Kotara NSW 2289

Located in New South Wales, Kotara sits 157 km from Sydney CBD, around 2 hours by car. The suburb has 3,980 residents, a median age of 39, and a median household income of $108,004 per year. By household income, education, and employment patterns, it ranks in the top 20% nationally. The suburb grew 1.3% between 2016 and 2021. At the 2021 Census, households here paid a median rent of $460 per week and a median monthly mortgage of $2,167. Kotara is characterised by high crime risk and no recorded bushfire exposure. 3 schools sit within the suburb boundary, and walkability is moderate.

Is Kotara a good suburb?

Kotara scores a C (45/100) on SuburbScan's Liveability grade — strong on transit, prices, and community, weaker on schools and safety.

Schools

Below the state average

3 schools · Bottom 21% in NSW

Transit

Very walkable

Walkability 66/100 · 157.2 km · 120 min drive to Sydney

Prices

More affordable than most

Median $1.05M

Safety

High crime risk

Fire 0/100 · Crime 94/100

Community

Very advantaged

SEIFA decile 9/10 · median age 39 · 3,980 residents

C

Liveability Rating

45 / 100 · Ranked #881 in NSW

Each bar is Kotara's rank among NSW suburbs, from 0 to 100 (higher is better).

Schools quality
17
Few above similar
Bottom 21% in NSW
Safety
44
Bushfire None · Crime High

No flood data is published for New South Wales — a blank here means we hold no data, not that there is no risk.

Socio-economic
66
Very advantaged
Walkability
63
Walkable
CBD access
39
157.2 km · 120 min drive to Sydney
How it's calculated: Schools rank 17 × 25% + Safety rank 44 × 25% + Socio-economic rank 66 × 25% + Walkability rank 63 × 15% + CBD access rank 39 × 10% = 45 / 100. Missing components rebalance the remaining weights.

How do you rate the liveability in Kotara?

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

Our score

45 / 100

From schools, safety and socio-economic data — not opinion.

Residents say

…

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Median House Price

Public listings data

Kotara's house market is moving higher: the median sale price reached $1.05 million, about 10% above where it sat a year earlier.

Houses

$1,050,000

last 7 quarters

19% below its 6 neighbours (median $1,300,000)

↑ +9.9% year-on-year

Based on 89 recorded sales in the last 24 months.

Typically sold in 22 days — median across 33 sales that recorded a listing period

By bedrooms

  • 2 bed 6 sales $1.1M
  • 3 bed 54 sales $1M
  • 4 bed 12 sales $1.4M
  • 5 bed 8 sales $1.57M

Units

$745,000

↓ −11.1% year-on-year

Based on only 8 sales — small sample, take as indicative.

Typically sold in 78 days — median across 3 sales that recorded a listing period

Currently for Sale

Last 6 months

Houses in Kotara are currently listed at around $1.02 million on average. Based on 17 houses listed in the past six months.

$1.02M

last 4 months
↓ −7.3% vs previous 6 months from $1.1M
Since 2022: $832K → $952K (+14%)

17 houses listed in the last 6 months.

17 of the suburb's 1,476 dwellings (1.2%) were listed for sale in the last 6 months.

Rental Market

Advertised rents · last 6 months

Houses in Kotara rent for around $760 a week on average, based on 14 houses listed for rent in the past six months.

Houses

$760/wk

last 2 months

In line with its 3 neighbours (median $772/wk)

↓ −4.8% vs previous 6 months from $798/wk
Since 2021: $560/wk → $799/wk (+43%)

14 houses advertised for rent in the last 6 months.

Units

$800/wk

3 units advertised for rent in the last 6 months.

17 rentals advertised against an estimated 319 rented homes (5.3%) in the last 6 months.

Rent agreed on new leases

Jul–Sep 2026
3-bed houses
$750/wk
57 bonds
+36% since 2021
2-bed units
$580/wk
17 bonds
+47% since 2021

Median weekly rent on bonds lodged for new tenancies across postcode 2289 (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

79 Severely unaffordable · the average rental household in this region would pay about 38% of its income on the median rent in postcode 2289.

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.

Gross rental yield

Indicative
House
3.9% around the typical range

$760/week ($40,000 a year) on a $1.02 million median

Not enough unit sales and rentals in the window to calculate a yield.

