was found to be Christianity, which makes up 49.9% of people in Cardiff. However, the most apparent overrepresentation was in Other, which comprises 0.8% of the population, compared to 0.8% across Regional NSW.
What are the top countries of origin in the suburb of Cardiff?
In terms of ancestry (country of birth of parents), the top three represented groups in Cardiff are Australian, comprising 31.6% of the population, English, comprising 29.9% of the population, and Scottish, comprising 8.3% of the population. Additionally, there are notable divergences in the representation of certain other ethnic groups: Welsh is notably overrepresented at 0.9% of Cardiff (vs 0.5% regionally), Samoan at 0.5% (vs 0.1%) and Polish at 0.8% (vs 0.5%).
How does the percentage of people born overseas compare to the regional average?
11.0% of the the suburb of Cardiff population was born overseas, compared to 13.0% regionally.
What percentage of the the suburb of Cardiff population speaks a language other than English at home?
6.2% of the population in the suburb of Cardiff speaks a language other than English at home, compared to 7.1% in the wider region.
How many people in the suburb of Cardiff identify as Australian Aboriginal?
4.1% of the the suburb of Cardiff population identifies as Australian Aboriginal, compared to 4.6% in the region.
What is the citizenship status of the population in the suburb of Cardiff?
91.8% of the the suburb of Cardiff population holds citizenship, compared to 89.2% in the wider region.

Age StructureAge Profile of Cardiff (NSW)

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The median resident of Cardiff (NSW) is 37. That is 1 year younger than at the 2021 Census. 29.0% of residents are aged 15 to 34. Age cohorts are not raw Census counts: the Census split is re-based to the latest ABS population estimates and state projections.

Detail

The median age of 37 years in Cardiff is considerably lower than the Regional NSW median of 43 and very close to the Australian median of 38. The age distribution highlights that 25 - 34 year-olds are particularly prominent (16.1%), whereas the 65 - 74 age group is smaller (8.4%) than in Regional NSW. Since 2021, the 35 to 44 age group grew from 14.2% to 15.7% of the population. Conversely, the 55 to 64 group declined from 10.5% to 9.4%, and the 65 to 74 group fell from 9.5% to 8.4%.

Looking forward to 2041, demographic forecasts suggest clear changes in Cardiff's age profile. The 25 to 34 age bracket is expected to expand by 376 people (33%) from 1,129 to 1,506, while both the 15 to 24 and 65 to 74 cohorts will see their numbers contract.

Frequently Asked Questions - Age

What is the median age in the suburb of Cardiff?
According to the latest data, the median age in the suburb of Cardiff is 37 years.
How does the suburb of Cardiff's median age compare to broader areas?
At 37 years, Cardiff is 6 years younger than the Regional NSW average (43 years) and comparable to the national average (38 years).
What age groups are over-represented in the suburb of Cardiff?
The most over-represented age group in the suburb of Cardiff compared to the Regional NSW region is the 25 - 34 group, making up 16.1% of the population.
What age groups are under-represented in the suburb of Cardiff?
The most under-represented age group in the suburb of Cardiff compared to the Regional NSW region is the 65 - 74 group, making up 8.4% of the population.
Are there age groups with notable population variances?
Yes, certain age groups in the suburb of Cardiff show significant variance compared to the Regional NSW region. The most over-represented age group is 25-34 year-olds (16.1% vs 11.4%).
What is the percentage of children (0-14 years) in the suburb of Cardiff?
The percentage of children aged 0-14 years in the suburb of Cardiff is 17.5%.
What is the percentage of older people (65+ years) in the suburb of Cardiff?
The percentage of people aged 65 and over in the suburb of Cardiff is 17.6%.

Data & MethodBoundaries, Sources & Method for Cardiff (NSW)

Data currency Refreshed

9 of 14 data sections on this page were updated within the last 12 months — the newest current to Aug 2026.

