Kogarah vs Monterey

Kogarah is the younger of the two, with a median age of 35 against 44 in Monterey. In Kogarah, about half of households rent and most homes are flats or apartments. In Monterey, most households own their home. Houses cost more in Monterey: a median of $2.56 million, against $1.86 million in Kogarah, and rent is higher there too. On these figures, Kogarah tends to suit renters, young adults, and buyers on a tighter budget.

Which one suits you?

There is no overall winner — the suburb that suits a family with school-age kids is routinely the wrong one for someone commuting into the city. So each of these answers its own question, against a checklist you can see, using the same figures in the tables below.

Families with school-age kids

Kogarah

ahead on 3 of the 6 things we measure here

  • has more schools inside the suburb (8 vs 0)
  • has more parks and reserves (8 vs 3)
  • has more childcare (7 vs 3)
  • But Monterey carries lower crime risk (29/100 vs 67/100)

Weighs schools, house stock, crime, parks, childcare, and who already lives there.

First-home buyers

Kogarah

ahead on 3 of the 3 things we measure here

  • has cheaper houses ($1,862,500 vs $2,564,000)
  • leaves households under less mortgage stress (27% vs 34%)
  • has cheaper units ($740,000 vs $841,000)

Weighs house prices, unit prices, and mortgage stress.

Renters

Kogarah

ahead on the one thing that separates them

  • has a bigger rental market to choose from (50% vs 31%)

Weighs rent, rental stress, and how much is for rent.

Commuting to the city

Kogarah

ahead on 2 of the 4 things we measure here

  • gets more of its commuters onto trains and trams (18% vs 3%)
  • is more walkable (96/100 vs 68/100)

Weighs distance, drive time, rail access, and walkability.

Downsizers and retirees

Kogarah

ahead on 3 of the 5 things we measure here

  • has more GPs (10 vs 1)
  • is more walkable (96/100 vs 68/100)
  • has more units and townhouses to downsize into (79% vs 56%)
  • But Monterey carries lower crime risk (29/100 vs 67/100)

Weighs smaller dwellings, who already lives there, GPs, walkability, and crime.

Investors

Kogarah

ahead on 2 of the 3 things we measure here

  • is growing faster (8.5% vs 1.9%)
  • returns a higher gross yield on units (4.9% vs 4.3%)

Weighs house yield, unit yield, and population growth.

Where they sit

Kogarah and Monterey drawn to the same scale. Both outlines are shown together, so the map answers whether they share a border and how their areas compare.

Kogarah Monterey
Hides rows where both suburbs match

Bars start at zero. Scores, risks and rankings are drawn against their full 0–100 range; other rows are drawn in proportion to the larger of the two.

Side by side, out of 100

Risks are inverted — shown as safety and low exposure — so a longer bar always means better.

Kogarah Monterey
Walkability 96 / 68
Kogarah — Walkability: 96/100 Monterey — Walkability: 68/100
Safety 33 / 71
Kogarah — Safety: 33/100 Monterey — Safety: 71/100
Low fire risk 100 / 100
Kogarah — Low fire risk: 100/100 Monterey — Low fire risk: 100/100

Demographics

Kogarah has more residents (16,416 vs 4,619); Monterey skews older (44 vs 35).

Kogarah Monterey
Population 16,416
+72% vs other
 4,619
Population trend (2016 → 2021) +8.5% +1.9%
Median age 35 44
Median household income $98,956/yr
+6% vs other
 $92,820/yr
Median weekly rent $450/wk $480/wk
+7% vs other

Age profile

Share of residents in each band, 2021 Census.