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

Is Kotara safe? Crime statistics

2025

Crime in Kotara sits in the high band, with 651 incidents recorded in 2025 — up about 5% on the prior year.

651 offences

4.8% since 2024
Theft 451 (69.3%)
Assault 49 (7.5%)
Harassment & Stalking 40 (6.1%)
Property Damage 40 (6.1%)
Drug Offences 19 (2.9%)
Weapons Offences 16 (2.5%)
Disorderly Conduct 14 (2.2%)
Sexual Offences 8 (1.2%)
Robbery 6 (0.9%)
Other Offences Against Person 5 (0.8%)
Arson 3 (0.5%)

Crime Trend

Serious Road Crashes

2021–2025

5 crashes

where someone was killed or admitted to hospital

Crashes are counted where they happened, so a main road through the suburb 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

Newcastle City Council has published 2 flood studies on the NSW Flood Data Portal. The mapped flood areas are in those studies; SuburbScan does not hold them.

Schools

Three schools serve Kotara, and performance is broadly on par with peer-suburb schools.

50
out of 100
Average
3 schools in this suburb
2 at similar · 1 unrated
  • • 668 students across 3 schools (avg 223)
  • • Sectors: 2 Government, 1 Catholic
  • • ICSEA 816-1104, median 1069 (above the national baseline of 1000)
  • • Largest: St James' Primary School (334 students)

Primary

Government · K-6 · 309 students
ICSEA 1069 (higher than 75% of Australian schools) · 31% top-SEA students
At similar
Catholic · K-6 · 334 students
ICSEA 1104 (higher than 85% of Australian schools) · 40% top-SEA students
At similar

Combined

Government · U · 25 students
ICSEA 816 (higher than 3% of Australian schools) · 0% top-SEA students

Universities nearby

2.4% of residents here are full-time university students aged 15–24.

Distance is measured to the suburb centre. A campus nearby does not by itself mean a student rental market — most suburbs within a few kilometres of one have a student share close to the national norm, and the figure above is what tells them apart.

Walkability

Kotara is somewhat walkable on foot — at 66/100, a short cluster of errands work on foot but most trips still benefit from a car. Within the suburb there are 3 supermarkets, 9 parks and 17 cafes to anchor that walking radius.

66
out of 100
Somewhat Walkable
Top 13% in NSW
Public Transport within 1 km 86
Schools within 1.5 km 100
Parks within 800 m 100
Supermarkets within 1 km 0
GPs within 1 km 0
Pharmacies within 1 km 0
Childcare within 1 km 100
Hospitals within 5 km 100

Public transport

Weekday and weekend service frequency across every stop inside Kotara.

79
out of 100
Top 14% in NSW
RailBus
Peak (7-9am + 5-7pm)
136.0 arrivals/hr
Off-peak weekday
87.7 arrivals/hr
Saturday
64.7 arrivals/hr
Median peak wait
0 min
Span of service
23.8 hours
Direct to CBD (peak)
330 min wait

Scheduled service only, based on the 21 October 2026 timetable. Reliability (delays, cancellations) not measured.

NBN connectivity

The internet access technology available across NBN premises in Kotara.

65
connectivity score / 100
Most common
Fibre to the node
Full-fibre (FTTP) share
30%
Premises covered
2,216
Technology mix
Fibre to the node (FTTN) 54%
Fibre to the premises (FTTP) 30%
Fibre to the building (FTTB) 16%

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
3 in suburb
Shopping Centres
1 in suburb
Cafes & Restaurants
17 in suburb
Parks & Reserves
9 in suburb
Sport & Recreation
1 in suburb
Beaches
None
Waterways
4 in suburb
Childcare
7 in suburb
GPs
None
Pharmacies
3 in suburb
Hospitals
None
Police Stations
None
Banks & Bank@Post
5 in suburb
Fuel Stations
None
EV Chargers
None
Pubs & Bars
None
Arts & Culture
None
Places of Worship
1 in suburb

Newcastle: council population

The whole council area, not just Kotara · estimated residents
at 30 June 2025
Residents
178,935
+1.1% in a year
Change
+1,947
people since 2024
Density
958
people per km² across the council area
What drove the change
Natural increase
+434
births minus deaths
Net internal migration
-185
moves within Australia
Net overseas migration
+1,698
arrivals minus departures

The three add up to the change above. These are council-wide figures from the ABS, not figures for this suburb alone — this suburb'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
9/10
8/10 within NSW
income, education, jobs and housing together
Economic resources
6/10
5/10 within NSW
income against housing cost and household size
Education and occupation
9/10
8/10 within NSW
qualifications and job type, income excluded
How evenly that is spread

The ABS scores 11 small areas inside this suburb and averages them into the single decile above. They fall into 4 different deciles — a wide range, so parts of this suburb rank well above the average and parts well below it.

