Cardiff South

Suburb (SAL)

Rest of NSW / Lake Macquarie - East

 
 
 
 
 
 
 
Data Sources ABSValuer GeneralRental BoardACARA Newest Aug 2026 · Refreshed ABS QuickStats SAL10810 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 South

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The median house price in Cardiff South is $920k, with units at $699k. House values have moved 5.5% a year compounded over five years.

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DemographicsPopulation Growth in Cardiff South

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Cardiff South has an estimated 2,987 residents, up from 2,931 at the 2021 Census — a change of 56 people, or 1.9%. That puts 1,891 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

Drawing on data from ABS population revisions and recent home additions verified by AreaSearch since the Census, the suburb of Cardiff South has a projected population of approximately 2,987 as of May 2026. This represents a growth of 56 residents (1.9%) compared to the 2,931 individuals documented in the 2021 Census. This adjustment stems from a resident base of 2,979, calculated by AreaSearch using the ABS ERP release from June 2025 alongside 15 verified new home addresses added post-Census. With this population level, the density stands at 1,890 persons per square kilometer, outstripping the typical national figure tracked by AreaSearch.

The suburb of Cardiff South's 1.9% post-Census expansion trails the SA3 region's 3.2% rise by 1.3 percentage points, indicating competitive local demand. Natural increase was the main demographic engine, accounting for roughly 52.0% of recent population expansion, though net interstate and overseas migration also contributed positively. AreaSearch incorporates projections for each SA2 region from ABS and Geoscience Australia published in 2024 with a 2022 baseline. For SA2 areas where this dataset is unavailable, projections from the NSW State Government released in 2022 using a 2021 baseline are substituted. Cohort-specific growth trajectories from these sources are mapped to all areas for the decades spanning 2032 to 2041. Looking forward, the suburb of Cardiff South is expected to experience population expansion exceeding the median for non-metropolitan Australia, with aggregated SA2 models forecasting a rise of 484 residents by 2041, representing a cumulative 16-year increase of 15.9%.

Frequently Asked Questions - Population

What is the latest population estimate for the suburb of Cardiff South?
Total population for the suburb of Cardiff South was estimated to be approximately 2,987 as at May 26. This is based upon an estimated resident population of 2,979 from the ABS up to June 2025.
How has the population in the suburb of Cardiff South changed since 2021?
The suburb of cardiff south has added approximately 56 people and shown a 1.91% increase from the 2,931 people recorded at the 2021 Census period.
What is the population density in the suburb of Cardiff South?
The population density in the suburb of Cardiff South is estimated at 1,890 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 South?
Over the past 10 years, the population in the suburb of Cardiff South has shown a compound annual growth rate of 0.2% per annum.
What are the main drivers of population growth in the suburb of Cardiff South?
Population growth in the suburb of Cardiff South 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 South

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48 new dwellings have been approved in Cardiff South over the past five years, an average of 9 a year. That is 3.2 approvals per 1,000 residents. Approvals are currently running at an annualised 3, well below 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

According to AreaSearch evaluations of ABS building approval records mapped from local statistics, Cardiff South has averaged approximately 9 approved residential dwellings per year, compiling an estimated 48 new homes over the prior 5 financial years. Thus far in FY-26, 3 building approvals have been logged. Given that only about 0.5 additional residents registered per built dwelling over the 5 financial years from FY-21 to FY-25, residential supply is keeping pace with or outstripping demand, expanding opportunities for prospective purchasers and paving the way for population gains beyond current projections, while new homes average $395,000 in construction costs—slightly above regional averages—pointing to a focus on higher-quality builds.

Additionally, commercial development approvals valued at $4.2 million have been registered this fiscal year, reinforcing the predominantly residential profile of the neighborhood. Relative to the Rest of NSW, Cardiff South registers roughly 75% of the per capita construction volume and places in the 42nd percentile of all locations nationwide, indicating somewhat restricted options for buyers and boosting demand for existing housing stock. This volume also falls below the national benchmark, reflecting the mature nature of the local market and hinting at potential space constraints. Detached houses comprised 60.0% of recent builds, while townhouses or apartments made up the remaining 40.0%, with this rising proportion of medium-density options offering diverse entry points ranging from family layouts to compact, budget-friendly residences. This represents a marked departure from the historical configuration, which consists of 90.0% houses, reflecting a scarcity of vacant land and aligning with changing lifestyle preferences and budget constraints. The area averages roughly 397 residents for each approved dwelling, indicative of a mature suburb. Long-term projections indicate that Cardiff South is on track to add 476 residents by 2041, relative to the most recent quarterly estimate from AreaSearch. Should current construction rates persist, the supply of new housing may fail to keep up with this influx, potentially intensifying competition among prospective buyers and underpinning stronger capital growth.