Everything is aggregated to the Suburb (SAL) boundary shown above, on a 2021 Census baseline. Only 3 sections — housing, households and cultural diversity — still wait on the 2026 Census.

The ledger — source, cycle and currency by section

Section Source & update cycle Currency
Updated within the last 12 months 9 sections
Population ABS, GNAF, Geoscience Australia Annual (ABS ERP) May 2026 3 months ago headline measures · 2021 Census baseline
Re-based to the ABS Estimated Resident Population (June 2025 release) and updated with new dwellings from GNAF address data. Current to May 2026, with the 2021 Census supplying the small-area baseline.
Age profile ABS, Geoscience Australia, State governments Annual May 2026 3 months ago headline measures · 2021 Census baseline
Age cohorts are re-based to the latest ABS population estimates and state projections, current to May 2026. Each cohort is held as a Census baseline and a current estimate.
Development & approvals ABS, GNAF Monthly (ABS approvals) Jun 2026 2 months ago headline measures · May 2026 baseline
Property sales & rents Valuer General, Rental Board, ABS Weekly sales, quarterly rents Aug 2026 this month all 21 measures
Sales from the state Valuer General register, refreshed weekly, and rents from quarterly rental bond lodgements. Both are read live each time this page loads, current to Aug 2026.
Infrastructure projects Infrastructure Australia, State agencies, Local governments Daily May 2026 3 months ago all 3 projects tracked here
Project pipeline maintained continuously from Infrastructure Australia, state agencies, local government and public announcements. Records are added and revised daily; this area was last updated May 2026.
Employment ABS, DEWR, JSA Quarterly (ABS SALM) Mar 2026 5 months ago headline measures · 2021 Census baseline
Unemployment and labour force from ABS Small Area Labour Markets, current to Mar 2026. The growth outlook applies Department of Employment (now Jobs and Skills Australia) forecasts for all 19 industry divisions to the local industry mix, so it measures sector composition rather than local expansion and makes no allowance for population growth. Job demand comes from the same agency via its Internet Vacancy Index; industry and occupation structure from the 2021 Census.
Education ABS, ACARA Annual (ACARA) Aug 2026 this month headline measures · 2021 Census baseline
Transport ABS, State Transport Departments Each timetable release Jul 2026 last month headline measures · 2021 Census baseline
Services & amenities Provider directories, ACECQA Continuous Jul 2026 last month all 14 measures
Annual and financial-year sources 2 sections
Income ABS, ATO Annual (ATO) FY 2023 3 years ago headline measures · 2021 Census baseline
ATO taxable income statistics for FY 2023, indexed forward using the Wage Price Index. Census household income provides the distribution detail.
Health ABS, ATO Annual 2024 2 years ago headline measures · 2021 Census baseline
Census-measured — next update: 2026 Census 3 sections No more current small-area source exists for these, so they are labelled as Census-measured rather than implied to be current.
Housing ABS 5-yearly (Census) 2021 Census next update 2026 all 30 measures
Households ABS 5-yearly (Census) 2021 Census next update 2026 all 18 measures
Cultural diversity ABS, Geoscience Australia 5-yearly (Census) 2021 Census next update 2026 all 44 measures

"Currency" is the most recent release feeding that section. Where the Census supplies the structural baseline underneath a current headline figure, the row says so.

How the numbers are built

Population

The Census provides the small-area baseline, aggregated from mesh blocks to this boundary. It is then re-based to the ABS Estimated Resident Population (June 2025 release), and new dwellings built since Census night are counted from address data — 83 validated new addresses here. The headline figure is therefore a current estimate for May 2026, not a 2021 count (6,318 at the 2021 Census → 7,014 now). Annual growth rates are compound (CAGR), not simple averages.

Age profile

Cohort shares are not raw Census counts. Every cohort is held as a pair — the Census baseline and a current estimate — and the split is re-based using ERP and state population projections, current to May 2026. Median age is the Census median plus modelled change since. Charts that show both are labelled "2021 Census vs Current Estimate".