Kotara is home to about 4,000 residents, with a median age of 39, broadly in line with the national figure. Median household income runs at $108,000 a year, with unemployment at 4.0%.

2021 Census · change since 2016

Population

3,980

1.3% since 2016

Median Age

39

no change since 2016

Median Household Income

$108,004/yr

26.8% since 2016

Census Median Rent

$460/wk

21.1% since 2016

Census Median Mortgage

$2,167/mo

14.4% since 2016

Avg Household Size

2.6

no change since 2016

Median Personal Income

$48,204/yr

28.4% since 2016

Unemployment Rate

4.0%

23.1% since 2016

Unoccupied Dwellings

4.6%

38.7% since 2016

Total Dwellings

1,476

1.0% since 2016

Owner-Occupier Rate

78.4%

5.8% since 2016

Houses

88.1%

2.8% since 2016

Rental Stress

22.1%

4.7% since 2016

Mortgage Stress

24.1%

9.7% since 2016

Work From Home

33.8%

634.8% since 2016

Dwelling Types

Houses 1,301 (88.1%)
Townhouses 169 (11.4%)
Flats / Apartments 6 (0.4%)

Property Ownership

Mortgage 617 (42.3%)
Owned Outright 528 (36.2%)
Renting 315 (21.6%)
Of those rentals, social housing 18 (5.7%)

8 rented from a state or territory housing authority and 10 from a community housing provider, as a share of the 315 rented dwellings above — not of all dwellings.

Demographics

Born in Australia
84.8%
English Spoken at Home
89.6%
Employment Rate
65.7%
8.1% since 2016
Completed Year 12
47.7%

Occupations

Professionals 634 (30.0%)
Managers 272 (12.9%)
Clerical & Administrative 263 (12.4%)
Technicians & Trades 248 (11.7%)
Community & Personal Service 244 (11.5%)
Sales 192 (9.1%)
Labourers 149 (7.0%)
Machinery Operators & Drivers 80 (3.8%)

Religion

No Religion 1,870 (47.0%)
Christianity 1,799 (45.2%)
Buddhism 47 (1.2%)
Hinduism 31 (0.8%)
Other Religions 19 (0.5%)
Islam 17 (0.4%)
Sikhism 13 (0.3%)

Country of Birth (overseas)

Largest overseas birthplaces, as a share of all residents.

England 110 (2.8%)
New Zealand 35 (0.9%)
China 27 (0.7%)
South Africa 20 (0.5%)
Nepal 20 (0.5%)
Scotland 19 (0.5%)
India 18 (0.5%)
Vietnam 18 (0.5%)

When They Arrived

Share of all residents by the year they arrived in Australia. Periods cover different numbers of years, so compare the shape rather than the bar widths.

2016-2021 90 (2.3%)
2011-2015 77 (1.9%)
2001-2010 106 (2.7%)
1991-2000 43 (1.1%)
1981-1990 43 (1.1%)
Before 1981 135 (3.4%)

90 residents (2.3%) arrived since 2016. Australia’s borders were closed to most arrivals from March 2020, so the last two years of that period are much smaller than the ones before them — nationally 260,799 people arrived in 2019 against 28,521 in 2021.

Where New Residents Came From

Where residents aged five and over lived five years before the 2021 Census, for those who lived somewhere else.

4.7% of residents (177) lived in a capital city five years earlier, most of them in Sydney (121).

Overseas 96 (2.6%)
Hunter Valley exc Newcastle 66 (1.8%)
Mid North Coast 21 (0.6%)

Top places newcomers came from, as a share of the 3,749 residents aged five and over. Areas are ABS statistical regions. Small counts are approximate: the ABS adjusts every figure slightly to protect privacy.

Languages Spoken at Home

Top languages other than English, as a share of all residents.