Frequently Asked Questions - Development

How many dwelling approvals have occurred in the suburb of Cardiff South recently?
Dwelling approval activity in the the suburb of Cardiff South area has seen 15 residential approvals over the past two financial years, based on AreaSearch's SA2 aggregation method. The suburb of Cardiff South's current population of 2,987 has been supported by 9 approvals on average over recent years.
How does the suburb of Cardiff South's development activity compare to the broader region?
The suburb of Cardiff South has seen 0.32 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 396 people in the suburb of Cardiff South, compared to one for every 192 in the broader region.
Is the suburb of Cardiff South keeping up with housing demand?
With the population expected to increase by 476 people by 2041, around 238 new dwellings will be necessary. Recent approval levels may be insufficient to meet these forecasts, considering the census average of 2.0 persons per dwelling. This indicates potential housing shortages if current approval trends continue.
What has been the trend in development approvals over the past five years in the suburb of Cardiff South?
Looking at development activity over the past five years, the suburb of Cardiff South's approval levels have been significantly below the yearly average of 9, showing a notable downturn in recent development.
How many dwellings will be needed to accommodate future population growth in the suburb of Cardiff South?
The population in the suburb of Cardiff South is expected to grow by 476 people by 2041, necessitating approximately 238 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 South?
Over the past five years, the population in the suburb of Cardiff South has grown by approximately 58 people, while 48 residential approvals were recorded. This equates to a ratio of 1.2 people added for each new dwelling approval. This suggests a balanced relationship between population growth and housing supply.
Are there opportunities for residential developers in the suburb of Cardiff South?
With dwelling approval activity running at an average of 9 approvals per year and a population of 2,987, there appears to be a supply shortfall relative to projected demand, presenting strong opportunities for residential developers. With the population expected to increase by 476 people by 2041, around 238 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 South

Development applications around Cardiff South

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 South

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AreaSearch tracks 35 current infrastructure and development projects close to Cardiff South, worth an estimated $5.68 billion. 7 are already under construction and 9 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 shaped by developments in regional infrastructure, major works, and municipal planning. AreaSearch has tracked 4 key projects expected to influence the local area, headlined by the Lake Macquarie Bridge Replacement Program, Garden Suburb, Lake Macquarie Modular Social Housing, and the Cardiff Strategic Planning Framework, with details on the most significant initiatives provided below.

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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 South?
Key infrastructure and planning changes likely to influence the suburb of Cardiff South include: Lake Macquarie Bridge Replacement Program (Construction); Garden Suburb (Construction); Lake Macquarie Modular Social Housing (Construction); Cardiff Strategic Planning Framework (Approved); and ATUNE Cardiff Integrated Health Centre (Completed). 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 South?
Infrastructure development impacting the suburb of Cardiff South spans multiple sectors including Communities, Precincts & Urban Renewal, Transport & Logistics, and Residential Development, among others.
What is the scale of infrastructure investment impacting the suburb of Cardiff South?
Infrastructure investment analysis indicates substantial capital deployment exceeding $2.0 billion in projects that will impact the extended area.
How does the suburb of Cardiff South's infrastructure development compare to other areas?
The suburb of Cardiff South ranks in the top 10% nationally for infrastructure development, reflecting exceptional investment activity compared to similar areas across the country.
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

Uniting Charlestown
Category: Health
Stage: Construction | Est. Comp: 2028
Source / Links: Link 1   Link 2  

A $300 million landmark seniors living and aged care development on the former TAFE campus at Tiral Street, Charlestown. Stage 1 delivers a 120-bed residential aged care home and 96 independent living units (ILUs). Stage 2 adds 107 ILUs and 133 residential apartments across four buildings ranging from 5 to 14 storeys. Amenities include a wellness centre, hairdresser, cafe, swimming pool, clubhouse, landscaped rooftop with BBQ area, walking paths, chapel and multi-faith space, and visiting rooms for GPs and allied health practitioners.The first seniors living development in NSW to receive State Significant Development Approval (SSDA) under the Housing State Environmental Planning Policy. Project management by TSA Riley, architecture by Plus Architecture.