Property sales

Sourced from the state valuation authority's sales register — current, not Census, and refreshed weekly. Medians are calculated from settled transactions in the period shown; periods with very low transaction counts are flagged or suppressed, because a handful of sales can move a median substantially.

Rents

Derived from state rental bond lodgement data, by dwelling type and bedroom count. Bonds are lodged at the start of a new tenancy, so this reflects new lettings, not the whole rented stock.

Development & infrastructure

Building approvals come from current ABS releases; development applications are collected from council and state planning portals; the infrastructure pipeline is compiled from Infrastructure Australia and local government sources. Applications are matched to this boundary by address or coordinates, so very recent lodgements may not yet appear.

Employment & income

Industry and occupation structure comes from the Census, but the headline labour-market indicators do not. Unemployment and labour force are derived from ABS Small Area Labour Markets (quarterly). The employment outlook applies Department of Employment forecasts for all 19 industry divisions to this area's own industry mix (the agency is now Jobs and Skills Australia), as does the Internet Vacancy Index used for job demand. Because it is weighted on industry composition alone, that outlook carries no allowance for local population growth — in fast-growing areas the real rise in local jobs will typically be higher. Income combines Census household income with ATO taxable-income statistics for FY 2023, indexed forward using the Wage Price Index.

Education, transport & amenities

School enrolments, ICSEA and performance come from ACARA's current release, not the Census. Public transport stops and service frequency are derived from GTFS timetable feeds published by state transport departments. Services and amenities are proximity and count scores built from provider directories, refreshed on their own cycle. The Census contributes only the travel-to-work and qualification measures.

Rankings and benchmarks. Where we rank this area, the comparison set is every area of the same boundary type — suburbs against suburbs, SA2s against SA2s. Benchmarks compare this area against its greater capital city region and the national figure for the same measure and period.

Limits worth knowing. Small areas carry larger error margins, and the ABS introduces small random adjustments to Census counts to protect confidentiality — so totals may not sum exactly. Estimates re-based from regional data describe the area's expected trajectory, not a direct count of it. Figures are indicative for research and are not financial, planning or valuation advice.

Cross-check us. The Census baseline for this boundary is at ABS 2021 Census QuickStats (SAL10808). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.

Common questions about this page

How do Cardiff (NSW) suburb boundaries differ from Statistical Areas?
This page uses Suburbs and Localities (SAL) boundaries (suburb-style geography). SAL represents commonly-known suburb names used in addresses, while Statistical Areas (SA2) are designed for census/statistical reporting. Even when sharing the same name, SAL and SA2 boundaries often cover different geographic areas with different populations.
Where does the data on this Cardiff (NSW) page come from?
AreaSearch compiles this page from official and industry sources — including ABS, Geoscience Australia, Valuer General, Provider directories, DEWR, JSA, State Transport Departments and ACARA — then aggregates them to the boundary shown and calculates the rankings, growth rates and benchmarks itself. Property sales come from the state valuation authority, rents from state rental bond lodgements, development applications from council and state planning portals, school data from ACARA, and public transport from state transport departments.
Is the Cardiff (NSW) data on this page just from the 2021 Census?
No. Most of this page is maintained well beyond the Census. Sourced entirely from current releases: development & approvals (Jun 2026), property sales & rents (Aug 2026), infrastructure projects (May 2026) and services & amenities (Jul 2026). Built on a Census baseline but carrying newer measures on top: population (to May 2026), age profile (to May 2026), employment (to Mar 2026), income (to FY 2023), education (to Aug 2026), transport (to Jul 2026) and health (to 2024). Population and age cohorts in particular are re-based to the latest ABS Estimated Resident Population rather than left at 2021 counts. Only housing, households and cultural diversity remain wholly Census-based, because no more current small-area dataset exists for those measures.

Nearby Areas