Is this based on current property prices?

Yes. Suburb medians come from each state's official quarterly sale-price publications (Valuer-General Victoria, SA Office of the Valuer-General, NSW DCJ Rent and Sales Report), currently Oct–Dec 2025. This replaced an earlier version that used Census mortgage repayments as a proxy — those reflect what long-time owners pay, not what buying in costs today.

Why doesn't my suburb have a price?

Queensland, WA, Tasmania, NT and the ACT don't publish free, commercially usable suburb-level sale prices; those suburbs still show Census and SEIFA data, clearly marked as having no current price source yet.

How is my budget estimated?

Take-home pay and borrowing power are estimated with the same engines as this site's Borrowing Power Calculator, using its standard assumptions (6.5% rate + 3% assessment buffer, 30-year term), plus the deposit you enter. Your actual capacity is set by your lender.

What does the Family Fit Score combine?

Budget fit, schools, safety, health services, growth outlook and the official ABS SEIFA decile — weighted by whichever priority profile or custom sliders you choose, with affordability always guaranteed at least ~35% of the score. Suburbs are always grouped by affordability tier first, and any layer without data for a state is shown honestly, never guessed.

Family Fit Score · government data, consolidated

Which suburbs can you actually afford — and actually want to live in?

Enter your income and deposit to rank thousands of Australian suburbs against the latest median sale price (Oct–Dec 2025), blended with government data on schools, safety, health services and growth — signals no single official source publishes together.

15,334 suburbs13+ government sourcesSchoolsSafetyHealthGrowth

Your Situation

Your income and deposit set your purchase budget — suburbs are ranked against current median sale prices

Annual Income ($)

Or pick an occupation (uses its median salary)

Deposit ($)

Cash you'd put toward the purchase. Budget = estimated borrowing power + deposit.

State

What matters most to you?

Choose a priority profile, or fine-tune the sliders below

Your Rankings Will Appear Here

Enter your income and deposit to see which suburbs fit your purchase budget.

Check a Specific Suburb

Search any of the 15,000+ suburbs in Australia to see how it fits your budget.

Browse suburb profiles

Every suburb below has its own profile — median sale price Oct–Dec 2025, nearest schools, recorded-offence safety percentile, health services, growth outlook and its official ABS SEIFA decile. These are the 3 states publishing free suburb-level sale prices, with 1,138 profiles between them. Use the finder above to rank them against your own budget, or the Family Suburb Index for the full rankings.

New South Wales (437 profiles)

Blacktown$1,220,000
Port Macquarie$915,000
Dubbo$660,000
Orange$750,000
Castle Hill$2,650,000
Auburn$1,600,000
Baulkham Hills$1,980,000
Bankstown$1,600,000
Merrylands$1,425,000
Ryde$2,765,000
Hurstville$2,191,000
Liverpool$1,323,000

Victoria (527 profiles)

Point Cook$842,000
Craigieburn$730,000
Tarneit$675,000
Pakenham$725,000
Reservoir$970,000
Berwick$907,300
Werribee$680,000
Glen Waverley$1,800,000
Sunbury$740,000
St Albans$730,000
Frankston$880,000
Hoppers Crossing$700,000

South Australia (174 profiles)

Morphett Vale$793,000
Parafield Gardens$845,000
Paralowie$765,000
Prospect$1,462,500
Mawson Lakes$852,000
Hallett Cove$1,020,000
Happy Valley$863,000
Woodcroft$905,000
Aberfoyle Park$880,000
Craigmore$727,000
Seaton$1,100,000
Salisbury North$703,000

How to Use This Calculator

1Enter your annual income (or pick an occupation to use its median salary) and your deposit
2Pick a priority profile — Balanced, Young family, Commuter or Value hunter — or fine-tune the sliders
3Suburbs are ranked by how their current median sale price fits your budget, blended with schools, safety, health, growth and community signals
4Search any suburb by name to check it directly — including ones outside the top rankings

What Is the Family Fit Score?

Most suburb tools show prices or livability in isolation. This one estimates your purchase budget from your actual income and deposit (reusing the same engine as the Borrowing Power Calculator), then compares it against each suburb's current median sale price — published quarterly by state valuers-general and the NSW Department of Communities and Justice.