Health

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

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

The Summit
Category: Residential Development
Stage: Construction | Est. Comp: 2026
Source / Links: Link 1   

A complex of 16 completely free-standing, architecturally designed townhouses currently under construction in an elevated location, featuring spacious layouts, fully ducted air-conditioning, Artusi appliances, and private outdoor spaces. Stage 1 is set for completion in Quarter 1 of 2026.

Residential Development

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

Garden Suburb
Category: Residential Development
Stage: Construction | Est. Comp: 0
Source / Links: Link 1   

Landcom is delivering 105 new homes in Garden Suburb, retaining approximately 70% of the site as bushland. The project aims to be a 100% electric community with a minimum of 30% affordable homes.

Residential Development

Jobs & IndustryEmployment Trends in Cardiff South

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1,712 residents of Cardiff South are employed, from a labour force of 1,773. Unemployment sits at 3.4%, with participation at 71.6%. Weighted for its industry mix, the area's sectors are forecast to grow about 6.9% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. The working-day population is estimated at 2,313, about 77% of the resident population, so more people leave the area for work than travel in. 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 South is characterized by a qualified workforce with a strong presence in core service sectors, alongside a low unemployment rate of 3.4% compiled by AreaSearch from local statistical indicators. As of March 2026, there are 1,712 employed locals, which keeps the jobless rate 0.7% below the Regional NSW average of 4.1%, while local participation is exceptionally high at 71.6% compared to the 60.6% recorded across Regional NSW. Census data indicates that a moderate 19.9% of the workforce operated from home, though this figure reflects conditions during pandemic lockdowns. The primary employment fields for local workers are healthcare & social assistance, retail trade, and construction.

Notably, the concentration of healthcare & social assistance workers is 1.3 times the regional standard. Conversely, agriculture, forestry & fishing accounts for only a natural zero proportion of local jobs, failing to match the 5.3% share seen across Regional NSW. The mismatch between the census-recorded local workforce and the resident population highlights the suburb's residential focus and limited commercial employment footprint. Based on AreaSearch assessments of SALM and ABS statistics aggregated from regional datasets, the preceding 12-month period saw the workforce shrink by 0.9% and total employment drop by 2.1%, which drove the unemployment rate up by 1.2 percentage points. In comparison, Regional NSW experienced a 0.9% drop in employment, a 0.4% contraction in the labour force, and a 0.5 percentage point rise in unemployment. National forecasts released by Jobs and Skills Australia in May-25 provide a broader template for understanding future employment dynamics in Cardiff South. These models, extending across five-year and ten-year horizons, have been aligned with the local workforce structure to model future growth. While national employment is projected to grow by 6.6% over five years and 13.7% over ten years, the rates of change differ widely by sector. Applying these trends to the local industry mix yields an estimated employment growth of 6.9% over five years and 14.4% over ten years, representing a basic weighted projection that does not factor in local population fluctuations.

