Cudmirrah NSW 2540

Located in New South Wales, Cudmirrah sits 210 km from Sydney CBD, around 2 hours 55 minutes by car. The locality has 284 residents, a median age of 56, and a median household income of $56,836 per year. On socioeconomic measures it sits in the lower-middle tier nationally. Population grew 3.3% from 2016 to 2021. The 2021 Census recorded a median rent of $280 per week and a median monthly mortgage of $1,300. The area shows no recorded bushfire exposure. Walkability is low.

This locality is too small to rate.

The Liveability Rating is calculated for suburbs of 500 residents or more, and this one has 284. Below that the school, census and safety figures behind the score cover too few people to rank fairly against the rest of the state. The individual measures further down this page are still shown.

How do you rate the liveability in Cudmirrah?

Local knowledge beats any dataset. Rate it and see what other residents think.

Our score

Not enough data to score this locality.

Residents say

…

AwfulPoorAverageGoodGreat
What applies here? (optional)

One rating per person. You can change yours at any time.

Median House Price

Q4 2025

Cudmirrah's house market is moving lower: the median sale price reached $850,000 in the December 2025 quarter, about 1% below where it sat a year earlier. That said, only nine sales settled in the quarter, so the median is a noisy signal — treat it as a direction rather than a level. Zoom out: prices have climbed roughly 151% over the past decade — 9.6% per year on average.

$850,000

last 5 quarters
↓ −1.3% year-on-year
↑ +150.7% over 2015–2025 (+9.6%/yr compound)

Based on 9 recorded sales in the quarter.

Rental Market

Rent agreed on new leases

Jul–Sep 2026
3-bed houses
$600/wk
116 bonds
+27% since 2021
2-bed units
$470/wk
11 bonds
+30% since 2021

Median weekly rent on bonds lodged for new tenancies across postcode 2540 (NSW publishes bonds by postcode, which can cover several suburbs). Change since 2021 compares the median of the first four quarters with the last four. Asking rents above come from advertised listings.

Rental affordability

June quarter 2025

100 Moderately unaffordable · the average rental household in this region would pay about 30% of its income on the median rent in postcode 2540.

SGS Rental Affordability Index: a score of 100 means rent takes 30% of income, the usual housing-stress line; lower scores are less affordable. "Region" is the capital city or the rest of the state.

Is Cudmirrah safe? Crime statistics

2025

Crime in Cudmirrah sits in the low band, with 3 incidents recorded in 2025 — down roughly 57% on the prior year.

3 offences

57.1% since 2024
Property Damage 1 (33.3%)
Sexual Offences 1 (33.3%)
Theft 1 (33.3%)

Crime Trend

Serious Road Crashes

2021–2025

No crash in Cudmirrah killed anyone or put anyone in hospital in 2021–2025.

Crashes are counted where they happened, so a main road through the locality carries people passing through; this is not a measure of risk to residents. Roads are listed with 3 or more serious crashes.

Council Flood Studies

Shoalhaven City Council has published 31 flood studies on the NSW Flood Data Portal. The mapped flood areas are in those studies; SuburbScan does not hold them.

All 31 on the portal

Coastal Erosion

13
monitoring points
within 5 km
13
actively eroding
> 0.1 m/yr retreat
-0.28
worst rate (m/yr)
Moderate
475 m
nearest coastline
monitoring point

Shoreline Change Summary

1988–2025
Stable or accreting 0 (0%)
Moderate erosion (0.1–0.3 m/yr) 13 (100%)
Significant erosion (> 0.3 m/yr) 0 (0%)

Nearest Eroding Coastline

Distance
475 m
Rate
-0.18 m/yr
Net Movement
-19.6 m
Certainty
good

Data Quality

High certainty: 13 of 13 points (100%)

Schools

No schools in this locality boundary.

Walkability

Cudmirrah is car-dependent on foot — at 27/100, most errands require a car.

27
out of 100
Car-Dependent
Public Transport within 1 km 66
Schools within 1.5 km 0
Parks within 800 m 60
Supermarkets within 1 km 0
GPs within 1 km 0
Pharmacies within 1 km 0
Childcare within 1 km 0
Hospitals within 5 km 0

NBN connectivity

The internet access technology available across NBN premises in Cudmirrah.

45
connectivity score / 100
Most common
Fibre to the node
Full-fibre (FTTP) share
0%
Premises covered
248
Technology mix
Fibre to the node (FTTN) 100%

NBN Co fixed-line and fixed-wireless premises, as at 30 December 2025. Higher-quality technologies (full fibre) score above copper, wireless, and satellite. Actual speeds depend on your plan.