Kogarah Monterey
0-4 6.0% / 4.5%
Kogarah — 0-4: 6.0% Monterey — 0-4: 4.5%
5-14 9.2% / 10.0%
Kogarah — 5-14: 9.2% Monterey — 5-14: 10.0%
15-19 3.6% / 4.9%
Kogarah — 15-19: 3.6% Monterey — 15-19: 4.9%
20-24 7.8% / 5.6%
Kogarah — 20-24: 7.8% Monterey — 20-24: 5.6%
25-34 23.2% / 12.0%
Kogarah — 25-34: 23.2% Monterey — 25-34: 12.0%
35-44 17.1% / 13.5%
Kogarah — 35-44: 17.1% Monterey — 35-44: 13.5%
45-54 10.6% / 15.3%
Kogarah — 45-54: 10.6% Monterey — 45-54: 15.3%
55-64 9.0% / 12.6%
Kogarah — 55-64: 9.0% Monterey — 55-64: 12.6%
65-74 6.3% / 10.2%
Kogarah — 65-74: 6.3% Monterey — 65-74: 10.2%
75-84 4.3% / 8.2%
Kogarah — 75-84: 4.3% Monterey — 75-84: 8.2%
85+ 3.0% / 3.1%
Kogarah — 85+: 3.0% Monterey — 85+: 3.1%

Bars are drawn against the largest share shown (23.2%).

Who lives together

Household composition, 2021 Census.

Kogarah 40.9% couple families
Kogarah — Couple Families: 40.9% Kogarah — Lone Person: 35.2% Kogarah — One Parent Families: 12.6% Kogarah — Group Household: 8.4% Kogarah — Other Families: 3.0%
Monterey 42.3% couple families
Monterey — Couple Families: 42.3% Monterey — Lone Person: 37.7% Monterey — One Parent Families: 15.4% Monterey — Group Household: 3.1% Monterey — Other Families: 1.5%
Couple Families Lone Person One Parent Families Group Household Other Families

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Kogarah 50.0% renting
Kogarah — Owned Outright: 22.3% Kogarah — Mortgage: 27.7% Kogarah — Renting: 50.0%
Monterey 31.2% renting
Monterey — Owned Outright: 38.1% Monterey — Mortgage: 30.7% Monterey — Renting: 31.2%
Owned outright Mortgage Renting

Qualifications

Highest non-school qualification, residents 15+, 2021 Census.

Kogarah Monterey
Bachelor Degree 21.5% / 17.5%
Kogarah — Bachelor Degree: 21.5% Monterey — Bachelor Degree: 17.5%
Advanced Diploma / Diploma 9.4% / 9.4%
Kogarah — Advanced Diploma / Diploma: 9.4% Monterey — Advanced Diploma / Diploma: 9.4%
Certificate III & IV 6.9% / 10.7%
Kogarah — Certificate III & IV: 6.9% Monterey — Certificate III & IV: 10.7%
Postgraduate Degree 10.6% / 5.2%
Kogarah — Postgraduate Degree: 10.6% Monterey — Postgraduate Degree: 5.2%
Graduate Diploma / Certificate 1.5% / 1.4%
Kogarah — Graduate Diploma / Certificate: 1.5% Monterey — Graduate Diploma / Certificate: 1.4%

Bars are drawn against the largest share shown (21.5%).

Where residents were born

Largest overseas birthplaces, as a share of all residents, 2021 Census. A dash means that country is not among the suburb's own eight largest.

Kogarah Monterey
Nepal 11.3% / —
Kogarah — Nepal: 11.3% Monterey — Nepal: not among its largest
China 8.2% / 2.2%
Kogarah — China: 8.2% Monterey — China: 2.2%
Greece 2.2% / 5.9%
Kogarah — Greece: 2.2% Monterey — Greece: 5.9%
India 6.0% / —
Kogarah — India: 6.0% Monterey — India: not among its largest
Egypt — / 4.1%
Kogarah — Egypt: not among its largest Monterey — Egypt: 4.1%
Philippines 3.9% / —
Kogarah — Philippines: 3.9% Monterey — Philippines: not among its largest
Bangladesh 2.9% / —
Kogarah — Bangladesh: 2.9% Monterey — Bangladesh: not among its largest
England 1.2% / 1.6%
Kogarah — England: 1.2% Monterey — England: 1.6%
Lebanon — / 1.3%
Kogarah — Lebanon: not among its largest Monterey — Lebanon: 1.3%

Bars are drawn against the largest share shown (11.3%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Kogarah 72.2% flats / apartments
Kogarah — Flats / Apartments: 72.2% Kogarah — Houses: 20.9% Kogarah — Townhouses: 6.9%
Monterey 34.8% flats / apartments
Monterey — Flats / Apartments: 34.8% Monterey — Houses: 43.6% Monterey — Townhouses: 21.6%
Flats / Apartments Houses Townhouses

Property market

Kogarah Monterey
Median house price $1,862,500 $2,564,000
Median unit price $740,000 $841,000
Median land price $272,250 —
Typical days to sell (houses) 25 days
from 39 sales
 25 days
from 15 sales

Unit price by bedroom count

Only bed counts both suburbs published enough sales for. Sale counts are shown because the buckets differ in depth.