Frequently Asked Questions - Employment

What is the employment situation in the suburb of Cardiff South?
As of March 2026, the suburb of Cardiff South has approximately 1,712 employed residents with an unemployment rate of 3.4%. This healthy unemployment rate suggests a well-functioning labour market. Employment performance is above the national median, showing positive labour market dynamics.
How does the suburb of Cardiff South's unemployment rate compare to the broader region?
As of March 2026, the unemployment rate in the suburb of Cardiff South stands at 3.4%, which is 0.7 percentage points below Regional NSW's rate of 4.1%. This lower unemployment rate suggests stronger local employment conditions. For comparison, the national unemployment rate is 4.2%.
What are the major employment sectors in the suburb of Cardiff South?
The employment landscape in the suburb of Cardiff South is dominated by several key sectors. The largest employers are health care & social assistance (22.3% of employment), retail trade (10.5%), and construction (10.4%). Other significant employers include education & training and accommodation & food.
How has employment changed recently in the suburb of Cardiff South?
Over the past year to March 2026, the suburb of Cardiff South has experienced a decline in employment, with total jobs decreasing while the labour force decreased. 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 South?
The workforce participation rate in the suburb of Cardiff South is 71.6%, which represents the proportion of working-age residents who are either employed or actively seeking work. This high participation rate indicates strong workforce engagement and economic vitality. 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 South's employment market?
The suburb of cardiff south shows notable specialization in health care & social assistance, which employs 22.3% 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 South?
Based on Jobs and Skills Australia projections applied to the suburb of Cardiff South's industry mix, employment is expected to grow by 6.9% over the next five years and 14.4% 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 South compare nationally?
The suburb of cardiff south's employment market shows above-average performance nationally, placing in the top half of areas assessed. Employment indicators suggest healthy labour market conditions relative to 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 South?
Skilled workers will find good opportunities in the suburb of Cardiff South, with skilled sectors accounting for 39.7% of employment. Key sectors for skilled workers include health care & social assistance (22.3%), education & training (8.4%), and professional & technical (5.3%). With projected employment growth of 6.9% over five years, demand for skilled workers is expected to remain strong.

EarningsHousehold Income in Cardiff South

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Median household income in Cardiff South is $1,688 a week (about $88,000 a year), with median personal income at $805 a week. ATO records put median taxable income at $54,155 a year against an average of $64,424. 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

Tax data compiled by AreaSearch from the latest postcode-level ATO releases for financial year 2023 indicates that Cardiff South taxpayers had a median income of $54,155 and an average income of $64,424. These levels sit below national benchmarks and compare to regional figures of $52,390 (median) and $65,215 (average) across Regional NSW. Applying the Wage Price Index growth of 10.32% since financial year 2023 suggests updated estimates of approximately $59,744 for median earnings and $71,073 for average earnings as of March 2026. The 2021 Census indicates that household, family, and individual earnings in Cardiff South are moderate, positioning between the 46th and 50th percentiles nationally.

Income distribution figures show that 38.0% of the population, or 1,135 residents, earn within the $1,500 - 2,999 bracket, compared to 29.9% of individuals regionally. Residents face significant housing affordability pressures, retaining just 84.1% of their income, which ranks in the 47th percentile, while the SEIFA index for income places the area in the 4th decile.

Frequently Asked Questions - Income

What is the median taxable income in the suburb of Cardiff South?
Based on Wage Price Index adjustments to March 2026, the estimated median taxable income in the suburb of Cardiff South is approximately $59,744. The official ATO data from FY-23 recorded a median of $54,155.
What is the average taxable income in the suburb of Cardiff South?
Based on Wage Price Index adjustments to March 2026, the estimated average taxable income in the suburb of Cardiff South is approximately $71,073. The official ATO data from FY-23 recorded an average of $64,424.
How does the median taxable income in the suburb of Cardiff South compare to the region?
Based on Wage Price Index adjustments to March 2026, the estimated median taxable income in the suburb of Cardiff South is approximately $59,744 compared to $57,797 in Regional NSW. The official ATO data from FY-23 shows $54,155 and $52,390 respectively.
How does the average taxable income in the suburb of Cardiff South compare to the region?
Based on Wage Price Index adjustments to March 2026, the estimated average taxable income in the suburb of Cardiff South is approximately $71,073 compared to $71,945 in Regional NSW. The official ATO data from FY-23 shows $64,424 and $65,215 respectively.
What are the main income cohorts in the suburb of Cardiff South according to the 2021 Census?
As per the 2021 Census, the income bracket containing the largest proportion (~38.0% / 1,135 persons) of the suburb of Cardiff South's population is the $1,500 - 2,999 cohort.
How do the main income cohorts in the suburb of Cardiff South compare to the region?
The largest income cohort in the suburb of Cardiff South is the $1,500 - 2,999 group, representing about 38.0% 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 South according to the 2021 Census?
The 2021 Census data indicates that the median household income in the suburb of Cardiff South is $1,688/wk.
What is the median family income in the suburb of Cardiff South according to the 2021 Census?
According to the 2021 Census, the median family income in the suburb of Cardiff South is $2,049/wk.
What is the median personal income in the suburb of Cardiff South according to the 2021 Census?
The 2021 Census shows that the median personal income in the suburb of Cardiff South is $805/wk.
How does the suburb of Cardiff South's income rank nationally?
According to AreaSearch's aggregation of the latest postcode level ATO data released for FY-23, the suburb of Cardiff South had a median income among taxpayers of $54,155 with the average level standing at $64,424. This is below the national average and compares to levels of $52,390 and $65,215 across Regional NSW respectively. Based on Wage Price Index growth of 10.32% since FY-23, current estimates would be approximately $59,744 (median) and $71,073 (average) as of March 2026.
What is the disposable income in the suburb of Cardiff South?
The estimated disposable income in the suburb of Cardiff South is $6,153 per year according to AreaSearch analysis.
How does the suburb of Cardiff South's disposable income compare to the region?
The suburb of cardiff south's disposable income is $6,153 compared to $5,252 for Regional NSW, based on AreaSearch analysis.