Mandarin 27 (0.7%)
Italian 14 (0.4%)
Vietnamese 12 (0.3%)
Thai 10 (0.3%)
Spanish 8 (0.2%)
Greek 7 (0.2%)
French 6 (0.2%)
Cantonese 4 (0.1%)

Age Distribution

0-4 231 (5.8%)
5-14 533 (13.4%)
15-19 275 (6.9%)
20-24 248 (6.2%)
25-34 498 (12.5%)
35-44 565 (14.2%)
45-54 575 (14.4%)
55-64 418 (10.5%)
65-74 275 (6.9%)
75-84 250 (6.3%)
85+ 113 (2.8%)

Family & Household Composition

Couple Families 509 (47.1%)
Lone Person 316 (29.3%)
One Parent Families 184 (17.0%)
Group Household 58 (5.4%)
Other Families 13 (1.2%)

Commute to Work

Car (driver) 1,018 (60.3%)
Worked from Home 571 (33.8%)
Car (passenger) 63 (3.7%)
Walked Only 17 (1.0%)
Bicycle 13 (0.8%)
Train 6 (0.4%)

1% of employed residents work in a capital's city centre (29 of 2,114).

City centre: the ABS area around each capital's CBD, such as Sydney Inner City or Perth City (which takes in Subiaco and Leederville). 2021 Census place of work.

Education

Bachelor Degree 678 (17.0%)
Certificate III & IV 578 (14.5%)
Advanced Diploma / Diploma 340 (8.5%)
Postgraduate Degree 210 (5.3%)
Graduate Diploma / Certificate 99 (2.5%)

Cars per Dwelling

0 cars 68 (4.7%)
1 car 481 (33.0%)
2 cars 645 (44.2%)
3 cars 171 (11.7%)
4+ cars 98 (6.7%)

Council Rates

Newcastle
FY 2024-25

Households face an average residential rates bill of $1,783 a year through Newcastle based on 2024 figures.

Avg residential rate
$1,783/yr
45% above the NSW average of $1,230 · median of 128 councils
Valuation basis
Unimproved Value
land only

How this land is zoned

Share of Kotara's area by planning zone
2026-09
  • Residential 56%
  • Parks and recreation 12%
  • Environmental 9%
  • Commercial 8%
  • Infrastructure and transport 8%
  • Industrial 5%

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 — the property page shows the zone for one address.

Building Approvals: Newcastle

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

In the year to August 2026, 912 new dwellings were approved across Newcastle. That mix is 266 houses and 646 units. Approvals are up 77.4% on the same period a year earlier.

Trailing 12 months
912dwellings
+77.4% YoY
Houses
266
detached dwellings
Units
646
townhouses + apartments

Aboriginal Land Council

Aboriginal land in this area is administered by the Awabakal 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.

Air Quality

MODERATE

PM2.5 averaged 6.5 µg/m³ in 2025 — below Australia's NEPM annual standard (8 µg/m³), slightly above the stricter WHO guideline (5 µg/m³). 3 days exceeded the daily threshold of 25 µg/m³.

PM10 averaged 21.7 µg/m³ · NO₂ averaged 0.64 pphm. Days over the limit in 2025: PM10 8 · NO₂ 0 · ozone 1.

From the Newcastle monitoring station, 5.9 km away.

Climate & Setting

from Newcastle Nobbys Signal Station AWS, 9.8 km

High rainfall — warm summers, mild winters.

Elevation
54 m
above sea level, at the suburb centre
Distance to the ocean
4.3 km
Annual rainfall
1,025 mm
91 rainy days
Summer max (Jan)
25.4°C
4 days ≥ 35°C
Winter min (Jul)
10.2°C
0 frost days ≤ 0°C

Elevation is the ground at the suburb 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

3 facilities within 5 km

EV adoption

1.0%
of light vehicles are electric
Up from 0.04% in 2021
+0.4 points this year
Top 19% in NSW

In postcode 2289, 152 of 14,646 registered light vehicles are battery-electric on 31 January 2025. A further 3.8% (550 vehicles) are hybrid or plug-in hybrid, taking the non-petrol, non-diesel share to 4.8%.

