Central Coast vs Sydney (Housing Affordability) | July 24th, 2025

By Michael Daniels

https://www.mortgagechoice.com.au/michael.daniels/our-services/mortgage-choice-in-central-coast-michael-daniels/

This chart illustrates a relative housing affordability advantage for houses over units in comparison to the Sydney market.

The median Central Coast unit price is only 14.05% lower than Sydney's median unit price. Even the Central Coast entry-level median unit price is only 8.87% lower than Sydney's median entry-level unit price. I suspect this is not an attractive enough saving to entice Sydney-employed people to make the move and endure hours of commuting.

Houses, on the other hand, offer a far greater incentive for Sydney-employed people to migrate to the Central Coast. The median Central Coast house price is 32.77%, $485,000, lower than Sydney's median house price. If this $485,000 difference were borrowed at 6%, the annual repayments would be around $34,893 ($670 per week) higher in Sydney. Now, that might be worth the travel time.

Surprisingly, the Central Coast median entry-level house price is only 22.34% cheaper than Sydney's entry-level median house price. The $235,000 saving would still act as a strong incentive, especially when considering the substantial government benefits for first-home buyers are ruled out at Sydney's median price of $1,050,000.

Looking to make the move out of Sydney? We would be more than happy to discuss your loan options and provide advice on the local Central Coast market.

If you would like to talk with us about your property and mortgage plans, please call us at Mortgage Choice Central Coast or email us at michael.daniels@mortgagechoice.com.au or

philip.cooper@mortgagechoice.com.au.



Location: Erina NSW 2250, Australia

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