Housing StockHousing & Dwellings in Cardiff South

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Cardiff South had 1,110 occupied dwellings at the 2021 Census, 90% detached houses and 2% apartments. 43% are owned with a mortgage, 23% rented and 34% owned outright. At that Census the median rent was $400 a week and the median mortgage repayment $1,777 a month. Rent absorbs 23.7% of household income here and mortgage repayments 24.3%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.

Detail

The residential landscape in Cardiff South, as of the most recent Census, was dominated by standalone houses at 89.6%, with semi-detached properties, apartments, and alternative structures making up 10.3% of dwellings, compared to Regional NSW's breakdown of 82.6% houses and 17.4% other formats. Home ownership rates in Cardiff South lagged behind the regional average, sitting at 34.0%, with the remaining properties occupied by residents holding mortgages (43.4%) or renting (22.5%). The area's median monthly mortgage payment of $1,777 was higher than the Regional NSW median of $1,733, and the median weekly rent of $400 also exceeded the regional benchmark of $330.

Nationally, mortgage costs in Cardiff South remain below the Australian average of $1,863, whereas rental costs exceed the national average of $375.

Frequently Asked Questions - Housing

What percentage of homes are owned vs rented in the suburb of Cardiff South?
In the suburb of Cardiff South, 34.0% of homes are owned outright, 43.4% are owned with a mortgage, and 22.5% are rented.
What percentage of dwellings in the suburb of Cardiff South are houses?
According to the latest data, 89.6% of dwellings in the suburb of Cardiff South are houses.
What percentage of dwellings in the suburb of Cardiff South are apartments or units?
In the suburb of Cardiff South, 2.4% of dwellings are apartments or units, with an additional 7.9% being semi-detached dwellings.
What is the level of outright home ownership in the suburb of Cardiff South?
Outright home ownership in the suburb of Cardiff South stands at 34.0%, compared to 39.6% in Regional NSW.
What is the median monthly mortgage repayment in the suburb of Cardiff South?
The median monthly mortgage repayment in the suburb of Cardiff South is $1,777, compared to $1,733 in Regional NSW.
What is the median weekly rent in the suburb of Cardiff South?
The median weekly rent in the suburb of Cardiff South is $400, compared to $330 in Regional NSW.
What is the distribution of rental prices in the suburb of Cardiff South?
In the suburb of Cardiff South, 1.7% of rentals are $0-149/week, 22.6% are $150-349/week, 75.7% are $350-649/week, 0.0% are $650-949/week, and 0.0% are $950+/week.
What is the average monthly housing cost in the suburb of Cardiff South?
The aggregate monthly housing cost in the suburb of Cardiff South is $1,161, which represents the average monthly cost across all housing types.
What percentage of income do residents spend on housing in the suburb of Cardiff South?
In the suburb of Cardiff South, households with mortgages typically spend 24.3% of their income on mortgage repayments, while renters spend 23.7% of their income on rent.
How crowded are homes in the suburb of Cardiff South?
The average persons per bedroom ratio in the suburb of Cardiff South is 0.8, indicating the level of household density.
How does housing affordability in the suburb of Cardiff South compare to the region?
Housing affordability in the suburb of Cardiff South shows mortgage holders spending 24.3% of income on repayments (vs 27.9% regionally), while renters spend 23.7% of income on rent (vs 23.0% regionally).
What types of dwellings are most common in the suburb of Cardiff South?
The dwelling mix in the suburb of Cardiff South consists of 89.6% detached houses, 7.9% semi-detached dwellings, 2.4% apartments, and 0.0% other dwelling types.
What is the weighted average housing cost based on tenure mix in the suburb of Cardiff South?
Considering the housing occupancy patterns, the weighted average monthly housing cost is approximately $1,161. This accounts for outright owners paying no housing costs, mortgage holders paying $1,777/month, and renters paying $1,732/month.
How affordable is housing in the suburb of Cardiff South relative to local incomes?
Housing in Cardiff South consumes approximately 15.9% of median household income ($7,309 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 South?
Recent development applications in Cardiff South show attached dwellings contributing 50% of approvals compared to 10% of existing stock, while detached houses represent 50% of applications versus 90% of current dwellings. This suggests increasing densification. Housing density growth is around the national average.