That budget fit is blended with five government-data signals — nearest government schools, recorded-offence safety percentile, nearest GP and hospital, population and dwelling-approval growth and the official ABS SEIFA decile — assembled from more than a dozen state and federal open-data sources into one Family Fit Score out of 100. Affordability always counts for at least ~35% of the score, and affordable tiers always rank first: the finder never puts an out-of-reach suburb above one you can genuinely buy into.

No source combines all of this today — each state publishes its own school, crime and growth data in a different format and geography. Consolidating them is the whole point of this tool.

What's Included

Budget fit: Your estimated max purchase price (borrowing power + deposit) versus the suburb's median sale price, Oct–Dec 2025.
Schools: Distance to the nearest government primary and secondary school, plus how many are within 5km — NSW, VIC, QLD, SA and WA.
Safety: Recorded offences over the last 12 months, ranked as a percentile within the suburb's own state (never compared across states, since each counts crime differently) — NSW, VIC, QLD and SA.
Health services: Distance to the nearest GP and hospital, from Geoscience Australia's national health facilities directory — every state.
Growth outlook: 5-year population growth and recent new-dwelling approvals from the ABS, at SA2 level — every state.
Community (SEIFA): ABS's official socio-economic advantage/disadvantage decile, 1 (most disadvantaged) to 10 (most advantaged).

How to Use This Tool

•Price data currently covers NSW (postcode-level), Victoria and metro South Australia — Queensland and WA don't publish free suburb-level sale prices yet and are on the roadmap
•Not every state has every signal — Western Australia has no bulk suburb-level safety data, for example. Missing layers show honestly as "No data", never a guess
•NSW medians are measured at postcode level (marked †) — a postcode can span several suburbs
•Medians from fewer than 10 quarterly sales (marked *) can swing wildly — treat them as indicative
•Use it alongside the Borrowing Power and State Property Costs tools for the full picture including stamp duty
•Treat the ranking as a starting point for research, not a substitute for visiting suburbs and checking current listings

Frequently Asked Questions

Official Sources

Estimates only. Not financial or tax advice. Full disclaimer for your rights and our limitations of liability.

About this calculator

This calculator exists to show you the arithmetic. It applies published Australian rates, thresholds and formulas to the numbers you enter and shows the working, so you can check it. That is all it does — it produces a number and describes what the number is. It does not recommend anything and it holds no opinion about any financial product.

What can move this result

It only knows the figures you type in. Offsets, deductions, prior-year losses, other income, your partner's position and anything you have not entered are not in the result, and any of them can move it a long way.
Rates and thresholds change, sometimes mid-year and occasionally with retrospective effect. Each calculator shows the financial year and the verification date it is working from — outside that year the result is wrong rather than approximate.
Assumptions are set to a reasonable default and every non-statutory one can be changed. Defaults are not predictions, and a small change to a growth or inflation assumption compounds into a large change in a long projection.
Where a result reaches two or more years into the future it is shown in today's dollars as well as future dollars, because a future-dollar figure overstates what the money will actually buy.
It is a generic calculator. It is not built around any particular product, it does not compare the market, and it cannot tell you whether a product is suitable for you.

This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. Before you make a financial decision, consider obtaining advice from someone who holds an Australian Financial Services Licence. We do not, and we cannot advise you.

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The Family Suburb Index

Safest affordable, best school-value and fastest-growing suburbs, ranked

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Which suburbs can you actually afford — and actually want to live in?

15,334 suburbs13+ government sourcesSchoolsSafetyHealthGrowth

Browse suburb profiles

About this calculator

What can move this result

It only knows the figures you type in. Offsets, deductions, prior-year losses, other income, your partner's position and anything you have not entered are not in the result, and any of them can move it a long way.
Rates and thresholds change, sometimes mid-year and occasionally with retrospective effect. Each calculator shows the financial year and the verification date it is working from — outside that year the result is wrong rather than approximate.
Assumptions are set to a reasonable default and every non-statutory one can be changed. Defaults are not predictions, and a small change to a growth or inflation assumption compounds into a large change in a long projection.
Where a result reaches two or more years into the future it is shown in today's dollars as well as future dollars, because a future-dollar figure overstates what the money will actually buy.
It is a generic calculator. It is not built around any particular product, it does not compare the market, and it cannot tell you whether a product is suitable for you.