Amenities

Supermarkets
None
Shopping Centres
None
Cafes & Restaurants
1 in locality
Parks & Reserves
1 in locality
Sport & Recreation
None
Beaches
1 in locality
Waterways
1 in locality
Childcare
None
GPs
None
Pharmacies
None
Hospitals
None
Police Stations
None
Banks & Bank@Post
None
Fuel Stations
1 in locality
EV Chargers
None
Pubs & Bars
None
Arts & Culture
None
Places of Worship
None

Shoalhaven: council population

The whole council area, not just Cudmirrah · estimated residents
at 30 June 2025
Residents
111,755
+0.7% in a year
Change
+774
people since 2024
Density
24
people per km² across the council area
What drove the change
Natural increase
-248
births minus deaths
Net internal migration
+702
moves within Australia
Net overseas migration
+320
arrivals minus departures

The three add up to the change above. These are council-wide figures from the ABS, not figures for this locality alone — this locality's own population is in the census section above.

Socio-economic profile

ABS SEIFA · ranked against every suburb in Australia, and within the state
2021 census
Advantage and disadvantage
4/10
4/10 within NSW
income, education, jobs and housing together
Economic resources
2/10
2/10 within NSW
income against housing cost and household size
Education and occupation
5/10
4/10 within NSW
qualifications and job type, income excluded

Cudmirrah is home to 284 residents, with a median age of 56 — noticeably older than the national figure of 38. Median household income runs at $57,000 a year, with unemployment at 3.5%.

2021 Census · change since 2016

Population

284

3.3% since 2016

Median Age

56

7.7% since 2016

Median Household Income

$56,836/yr

19.5% since 2016
Bottom 17% in NSW

Census Median Rent

$280/wk

16.7% since 2016

Census Median Mortgage

$1,300/mo

8.3% since 2016

Avg Household Size

2.0

9.1% since 2016

Median Personal Income

$34,008/yr

26.5% since 2016

Unemployment Rate

3.5%

67.9% since 2016

Unoccupied Dwellings

85.2%

10.2% since 2016

Total Dwellings

122

4.3% since 2016

Owner-Occupier Rate

87.2%

5.1% since 2016

Houses

84.4%

3.9% since 2016

Rental Stress

25.6%

2.3% since 2016

Mortgage Stress

27.4%

9.6% since 2016

Work From Home

23.0%

177.1% since 2016

Dwelling Types

Houses 103 (84.4%)
Flats / Apartments 16 (13.1%)
Townhouses 3 (2.5%)

Property Ownership

Owned Outright 66 (56.4%)
Mortgage 36 (30.8%)
Renting 15 (12.8%)

Demographics

Born in Australia
78.5%
English Spoken at Home
88.7%
Employment Rate
43.2%
19.3% since 2016
Completed Year 12
33.1%

Occupations

Technicians & Trades 25 (23.1%)
Community & Personal Service 22 (20.4%)
Professionals 21 (19.4%)
Clerical & Administrative 14 (13.0%)
Managers 8 (7.4%)
Labourers 6 (5.6%)
Sales 3 (2.8%)

Religion

Christianity 129 (45.4%)
No Religion 124 (43.7%)

Country of Birth (overseas)

Largest overseas birthplaces, as a share of all residents.

England 8 (2.8%)
Germany 6 (2.1%)
Scotland 5 (1.8%)

Age Distribution

0-4 13 (4.6%)
5-14 14 (4.9%)
15-19 10 (3.5%)
20-24 11 (3.9%)
25-34 24 (8.5%)
35-44 18 (6.3%)
45-54 38 (13.4%)
55-64 53 (18.7%)
65-74 52 (18.3%)
75-84 32 (11.3%)
85+ 5 (1.8%)

Family & Household Composition

Lone Person 53 (60.9%)
Couple Families 20 (23.0%)
One Parent Families 11 (12.6%)
Group Household 3 (3.4%)

Commute to Work

Car (driver) 66 (66.0%)
Worked from Home 23 (23.0%)
Car (passenger) 6 (6.0%)
Walked Only 5 (5.0%)

Education

Certificate III & IV 76 (26.8%)
Bachelor Degree 25 (8.8%)
Advanced Diploma / Diploma 19 (6.7%)
Postgraduate Degree 4 (1.4%)
Graduate Diploma / Certificate 3 (1.1%)

Cars per Dwelling

0 cars 3 (2.6%)
1 car 49 (41.9%)
2 cars 32 (27.4%)
3 cars 25 (21.4%)
4+ cars 11 (9.4%)

Council Rates

Shoalhaven
FY 2024-25

Households face an average residential rates bill of $1,501 a year through Shoalhaven based on 2024 figures.