HouseholdsHousehold Composition in Cardiff South

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Cardiff South counted 1,110 households at the 2021 Census, averaging 2.5 people each. 33% are couples with children, against 23% couples without children. 25% 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 71.7%, consisting of couples with children at 32.7%, couples without children at 23.4%, and single-parent households at 13.7%. Non-family households account for the remaining 28.3%, with single-person residences representing 24.9% and group living situations comprising 3.7% of the total. The median household occupancy of 2.5 residents is slightly larger than the Regional NSW average of 2.4.

Frequently Asked Questions - Households

How many households are in the suburb of Cardiff South?
As of the 2021 Census, the suburb of Cardiff South had 1,110 households. Based on population growth patterns, this has grown by approximately 1.9% to an estimated 1,131 households today.
What is the typical household size?
The median household size in the suburb of Cardiff South is 2.5 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 71.7% of all households. The remaining households consist of lone person households (24.9%), group households (3.7%), and other household types (0.0%).
How are families structured in the area?
Among the 795 family households, 32.7% are couples with children, 23.4% are couples without children at home, and 13.7% are single parent families. This mix shapes local demand for schools, family services, and housing types.
How does the suburb of Cardiff South compare to regional household patterns?
Compared to Regional NSW, the suburb of Cardiff South shows distinct household patterns. This family-oriented profile influences local demand for family homes, schools, and children's services.
What is the average family size?
Families in the suburb of Cardiff South 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 South?
Marriage patterns reveal 42.1% of the adult population are currently married, while 39.2% 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 24.9% of all households in the suburb of Cardiff South, 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 3.7% 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 South

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17.2% of adults in Cardiff South hold a university qualification, including 12.3% with a bachelor degree and 3.1% with postgraduate qualifications. A further 31.1% hold a vocational qualification. 1 school serves the area, with 276 enrolment places and an average ICSEA of 1,006 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 local community experiences educational challenges, with the proportion of residents holding university degrees (17.2%) sitting well below the state average of 32.2%. This represents a key area for targeted academic improvement. Bachelor degrees are the most common higher qualification at 12.3%, followed by postgraduate degrees at 3.1% and graduate diplomas at 1.8%. Vocational and practical credentials are widely held, with 41.8% of residents aged 15 and over possessing technical qualifications, consisting of advanced diplomas (10.7%) and certificates (31.1%). Academic enrollment is notably strong, with 27.4% of the population currently engaged in study.

This group includes 9.5% in primary schools, 8.0% in secondary education, and 4.1% enrolled in higher education programs.

Frequently Asked Questions - Education

What percentage of people in the suburb of Cardiff South have university qualifications?
17.2% of people aged 15 and over in the suburb of Cardiff South have university qualifications, compared to 21.3% in the broader region.
What percentage of people in the suburb of Cardiff South have no formal qualifications?
40.9% of people aged 15 and over in the suburb of Cardiff South have no formal qualifications, compared to 39.1% regionally.
How does the suburb of Cardiff South's education level compare to national averages?
The suburb of cardiff south ranks in the 43th 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 South?
The most common qualifications in the suburb of Cardiff South are: Certificate (31.1%), Bachelor Degree (12.3%), Advanced Diploma (10.7%).
What proportion of the suburb of Cardiff South's population is currently attending educational institutions?
27.4% of the population in the suburb of Cardiff South is currently engaged in formal education, with 9.5% in primary school, 8.0% in secondary school, 4.1% at university.
What is the ICSEA score for schools in the suburb of Cardiff South?
The average ICSEA (Index of Community Socio-Educational Advantage) score for schools in the suburb of Cardiff South is 1006, indicating average socio-educational advantage (national average is 1000).
How many schools are located within the suburb of Cardiff South?
There are 1 schools within the suburb of Cardiff South, with a combined enrollment of approximately 276 students.
What types of schools are available in the suburb of Cardiff South?
The suburb of cardiff south includes 1 primary school.

