Monterey vs Ramsgate

Monterey is the younger of the two, with a median age of 44 against 47 in Ramsgate. In both, most households own their home. In Ramsgate, most homes are detached houses. Monterey is closer to the city centre: 17.3 km, against 19.5 km.

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

They split

one each way, out of the 6 things we measure here

  • Monterey carries lower crime risk (29/100 vs 58/100)
  • Ramsgate has more separate houses rather than flats (57% vs 44%)

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

First-home buyers

Too close to call

Nothing among the 3 things we measure here separates them by enough to be worth acting on.

Weighs house prices, unit prices, and mortgage stress.

Renters

Monterey

ahead on the one thing that separates them

  • has cheaper rent ($480/wk vs $550/wk)

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

Commuting to the city

They split

one each way, out of the 4 things we measure here

  • Monterey sits closer to the CBD (17.3 km vs 19.5 km)
  • Ramsgate is more walkable (78/100 vs 68/100)

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

Downsizers and retirees

Monterey

ahead on 2 of the 5 things we measure here

  • carries lower crime risk (29/100 vs 58/100)
  • has more units and townhouses to downsize into (56% vs 43%)
  • But Ramsgate is more walkable (78/100 vs 68/100)

Weighs smaller dwellings, 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

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

Monterey Ramsgate
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.

Monterey Ramsgate
Walkability 68 / 78
Monterey — Walkability: 68/100 Ramsgate — Walkability: 78/100
Safety 71 / 42
Monterey — Safety: 71/100 Ramsgate — Safety: 42/100
Low fire risk 100 / 100
Monterey — Low fire risk: 100/100 Ramsgate — Low fire risk: 100/100

Demographics

Monterey has more residents (4,619 vs 1,151); Ramsgate rents higher ($550/wk vs $480/wk).

Monterey Ramsgate
Population 4,619
+75% vs other
 1,151
Population trend (2016 → 2021) +1.9% +3.3%
Median age 44 47
Median household income $92,820/yr $93,756/yr
+1% vs other
Median weekly rent $480/wk $550/wk
+15% vs other

Age profile

Share of residents in each band, 2021 Census.

Monterey Ramsgate
0-4 4.5% / 5.0%
Monterey — 0-4: 4.5% Ramsgate — 0-4: 5.0%
5-14 10.0% / 8.3%
Monterey — 5-14: 10.0% Ramsgate — 5-14: 8.3%
15-19 4.9% / 5.5%
Monterey — 15-19: 4.9% Ramsgate — 15-19: 5.5%
20-24 5.6% / 4.3%
Monterey — 20-24: 5.6% Ramsgate — 20-24: 4.3%
25-34 12.0% / 13.1%
Monterey — 25-34: 12.0% Ramsgate — 25-34: 13.1%
35-44 13.5% / 11.6%
Monterey — 35-44: 13.5% Ramsgate — 35-44: 11.6%
45-54 15.3% / 16.2%
Monterey — 45-54: 15.3% Ramsgate — 45-54: 16.2%
55-64 12.6% / 14.2%
Monterey — 55-64: 12.6% Ramsgate — 55-64: 14.2%
65-74 10.2% / 11.1%
Monterey — 65-74: 10.2% Ramsgate — 65-74: 11.1%
75-84 8.2% / 7.0%
Monterey — 75-84: 8.2% Ramsgate — 75-84: 7.0%
85+ 3.1% / 4.1%
Monterey — 85+: 3.1% Ramsgate — 85+: 4.1%

Bars are drawn against the largest share shown (16.2%).

Who lives together

Household composition, 2021 Census.

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%
Ramsgate 43.9% couple families
Ramsgate — Couple Families: 43.9% Ramsgate — Lone Person: 33.4% Ramsgate — One Parent Families: 17.8% Ramsgate — Group Household: 2.5% Ramsgate — Other Families: 2.5%
Couple Families Lone Person One Parent Families Group Household Other Families

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Monterey 31.2% renting
Monterey — Owned Outright: 38.1% Monterey — Mortgage: 30.7% Monterey — Renting: 31.2%
Ramsgate 32.1% renting
Ramsgate — Owned Outright: 37.0% Ramsgate — Mortgage: 30.9% Ramsgate — Renting: 32.1%
Owned outright Mortgage Renting

Qualifications

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

Monterey Ramsgate
Bachelor Degree 17.5% / 14.6%
Monterey — Bachelor Degree: 17.5% Ramsgate — Bachelor Degree: 14.6%
Certificate III & IV 10.7% / 12.4%
Monterey — Certificate III & IV: 10.7% Ramsgate — Certificate III & IV: 12.4%
Advanced Diploma / Diploma 9.4% / 8.5%
Monterey — Advanced Diploma / Diploma: 9.4% Ramsgate — Advanced Diploma / Diploma: 8.5%
Postgraduate Degree 5.2% / 5.7%
Monterey — Postgraduate Degree: 5.2% Ramsgate — Postgraduate Degree: 5.7%
Graduate Diploma / Certificate 1.4% / 1.8%
Monterey — Graduate Diploma / Certificate: 1.4% Ramsgate — Graduate Diploma / Certificate: 1.8%

Bars are drawn against the largest share shown (17.5%).

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.