Electric share, year by year
2021
0.04%
2022
0.11%
2023
0.25%
2024
0.63%
2025
1.04%

Rooftop solar

36
systems per 100 dwellings
Averaging 6.5 kW each

In postcode 2289, 2,789 rooftop-solar systems totalling 18.2 MW have been installed since 2001, against 7,793 dwellings recorded in the 2021 Census. 246 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
162
2020
286
2021
237
2022
226
2023
266
2024
231
2025
184
2026
164

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

I'm looking for
Deposit
$
%
Monthly repayment
$5,476
Loan amount
$840,000
Total interest over 30 years
$1,131,422

3 mortgage brokers are registered in this suburb, 10 across postcode 2289.

Deposit
$210,000
Stamp duty
$41,437
Cash needed at settlement
$251,437

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 Newcastle

Currently held by Sharon Claydon Australian Labor Party

Year Winner 2PP ALP 2PP LNP Swing
2025 Sharon Claydon 70.8% 29.2% +2.9
2022 Sharon Claydon 68.0% 32.0% -4.2
2019 Sharon Claydon 63.8% 36.2% +0.0

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

State Electorate

Charlestown District

Currently held by Jodie Harrison Labor

Next state election: 13 March 2027.

Year Winner Won with
2023 Jodie Harrison ALP 71.1%
2019 Jodie Harrison ALP 62.4%
2015 Jodie Harrison ALP 62.9%

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

Looking at a specific address in Kotara?

Every figure above is a suburb 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.

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Common questions about Kotara

Is Kotara a safe place to live?

Recorded crime in Kotara is high (94/100, ranked against other NSW suburbs on offences per resident). Offences against shops, venues and visitors are divided by the people who live here, so suburbs with large daytime or visitor populations rank higher than living there may feel.

What natural hazards affect Kotara?

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

Is Kotara a good place to live?

Kotara has a SuburbScan Liveability grade of C (45/100), ranked against other NSW suburbs on school quality (25%), safety (25%), SEIFA socio-economic advantage (25%), walkability (15%) and CBD access (10%). Whether it suits you depends on what you weigh — each of those is on this page.

What is the population of Kotara?

Kotara, NSW had a population of 3,980 at the 2021 Australian Bureau of Statistics census.

What is the postcode for Kotara, NSW?

The postcode for Kotara, NSW is 2289.

How far is Kotara from Sydney?

Kotara is 157 km from Sydney CBD by road, about 120 minutes by car in normal traffic. Distance is the most-direct driving route, not straight-line.

What is the median household income in Kotara?

At the 2021 ABS Census, median household income in Kotara was $108,004 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 Kotara?

The median advertised rent in Kotara is $760 a week for houses (14 listings) and $800 a week for units (3 listings), from rental listings over the last six months.

What is the median age in Kotara?

The median age of residents in Kotara was 39 at the 2021 ABS Census.

How are the schools in Kotara?

There are 3 schools inside the Kotara boundary: 2 at similar schools on NAPLAN, compared with same-state, same-type schools of similar socio-educational advantage (ICSEA).

Is Kotara walkable?

Kotara scores 66/100 on the SuburbScan Walkability Score, making it somewhat walkable. The score is a weighted average of public transport, schools, parks, supermarkets, GPs, pharmacies, childcare, and hospitals within walking distance.

What is the air quality in Kotara?

The nearest government air-quality monitoring station to Kotara (Newcastle) recorded a 2025 annual mean PM2.5 of 6.5 µg/m³ and PM10 of 21.7 µg/m³. That puts Kotara below the Australian NEPM annual standard of 8 µg/m³ but above the stricter WHO guideline of 5 µg/m³.

What is the weather like in Kotara?

At the nearest Bureau of Meteorology station to Kotara, Newcastle Nobbys Signal Station AWS (9.8 km away), summer days average 25.4°C, winter nights 10.2°C, 1,025 mm of rain a year over 91 rainy days, and 4 days a year above 35°C over 2006-2026.

Is the First Home Owner Grant available in Kotara?

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 Kotara belong to?

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

How much are council rates in Kotara?

The average residential rates bill through Newcastle is $1,783 a year (2024). Every suburb in this LGA shares the same schedule — individual bills vary with land value.

How much is being built near Kotara?

Across Newcastle, 912 new residential dwellings were approved in the year to August 2026 (source: ABS Building Approvals). That's up 77.4% 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 Kotara in?

Kotara sits within the federal Division of Newcastle, currently held by Sharon Claydon (Australian Labor Party).

Search another suburb or address

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

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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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