Central West · 200 km to CBD
University-and-government regional centre with a manufacturing base. Steady demand, student-led rental depth.
Based on a 20% deposit, an 30-year loan and the median price. Repayments use the 5.5% advertised owner-occupier rate; the income guide is stress-tested at the 8.5% assessment rate (rates dated 2026-06-01).
| Scenario | House | Unit |
|---|---|---|
| Median price | $690,000 | $460,000 |
| 20% deposit | $138,000 | $92,000 |
| Stamp duty | $25,579 | $15,229 |
| Upfront cash needed | $166,079 | $109,729 |
| Monthly repayment | $3,131 | $2,087 |
| Household income needed | $133,638 | $108,694 |
First-home buyers may pay no NSW stamp duty below $800k (sliding concession to $1m): upfront cash could be as low as $140,500 (house) or $94,500 (unit). Check what you could claim in the first home buyer hub.
See exactly how much you can borrow with the borrowing power calculator, model your duty in the stamp duty calculator, then build a stress-tested plan on the planner. Compare Bathurst with other suburbs in explore.
Market figures dated 2026-06-01. See our methodology & sources for how each number is derived.