Schools Detail

AmenitiesServices & Amenities in Cardiff South

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Getting AroundTransport & Commuting in Cardiff South

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Public transport in Cardiff South reaches 28 stops on 14 routes, timetabled for about 520 services a week. The typical home sits about 150 m from its nearest stop. Buses carry the largest share of public transport commuters. Households keep an average of 1.5 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

Analysis of the local transit network shows 28 active transport stops operating in Cardiff South, consisting of bus services. These locations are connected to 14 distinct transit routes, which support a total of 519 weekly passenger trips. Access to transit is rated as excellent, with typical residential distances to the nearest stop averaging 147 meters. Because the area is mostly residential, the majority of workers travel outward, with private vehicles remaining the primary mode of travel at 94%. Households average 1.5 vehicles. Around 19.9% of residents worked from home, based on the 2021 Census, which may reflect pandemic-related conditions.

Service frequency across all routes averages 74 daily trips, which translates to approximately 18 weekly departures per individual stop.

Frequently Asked Questions - Transport

How many public transport stops are in Cardiff South?
There are 28 public transport stops within the suburb of Cardiff South.
How frequent are the transport services in Cardiff South?
the suburb of Cardiff South has 519 weekly trips across 14 routes, averaging 74 trips per day.
How far are residents from public transport in Cardiff South?
On average, residential properties are 147 meters from the nearest transport stop.

Transport Stops Detail

HealthcareHealth Services in Cardiff South

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63.5% of residents in Cardiff South report no long-term health condition, a less healthy profile than 89% of areas nationally. 5.9% need daily assistance with core activities, and 52.4% hold private health cover. The standardised death rate runs at 6.7 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.

Detail

Public health records indicate notable issues for Cardiff South, according to AreaSearch's evaluation of mortality patterns and the presence of long-term health issues, which are prominent in both younger and older cohorts, while the proportion of the population with private health insurance is slightly ahead of the average SA2 area at approximately 52% of residents, representing about 1,565 people. The most prevalent health issues reported locally were mental health conditions and arthritis, affecting 11.0% and 8.5% of the population, respectively, while 63.5% of residents reported having no chronic medical conditions, compared to 63.3% across Regional NSW.

There are distinct health challenges within the working-age population, marked by elevated rates of long-term conditions. Residents aged 65 and over make up 16.3% of the community (486 individuals), which is lower than the Regional NSW proportion of 23.4%. Senior citizens' health profiles present some difficulties, with national performance metrics generally mirroring those of the wider public.

Frequently Asked Questions - Health

How many people in the suburb of Cardiff South have private health insurance?
Around 52.4% of people in the suburb of Cardiff South 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 South?
In the suburb of Cardiff South, 5.9% 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 South?
8.4% of people in the suburb of Cardiff South 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 South?
Diabetes affects 5.5% of the the suburb of Cardiff South 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 South?
4.1% of people in the suburb of Cardiff South 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 South compare to the region in terms of overall private health coverage?
In the suburb of Cardiff South, 52.4% 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 South

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Cardiff South is largely Australian-born, at 91.3% of residents, with 6.1% speaking a language other than English at home. The largest reported ancestries are Australian (31.7%) and English (29.8%). 4.8% 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 South exhibits lower cultural diversity relative to typical metrics, with 91.3% of the population born within Australia, 93.1% holding citizenship, and 93.9% speaking only English in their households. Christianity is the primary religious affiliation, practiced by 51.3% of residents in Cardiff South, which compares to 55.9% across Regional NSW. Regarding ancestry, the three most common backgrounds reported in Cardiff South are Australian at 31.7%, English at 29.8%, and Irish at 7.6%. Distinct variations appear in the concentration of other backgrounds: Hungarian ancestry is overrepresented at 0.4% in Cardiff South relative to 0.2% regionally, Polish ancestry stands at 1.0% compared to 0.5%, and Macedonian ancestry is recorded at 0.7% versus 0.4% in the wider region.