Kogarah Monterey
2 bed $758K / $834K
Kogarah — 2 bed: $758K (254 sales) Monterey — 2 bed: $834K (36 sales)

254 vs 36 sales

3 bed $925K / $1.18M
Kogarah — 3 bed: $925K (36 sales) Monterey — 3 bed: $1.18M (9 sales)

36 vs 9 sales

House price by bedroom count

Only bed counts both suburbs published enough sales for. Sale counts are shown because the buckets differ in depth.

Kogarah Monterey
2 bed $1.48M / $2.46M
Kogarah — 2 bed: $1.48M (11 sales) Monterey — 2 bed: $2.46M (5 sales)

11 vs 5 sales

3 bed $1.81M / $2.28M
Kogarah — 3 bed: $1.81M (27 sales) Monterey — 3 bed: $2.28M (11 sales)

27 vs 11 sales

4 bed $2.02M / $2.56M
Kogarah — 4 bed: $2.02M (15 sales) Monterey — 4 bed: $2.56M (14 sales)

15 vs 14 sales

Zoning mix

Kogarah Monterey
Residential 70% 69%
Parks and recreation 11% 16%
Infrastructure and transport 14%
same for both
Industrial 3% 0%
Planning zones cover 100% of Kogarah and 99% of Monterey. The rest is unzoned land such as water or road reserve.
Zoning sets what may be built, not what is there today. A single address can sit in a different zone to the suburb around it. Zones as at 2026-09.

Development activity

Kogarah Monterey
New dwellings approved 857
across Bayside (NSW)
same for both
Approvals change year on year +98%
same for both

Gross rental yield

Gross — before strata, rates, management, insurance and vacancy. From median advertised rents and median asking prices over the last 6 months. How we calculate.

Kogarah Monterey
Houses 2.8%
$900/wk on $1.65M
 2.6%
$1,200/wk on $2.38M
Units 4.9%
$720/wk on $769K
 4.3%
$680/wk on $830K

Ranking within NSW

Kogarah Monterey
House price Higher than 83% of NSW Higher than 91% of NSW
Income Higher than 67% of NSW Higher than 60% of NSW
Schools Higher than 57% of NSW —
Walkability Higher than 99% of NSW Higher than 88% of NSW
Affordability Higher than 20% of NSW Higher than 7% of NSW
EV adoption Higher than 85% of NSW
same for both
NBN connectivity Higher than 89% of NSW Higher than 91% of NSW
Rental yield (houses) Higher than 15% of NSW Higher than 9% of NSW
Rental yield (units) Higher than 60% of NSW Higher than 34% of NSW

Liveability

Kogarah is more walkable (96 vs 68); Monterey scores higher overall (78 vs 68).

Kogarah Monterey
Grade B A
Score 68/100 78/100
Socio-economic band advantaged area
decile 8/10
 very advantaged area
decile 9/10

Risk profile

Kogarah carries more crime risk (67 vs 29).

Kogarah Monterey
Bushfire None
0/100
same for both
Crime Moderate
67/100
 Low
29/100
Flood Not mapped
no mapped data here
same for both
Coastal erosion None
0/100
 High
76/100
Aircraft noise None
0/100
same for both
Industrial facilities nearby 3
within 5 km
 4
within 5 km

Schools

Kogarah Monterey
Inside the suburb 8 0
Rated above peers 2 0
Rated at peers 2 0
Rated below peers 2 0
Universities within 10 km 2
The University of Sydney, 9.7 km
 2
The University of New South Wales, 9.4 km
Full-time students aged 15–24 3.2% 2.4%

Schools in Kogarah

  • St George Girls High School Government · Secondary above peers
  • St Patrick's Catholic Primary School Catholic · Primary above peers
  • Kogarah Public School Government · Primary at peers
  • Moorefield Girls High School Government · Secondary at peers
  • James Cook Boys High School Government · Secondary below peers
  • Kogarah High School Government · Secondary below peers

Schools in Monterey

No schools recorded inside this suburb's boundary. Children here will be zoned to schools nearby.

