Millbank vs Mungay Creek
Mungay Creek is the younger of the two, with a median age of 43 against 59 in Millbank. In both, the large majority of households own their home and the large majority of homes are detached houses. In Millbank, most households are people living alone. Houses cost more in Mungay Creek: a median of $758,000, against $600,000 in Millbank, and rent is higher there too. On these figures, Millbank tends to suit people living alone and buyers on a tighter budget, while Mungay Creek suits share households and families with children.
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
Mungay Creek
ahead on 2 of the 6 things we measure here
- is already more of a family suburb (53% vs 37%)
- has more separate houses rather than flats (100% vs 89%)
Weighs schools, house stock, crime, parks, childcare, and who already lives there.
First-home buyers
Millbank
ahead on 2 of the 2 things we measure here
- leaves households under less mortgage stress (18% vs 26%)
- has cheaper houses ($600,000 vs $757,500)
Weighs house prices and mortgage stress.
Renters
Millbank
ahead on the one thing that separates them
- has cheaper rent ($250/wk vs $423/wk)
Weighs rent, rental stress, and how much is for rent.
Commuting to the city
Mungay Creek
ahead on the one thing that separates them
- sits closer to the CBD (463.9 km vs 474.9 km)
Weighs distance, drive time, and walkability.
Downsizers and retirees
Millbank
ahead on the one thing that separates them
- has more residents already 65 and over (25% vs 17%)
Weighs who already lives there, GPs, walkability, and crime.
Investors
Too close to call
Nothing among the 1 things we measure here separates them by enough to be worth acting on.
Weighs population growth.
Where they sit
Millbank and Mungay Creek drawn to the same scale. Both outlines are shown together, so the map answers whether they share a border and how their areas compare.
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.
Demographics
Mungay Creek rents higher ($423/wk vs $250/wk); Mungay Creek has higher household incomes ($65,832 vs $40,248).
| Millbank | Mungay Creek | |
|---|---|---|
| Population | 113 | 133 +18% vs other |
| Population trend (2016 → 2021) | -8.9% | -5.7% |
| Median age | 59 | 43 |
| Median household income | $40,248/yr | $65,832/yr +64% vs other |
| Median weekly rent | $250/wk | $423/wk +69% vs other |
Age profile
Share of residents in each band, 2021 Census.
Bars are drawn against the largest share shown (30.1%).
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.
Bars are drawn against the largest share shown (3.5%).
Who lives together
Household composition, 2021 Census.
What people live in
Occupied private dwellings by structure, 2021 Census.
Qualifications
Highest non-school qualification, residents 15+, 2021 Census.
Bars are drawn against the largest share shown (21.2%).
Who owns and who rents
Occupied private dwellings by tenure, 2021 Census.
Property market
| Millbank | Mungay Creek | |
|---|---|---|
| Median house price | $600,000 | $757,500 |
| Median unit price | — same for both | |
| Median land price | — same for both | |
Zoning mix
Mungay Creek has more rural and farming land (98% vs 57%); Millbank has more land zoned for conservation (43% vs 2%).
| Millbank | Mungay Creek | |
|---|---|---|
| Rural and farming | 57% | 98% |
| Environmental | 43% | 2% |
| 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
| Millbank | Mungay Creek | |
|---|---|---|
| New dwellings approved | 144 across Kempsey same for both | |
| Approvals change year on year | +380% same for both | |
Ranking within NSW
| Millbank | Mungay Creek | |
|---|---|---|
| House price | Higher than 20% of NSW | Higher than 30% of NSW |
| Income | Higher than 4% of NSW | Higher than 28% of NSW |
| Schools | — same for both | |
| Walkability | Higher than 24% of NSW | Higher than 16% of NSW |
| Affordability | Higher than 35% of NSW | Higher than 54% of NSW |
| EV adoption | Higher than 7% of NSW same for both | |
| NBN connectivity | Higher than 13% of NSW | Higher than 27% of NSW |
Liveability
| Millbank | Mungay Creek | |
|---|---|---|
| Grade | — same for both | |
| Score | — same for both | |
| Socio-economic band | below-average income decile 2/10 | high-need area decile 1/10 |
Risk profile
| Millbank | Mungay Creek | |
|---|---|---|
| Bushfire | High 85/100 | High 88/100 |
| Crime | Moderate 48/100 | Moderate 56/100 |
| Flood | Not mapped no mapped data here same for both | |
| Coastal erosion | None 0/100 same for both | |
| Aircraft noise | None 0/100 same for both | |
| Industrial facilities nearby | 0 within 5 km same for both | |
Schools
| Millbank | Mungay Creek | |
|---|---|---|
| Inside the suburb | 0 same for both | |
| Rated above peers | 0 same for both | |
| Rated at peers | 0 same for both | |
| Rated below peers | 0 same for both | |
Amenities in the suburb
| Millbank | Mungay Creek | |
|---|---|---|
| Waterways | 9 | 5 |
Mobility
Millbank sits further from the CBD (474.9 km vs 463.9 km).
| Millbank | Mungay Creek | |
|---|---|---|
| Walkability score | 0/100 same for both | |
| Distance to Sydney | 474.9 km +2% vs other | 463.9 km |
| Drive time (normal traffic) | 344 min | 343 min |
| Electric vehicle share | 0.1% postcode 2440 same for both | |
| Rooftop solar per 100 dwellings | 53 postcode 2440 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.
Bars are drawn against the largest share shown (87.5%).
Setting
| Millbank | Mungay Creek | |
|---|---|---|
| Elevation | 140 m above sea level, at the suburb centre | 74 m above sea level, at the suburb centre |
| Distance to the ocean | 37.0 km | 32.3 km |
NBN connectivity
| Millbank | Mungay Creek | |
|---|---|---|
| Connectivity score | 15/100 | 18/100 |
| Most common technology | Satellite (Sky Muster) same for both | |
| Full-fibre (FTTP) share | 0% 52 premises | 0% 41 premises |
Council rates
| Millbank | Mungay Creek | |
|---|---|---|
| Average residential rate | $1,447/yr same for both | |
| Council | Kempsey same for both | |
Federal electorate
| Millbank | Mungay Creek | |
|---|---|---|
| Division | Cowper same for both | |
| Member | Pat Conaghan same for both | |
| Party | The Nationals same for both | |
First Home Owner Grant
| Millbank | Mungay Creek | |
|---|---|---|
| Grant amount | $10,000 same for both | |
| Property price cap | $600,000 same for both | |
| Eligibility | New same for both | |
Tags
Millbank
More comparisons
Other comparisons with Millbank
Other comparisons with Mungay Creek
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.