Frequently Asked Questions - Diversity

What is the level of cultural diversity in the suburb of Cardiff South?
Cardiff South was found to be below average in terms of cultural diversity, with 91.3% of its population born in Australia, 93.1% being citizens, and 93.9% speaking English only at home.
What is the most common religion in the suburb of Cardiff South?
The main religion in Cardiff South was found to be Christianity, which makes up 51.3% of people in Cardiff South. This compares to 55.9% across Regional NSW.
What are the top countries of origin in the suburb of Cardiff South?
In terms of ancestry (country of birth of parents), the top three represented groups in Cardiff South are Australian, comprising 31.7% of the population, English, comprising 29.8% of the population, and Irish, comprising 7.6% of the population. Additionally, there are notable divergences in the representation of certain other ethnic groups: Hungarian is notably overrepresented at 0.4% of Cardiff South (vs 0.2% regionally), Polish at 1.0% (vs 0.5%) and Macedonian at 0.7% (vs 0.4%).
How does the percentage of people born overseas compare to the regional average?
8.7% of the the suburb of Cardiff South population was born overseas, compared to 13.0% regionally.
What percentage of the the suburb of Cardiff South population speaks a language other than English at home?
6.1% of the population in the suburb of Cardiff South speaks a language other than English at home, compared to 7.1% in the wider region.
How many people in the suburb of Cardiff South identify as Australian Aboriginal?
4.8% of the the suburb of Cardiff South 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 South?
93.1% of the the suburb of Cardiff South population holds citizenship, compared to 89.2% in the wider region.

Age StructureAge Profile of Cardiff South

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The median resident of Cardiff South is 37. That is 1 year younger than at the 2021 Census. 28.1% 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 in Cardiff South is below the Regional NSW average of 43 and sits close to the national median of 38. The age distribution reveals a high concentration of residents aged 35 to 44 (14.8%), while the 65 to 74 demographic is smaller (7.1%) than the regional standard. Since 2021, the 75 to 84 age cohort has expanded from 5.3% to 6.8% of the population, and the 35 to 44 demographic has increased from 13.4% to 14.8%. Conversely, the 55 to 64 bracket declined from 13.1% to 11.1%.

Demographic projections out to 2041 point to shifts in the local age profile, with the 25 to 34 cohort expected to grow by 142 people (34%) from 415 to 558, while the 65 to 74 cohort is projected to decrease by 6 residents.

Frequently Asked Questions - Age

What is the median age in the suburb of Cardiff South?
According to the latest data, the median age in the suburb of Cardiff South is 37 years.
How does the suburb of Cardiff South's median age compare to broader areas?
At 37 years, Cardiff South 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 South?
The most over-represented age group in the suburb of Cardiff South compared to the Regional NSW region is the 35 - 44 group, making up 14.8% of the population.
What age groups are under-represented in the suburb of Cardiff South?
The most under-represented age group in the suburb of Cardiff South compared to the Regional NSW region is the 65 - 74 group, making up 7.1% of the population.
Are there age groups with notable population variances?
Yes, certain age groups in the suburb of Cardiff South show significant variance compared to the Regional NSW region. The most under-represented age group is 65-74 year-olds (7.1% vs 12.3%).
What is the percentage of children (0-14 years) in the suburb of Cardiff South?
The percentage of children aged 0-14 years in the suburb of Cardiff South is 17.5%.
What is the percentage of older people (65+ years) in the suburb of Cardiff South?
The percentage of people aged 65 and over in the suburb of Cardiff South is 16.3%.

Data & MethodBoundaries, Sources & Method for Cardiff South

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, Local governments Daily May 2026 3 months ago all 2 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 — 15 validated new addresses here. The headline figure is therefore a current estimate for May 2026, not a 2021 count (2,931 at the 2021 Census → 2,987 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 (SAL10810). 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 South 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 South 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 South 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