Gold Coast suburbs where homes are owned outright

Banora Point tops the ranking, where 47.9% of homes are owned outright — no mortgage against them (2,992 dwellings). Main Beach and Clear Island Waters follow. These 15 suburbs came from a field of 64 eligible Gold Coast suburbs.

This page ranks Gold Coast suburbs by the share of occupied private dwellings owned outright — owned with no mortgage against them — at the 2021 Census. Only suburbs with at least 2,000 residents are ranked.

Owned outright is a narrower measure than owner-occupied, and the difference is the point: a suburb can be almost entirely owner-occupied and still be mostly mortgaged. The share here is dwellings owned without a mortgage divided by all dwellings whose tenure was reported — outright, mortgaged and rented added together, because the ABS publishes a count per tenure type and no total. High shares tend to mark established, older, low-turnover places rather than desirable ones, and that is a description of who lives there now, not a recommendation.

Gold Coast suburbs where the most homes are owned outright

Ranked by the share of occupied private dwellings owned without a mortgage at the 2021 Census, among suburbs with at least 2,000 residents. Owned outright is a narrower measure than owner-occupied — it excludes everyone still paying one off.

1

Banora Point

NSW 2486 · 16,460 residents

47.9% of homes owned outright · 2,992 dwellings

B 100.0
2

Main Beach

QLD 4217 · 3,998 residents

47.7% of homes owned outright · 845 dwellings

B 98.4
3

Clear Island Waters

QLD 4226 · 4,395 residents

47.4% of homes owned outright · 729 dwellings

A 96.8
4

Runaway Bay

QLD 4216 · 9,308 residents

45.3% of homes owned outright · 1,708 dwellings

C 95.2
5

Paradise Point

QLD 4216 · 7,062 residents

44.3% of homes owned outright · 1,243 dwellings

A 93.7
6

Hollywell

QLD 4216 · 2,930 residents

44.3% of homes owned outright · 508 dwellings

B 92.1
7

Tweed Heads South

NSW 2486 · 7,941 residents

44.3% of homes owned outright · 1,443 dwellings

D 90.5
8

Currumbin Valley

QLD 4223 · 2,084 residents

43.9% of homes owned outright · 276 dwellings

B 88.9
9

Kingscliff

NSW 2487 · 8,355 residents

43.4% of homes owned outright · 1,348 dwellings

C 87.3
10

Tweed Heads

NSW 2485 · 9,176 residents

43.1% of homes owned outright · 1,709 dwellings

C 85.7
11

Coombabah

QLD 4216 · 10,298 residents

43.0% of homes owned outright · 1,903 dwellings

B 84.1
12

Tallebudgera

QLD 4228 · 3,826 residents

41.1% of homes owned outright · 426 dwellings

B 82.5
13

Hope Island

QLD 4212 · 14,522 residents

41.1% of homes owned outright · 2,244 dwellings

A 81.0
14

Benowa

QLD 4217 · 9,889 residents

41.0% of homes owned outright · 1,360 dwellings

A+ 79.4
15

Tweed Heads West

NSW 2485 · 6,176 residents

40.9% of homes owned outright · 1,041 dwellings

C 77.8

Ranked from 64 qualifying suburbs.

How we ranked these

100% share of occupied private dwellings owned WITHOUT a mortgage in the 2021 Census, divided by all dwellings whose tenure was reported — owned outright, mortgaged and rented added together, because the ABS publishes a count per tenure type and no total — and percentile-ranked within Gold Coast's candidate pool. A narrower measure than owner-occupied, which counts everyone still paying one off. Only suburbs with at least 2,000 residents qualify, and the larger absolute number of outright-owned dwellings breaks ties. Descriptive ABS Census data, not a recommendation. See how we calculate for the full methodology.

Common questions about this ranking

What are the gold Coast suburbs where homes are owned outright?

Banora Point tops the ranking, where 47.9% of homes are owned outright — no mortgage against them (2,992 dwellings). Main Beach and Clear Island Waters follow. These 15 suburbs came from a field of 64 eligible Gold Coast suburbs.

How is this ranking put together?

Each Gold Coast suburb is ranked by the share of its occupied private dwellings owned without a mortgage in the 2021 Census. The denominator is every dwelling whose tenure was reported — owned outright, owned with a mortgage and rented, added together — because the Census publishes a count per tenure type and no total. Only suburbs with at least 2,000 residents are included.

How is this different from owner-occupied?

Owner-occupied counts everyone who owns the home they live in, mortgage or not. This counts only those who owe nothing on it. A suburb can be almost entirely owner-occupied and still be mostly mortgaged, so the two lists are not the same list.

What does a high share tell me about a suburb?

Usually that it is established and that people have stayed: paying off a mortgage takes decades, so outright ownership concentrates where residents are older and turnover is low. It is a description of who lives there now, not a measure of how desirable or affordable the suburb is.

How current is it?

The figures are from the 2021 Census, the most recent available until results from the August 2026 Census are released in 2027. The top 15 is recomputed whenever we refresh the census data.

Same list in other cities

Related

Rankings last computed 28 September 2026. Recomputed after each ACARA schools data refresh.

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