Avg residential rate
$1,501/yr
22% above the NSW average of $1,230 · median of 128 councils
Valuation basis
Unimproved Value
land only

How this land is zoned

Share of Cudmirrah's area by planning zone
2026-09
  • Parks and recreation 46%
  • Residential 43%
  • Environmental 3%
  • Infrastructure and transport 2%
  • Not zoned 6%

Planning zones cover 94% of the locality's area. 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 locality around it — the property page shows the zone for one address.

Building Approvals: Shoalhaven

The whole council area, not just Cudmirrah · new residential dwellings
to 2026-08

In the year to August 2026, 854 new dwellings were approved across Shoalhaven. That mix is 513 houses and 341 units. Approvals are down 9.5% on the same period a year earlier.

Trailing 12 months
854dwellings
-9.5% YoY
Houses
513
detached dwellings
Units
341
townhouses + apartments

Aboriginal Land Council

Aboriginal land in this area is administered by the Jerrinja Local Aboriginal Land Council.

Local Aboriginal Land Councils are statutory bodies under the Aboriginal Land Rights Act 1983, responsible for land claims and land management for their members. Their boundaries are administrative and are not a statement of whose Country this is. NSW does not publish a register of Aboriginal parties by area — they are registered for each project.

Climate & Setting

from Ulladulla AWS, 19.5 km

High rainfall — warm summers, mild winters.

Elevation
17 m
above sea level, at the locality centre
Distance to the ocean
484 m
465 m to a named beach
Annual rainfall
1,302 mm
100 rainy days
Summer max (Jan)
23.9°C
2 days ≥ 35°C
Winter min (Jul)
9.6°C
0 frost days ≤ 0°C

Elevation is the ground at the locality centre, from Geoscience Australia's National Digital Elevation Model. Approximate — it reads high in dense built-up areas. It is a measure of height above sea level and not an indicator of flood risk, which depends on height above nearby waterways.

Industrial Emissions Nearby

1 facility within 5 km

EV adoption

0.5%
of light vehicles are electric
Up from 0.03% in 2021
+0.2 points this year

In postcode 2540, 206 of 40,088 registered light vehicles are battery-electric on 31 January 2025. A further 2.3% (940 vehicles) are hybrid or plug-in hybrid, taking the non-petrol, non-diesel share to 2.9%.

Electric share, year by year
2021
0.03%
2022
0.07%
2023
0.14%
2024
0.34%
2025
0.51%

Rooftop solar

44
systems per 100 dwellings
Averaging 6.4 kW each

In postcode 2540, 11,477 rooftop-solar systems totalling 73.5 MW have been installed since 2001, against 26,038 dwellings recorded in the 2021 Census. 786 went up in the last year.

Counts every system certified since 2001, so a roof re-fitted with a newer system is counted twice, and small commercial systems are included alongside houses — useful for comparing postcodes, not an estimate of how many homes have working panels today.

Systems installed, year by year
2019
977
2020
1,048
2021
1,175
2022
960
2023
910
2024
878
2025
701
2026
479

2026 covers part of the year only, to 2026-07.

First Home Owner Grant

FY2026-27

$10,000 for new homes priced up to $600,000.

Off-the-plan or contracted-build value cap is $750,000 (vs $600,000 for completed new homes). Stamp duty concessions are a separate scheme (First Home Buyers Assistance).

Verify eligibility with Revenue NSW

Mortgage repayments

Q4-2025 median
I'm looking for
Deposit
$
%
Monthly repayment
$4,433
Loan amount
$680,000
Total interest over 30 years
$915,913

6 mortgage brokers are registered in postcode 2540.

Deposit
$170,000
Stamp duty
$32,437
Cash needed at settlement
$202,437

Transfer duty at the owner-occupier rate, and it excludes first home buyer concessions — those can cut it substantially or remove it entirely. Excludes legal, inspection and lender fees. Check with Revenue NSW

The First Home Owner Grant applies to newly built homes only, so it isn't available on an established purchase. A first home buyer building or buying new under $600,000 may qualify for $10,000 — see what qualifies with Revenue NSW.

Principal and interest over 30 years, fixed rate. Excludes fees, offset, redraw and LMI. Default rate is the median comparison rate across 1788 advertised products as at 2026-10-27 — indicative only, and not an offer. Your rate depends on the lender, your deposit and your circumstances. Not financial advice.