Monterey Ramsgate
Greece 5.9% / 4.1%
Monterey — Greece: 5.9% Ramsgate — Greece: 4.1%
Egypt 4.1% / 2.1%
Monterey — Egypt: 4.1% Ramsgate — Egypt: 2.1%
China 2.2% / 2.2%
Monterey — China: 2.2% Ramsgate — China: 2.2%
England 1.6% / 2.4%
Monterey — England: 1.6% Ramsgate — England: 2.4%
Lebanon 1.3% / 1.5%
Monterey — Lebanon: 1.3% Ramsgate — Lebanon: 1.5%
New Zealand 1.2% / 1.6%
Monterey — New Zealand: 1.2% Ramsgate — New Zealand: 1.6%

Bars are drawn against the largest share shown (5.9%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Monterey 43.6% houses
Monterey — Houses: 43.6% Monterey — Flats / Apartments: 34.8% Monterey — Townhouses: 21.6%
Ramsgate 57.2% houses
Ramsgate — Houses: 57.2% Ramsgate — Flats / Apartments: 37.4% Ramsgate — Townhouses: 5.4%
Houses Flats / Apartments Townhouses

Property market

Monterey Ramsgate
Median house price $2,564,000 $2,575,000
Median unit price $841,000 $839,000
Median land price —
same for both
Typical days to sell (houses) 25 days
from 15 sales
 33 days
from 3 sales

Zoning mix

Monterey Ramsgate
Residential 69% 49%
Parks and recreation 16% 29%
Infrastructure and transport 14% 19%
Commercial 0% 3%
Planning zones cover 99% of Monterey and 100% of Ramsgate. 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

Monterey Ramsgate
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.

Monterey Ramsgate
Houses 2.6%
$1,200/wk on $2.38M
 —
Units 4.3%
$680/wk on $830K
 —

Ranking within NSW

Monterey Ramsgate
House price Higher than 91% of NSW Higher than 84% of NSW
Income Higher than 60% of NSW Higher than 61% of NSW
Schools —
same for both
Walkability Higher than 88% of NSW Higher than 91% of NSW
Affordability Higher than 7% of NSW Higher than 16% of NSW
EV adoption Higher than 85% of NSW
same for both
NBN connectivity Higher than 91% of NSW Higher than 92% of NSW
Rental yield (houses) Higher than 9% of NSW —
Rental yield (units) Higher than 34% of NSW —

Liveability

Ramsgate is more walkable (78 vs 68).

Monterey Ramsgate
Grade A
same for both
Score 78/100 74/100
Socio-economic band very advantaged area
decile 9/10
same for both

Risk profile

Ramsgate carries more crime risk (58 vs 29).

Monterey Ramsgate
Bushfire None
0/100
same for both
Crime Low
29/100
 Moderate
58/100
Flood Not mapped
no mapped data here
same for both
Coastal erosion High
76/100
 None
0/100
Aircraft noise None
0/100
same for both
Industrial facilities nearby 4
within 5 km
 2
within 5 km

Schools

Monterey Ramsgate
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
Universities within 10 km 2
The University of New South Wales, 9.4 km
 None

Amenities in the suburb

Monterey Ramsgate
Cafes & restaurants 3 0
Parks & reserves 3
same for both
Childcare 3 1
GPs 1 2
Pharmacies 0 2
Banks & Bank@Post 0 1
Waterways 1
same for both

Mobility

Ramsgate sits further from the CBD (19.5 km vs 17.3 km).

Monterey Ramsgate
Walkability score 68/100 78/100
Distance to Sydney 17.3 km 19.5 km
+13% vs other
Drive time (normal traffic) 22 min 25 min
Public transport score 79/100
Bus
same for both
Peak arrivals per hour 110.8
7-9am + 5-7pm
 41.2
7-9am + 5-7pm
Median peak wait 0 min
scheduled, not actual
 1 min
scheduled, not actual
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.

Monterey Ramsgate
Car (driver) 51.0% / 53.6%
Monterey — Car (driver): 51.0% Ramsgate — Car (driver): 53.6%
Worked from Home 39.7% / 39.5%
Monterey — Worked from Home: 39.7% Ramsgate — Worked from Home: 39.5%
Car (passenger) 3.5% / 2.3%
Monterey — Car (passenger): 3.5% Ramsgate — Car (passenger): 2.3%
Train 3.1% / 1.4%
Monterey — Train: 3.1% Ramsgate — Train: 1.4%
Walked Only 1.1% / 2.3%
Monterey — Walked Only: 1.1% Ramsgate — Walked Only: 2.3%
Bus 1.1% / 0.9%
Monterey — Bus: 1.1% Ramsgate — Bus: 0.9%

Bars are drawn against the largest share shown (53.6%).

Setting

Monterey Ramsgate
Elevation 6 m
above sea level, at the suburb centre
 10 m
above sea level, at the suburb centre
Distance to the ocean 401 m
3.7 km to a named beach
 781 m
3.1 km to a named beach

NBN connectivity

Monterey Ramsgate
Connectivity score 84/100 86/100
Most common technology Fibre to the curb
same for both
Full-fibre (FTTP) share 25%
2,132 premises
 38%
701 premises

Climate

Monterey Ramsgate
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)

Monterey Ramsgate
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

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

Federal electorate

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

First Home Owner Grant

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

Tags

Monterey

Apartments Coastal Middle-Ring Multicultural Parks River Townhouses Urban

Ramsgate

Apartments Coastal Middle-Ring Multicultural Parks River

More comparisons

Other comparisons with Monterey

Monterey vs Kogarah Monterey vs Rockdale Monterey vs Brighton-Le-Sands Monterey vs Ramsgate Beach

Other comparisons with Ramsgate

Ramsgate vs Kogarah Ramsgate vs Sans Souci Ramsgate vs Beverley Park Ramsgate vs Ramsgate Beach
Full data on Monterey Full data on Ramsgate
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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