Amenities in the suburb

Kogarah Monterey
Supermarkets 5 0
Cafes & restaurants 29 3
Parks & reserves 8 3
Childcare 7 3
GPs 10 1
Pharmacies 8 0
Hospitals 2 0
Police stations 1 0
Banks & Bank@Post 3 0
Fuel stations 2 0
Waterways 2 1

Mobility

Kogarah Monterey
Walkability score 96/100 68/100
Distance to Sydney 18.2 km
+5% vs other
 17.3 km
Drive time (normal traffic) 23 min 22 min
Public transport score 79/100
Rail · Bus
 79/100
Bus
Peak arrivals per hour 259.0
7-9am + 5-7pm
 110.8
7-9am + 5-7pm
Median peak wait 0 min
scheduled, not actual
same for both
Electric vehicle share 1.2%
postcode 2217
same for both
Rooftop solar per 100 dwellings 12
postcode 2217
same for both

How people get to work

Method of travel on census day 2021 — which fell during COVID restrictions, so working from home is inflated and every travel mode understated.

Kogarah Monterey
Car (driver) 33.0% / 51.0%
Kogarah — Car (driver): 33.0% Monterey — Car (driver): 51.0%
Worked from Home 36.5% / 39.7%
Kogarah — Worked from Home: 36.5% Monterey — Worked from Home: 39.7%
Train 17.9% / 3.1%
Kogarah — Train: 17.9% Monterey — Train: 3.1%
Walked Only 8.2% / 1.1%
Kogarah — Walked Only: 8.2% Monterey — Walked Only: 1.1%
Car (passenger) 2.9% / 3.5%
Kogarah — Car (passenger): 2.9% Monterey — Car (passenger): 3.5%
Bus 1.3% / 1.1%
Kogarah — Bus: 1.3% Monterey — Bus: 1.1%

Bars are drawn against the largest share shown (51.0%).

Setting

Kogarah Monterey
Elevation 25 m
above sea level, at the suburb centre
 6 m
above sea level, at the suburb centre
Distance to the ocean 1.5 km
4.7 km to a named beach
 401 m
3.7 km to a named beach

NBN connectivity

Kogarah Monterey
Connectivity score 80/100 84/100
Most common technology Fibre to the curb
same for both
Full-fibre (FTTP) share 20%
7,986 premises
 25%
2,132 premises

Climate

Kogarah Monterey
Annual rainfall 1,129 mm
same for both
Summer max (Jan) 27.5°C
same for both
Winter min (Jul) 9.5°C
same for both

Air quality (annual mean)

Kogarah Monterey
PM2.5 6.5 µg/m³
same for both
PM10 16.1 µg/m³
same for both
NO₂ 0.79 pphm
same for both

Council rates

Kogarah Monterey
Average residential rate $1,217/yr
same for both
Council Bayside (NSW)
same for both

Federal electorate

Kogarah Monterey
Division Barton Kingsford Smith
Member Ash Ambihaipahar Matt Thistlethwaite
Party Australian Labor Party
same for both

First Home Owner Grant

Kogarah Monterey
Grant amount $10,000
same for both
Property price cap $600,000
same for both
Eligibility New
same for both

Tags

Kogarah

Apartments Coastal Middle-Ring Multicultural Parks Urban

Monterey

Apartments Coastal Middle-Ring Multicultural Parks River Townhouses Urban

More comparisons

Other comparisons with Kogarah

Kogarah vs Bexley Kogarah vs Rockdale Kogarah vs Carlton Kogarah vs Beverley Park Kogarah vs Ramsgate

Other comparisons with Monterey

Monterey vs Rockdale Monterey vs Brighton-Le-Sands Monterey vs Ramsgate Beach Monterey vs Ramsgate
Full data on Kogarah Full data on Monterey
Unlock full address-level data — $29/month

Information shown is provided as-is from Australian government and commercial data sources.
Always verify with the relevant authority before making property decisions.
See Data Sources and How We Calculate for details.

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