Federal Electorate

Division of Gilmore

Currently held by Fiona Phillips Australian Labor Party

Year Winner 2PP ALP 2PP LNP Swing
2025 Fiona Phillips 55.1% 44.9% +5.0
2022 Fiona Phillips 50.2% 49.8% +2.4
2019 Fiona Phillips 52.6% 47.4% -3.3

Results are per division — federal electoral boundaries are redrawn periodically, so the history reflects this division's past, not necessarily the exact locality's voters across time.

State Electorate

South Coast District

Currently held by Liza Butler Labor

Next state election: 13 March 2027.

Year Winner Won with
2023 Liza Butler ALP 53.8%
2019 Shelley Hancock LP 60.5%
2015 Shelley Hancock LP 59.6%

Results are per district. Districts were last redrawn in 2021, so results from before then describe the district of that name, not necessarily this locality's voters. Results: © State of New South Wales through the NSW Electoral Commission, CC BY 4.0, adapted.

Looking at a specific address in Cudmirrah?

Every figure above is a locality average, and an average smooths over the difference between a street of family homes and a block of flats. Look up one address and you get the census for the few hundred people around it, its own nearest schools and stops, and what the state has mapped for that block.

Free to look up. Subscribers see every section in full — $29/month.

Nearby suburbs

Compare Cudmirrah to another suburb

Side-by-side stats for any other NSW suburb — type a name and pick one.

Or jump straight to a nearby comparison:

Common questions about Cudmirrah

Is Cudmirrah a safe place to live?

Recorded crime in Cudmirrah is low (21/100, ranked against other NSW suburbs on offences per resident).

What natural hazards affect Cudmirrah?

Cudmirrah has no recorded bushfire history. These are locality-wide figures; check the address, as flood and bushfire exposure change street by street.

What is the population of Cudmirrah?

Cudmirrah, NSW had a population of 284 at the 2021 Australian Bureau of Statistics census.

What is the postcode for Cudmirrah, NSW?

The postcode for Cudmirrah, NSW is 2540.

How far is Cudmirrah from Sydney?

Cudmirrah is 210 km from Sydney CBD by road, about 173 minutes by car in normal traffic. Distance is the most-direct driving route, not straight-line.

What is the median household income in Cudmirrah?

At the 2021 ABS Census, median household income in Cudmirrah was $56,836 a year. It is the most recent suburb-level income figure until 2026 Census results are released in 2027.

What is the median weekly rent in Cudmirrah?

There are too few current rental listings in Cudmirrah for a reliable median. At the 2021 ABS Census the median weekly rent was $280, across all dwelling types.

What is the median age in Cudmirrah?

The median age of residents in Cudmirrah was 56 at the 2021 ABS Census.

Is Cudmirrah walkable?

Cudmirrah scores 27/100 on the SuburbScan Walkability Score, making it car-dependent. The score is a weighted average of public transport, schools, parks, supermarkets, GPs, pharmacies, childcare, and hospitals within walking distance.

What is the weather like in Cudmirrah?

At the nearest Bureau of Meteorology station to Cudmirrah, Ulladulla AWS (19.5 km away), summer days average 23.9°C, winter nights 9.6°C, 1,302 mm of rain a year over 100 rainy days, and 2 days a year above 35°C over 2006-2026.

What is the median house price in Cudmirrah?

The median sale price for houses in Cudmirrah was $850,000 in the Q4 2025 quarter, based on 9 recorded sales.

Is the First Home Owner Grant available in Cudmirrah?

First-home buyers in NSW may be eligible for $10,000 towards new homes with a purchase price up to $600,000. The grant is administered by Revenue NSW; confirm current eligibility before signing a contract — state rules and amounts can change.

What council does Cudmirrah belong to?

Cudmirrah sits within the Shoalhaven local government area. Council rates, planning approvals, and waste collection fall under this LGA.

How much are council rates in Cudmirrah?

The average residential rates bill through Shoalhaven is $1,501 a year (2024). Every suburb in this LGA shares the same schedule — individual bills vary with land value.

How much is being built near Cudmirrah?

Across Shoalhaven, 854 new residential dwellings were approved in the year to August 2026 (source: ABS Building Approvals). That's down 9.5% on the same period a year earlier. These are LGA-level totals — every suburb in the council shares the same figure.

Which federal electorate is Cudmirrah in?

Cudmirrah sits within the federal Division of Gilmore, currently held by Fiona Phillips (Australian Labor Party).

Search another suburb or address

Data freshness

Vintages show when each source's data is from. See all data sources.

Was the information on this page useful to you?

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.

Save this page for later

We'll email you a link to this page so you can finish reading it on any device. We use your address once to send it and don't keep it.

or