Smiths Lake Median Property Value & Market Data (NSW)

Smiths Lake, New South Wales· UNKNOWN
Smiths Lake has a median property value in line with New South Wales averagesUpdated 8 May 2026

Price Score

6.0/10

Smiths Lake has a median property value in line with New South Wales averages

Key Facts

Median Price Range
$900k–$1.2M
Suburb
Smiths Lake, NSW
Key Price Driver
Proximity to CBD and school catchments
Climate Risk Impact
Increasingly affects property values — get a report
Postcode
2428
Highest high-risk exposure
17.9% of land (bushfire)

Median Property Value Analysis

Smiths Lake in New South Wales sits within the broader property market of the region. The median property value provides a benchmark for home buyers evaluating the suburb against neighbouring areas and state averages across New South Wales. Understanding where a suburb sits in the price spectrum is a critical first step in property research.

Property values in Smiths Lake are influenced by factors including location, housing stock diversity, school catchments, transport access, and increasingly climate risk exposure. The median price represents the middle point of all sales — half sold for more, half for less — and is the most commonly cited benchmark in Australian property market reporting. Domain and CoreLogic both publish suburb-level median price data that can be compared across New South Wales.

For buyers considering Smiths Lake, the relationship between property value and climate risk is becoming increasingly important. Properties in areas with lower exposure to flood, bushfire, and extreme heat may hold value better over the long term as climate risk awareness grows among Australian home buyers.

To make an informed property decision in Smiths Lake, an address-level assessment is essential. Get a complete ClimateNest report for your shortlisted property including climate risk scores, projected insurance costs, and long-term value outlook to complement your market research.

Smiths Lake (postcode 2428) is tracked in ClimateNest's suburb hazard model, which maps the share of the suburb's land exposed to each hazard at high and moderate levels. The suburb's highest high-risk exposures are bushfire (17.9% of land in high-risk zones), surface flood (8.3% of land in high-risk zones), riverine flood (3.6% of land in high-risk zones). Exposure is not uniform across Smiths Lake — individual properties can sit well above or below these averages, so an address-level check is recommended before buying, selling or insuring.

Adaptation & Mitigation Actions

Improve Drainage Infrastructure

Near-term

Upgrade drainage systems to reduce the risk of flooding during heavy rainfall events.

Est. cost: Medium

Implement Bushfire Management Plan

Immediate

Develop and implement a comprehensive bushfire management plan to reduce the risk of bushfires.

Est. cost: Medium

Develop Heatwave Response Plan

Near-term

Create a heatwave response plan to protect vulnerable populations during extreme heat events.

Est. cost: Low

Implement Coastal Protection Measures

Long-term

Implement coastal protection measures to reduce the risk of coastal erosion and inundation.

Est. cost: High

Community Awareness Programs

Near-term

Educate residents about climate risks and adaptation measures.

Est. cost: Low

Council & Emergency Services

MidCoast Council
Emergency Services

Data last updated: 8 May 2026

Explore Smiths Lake Risk Reports

Frequently Asked Questions

What is the median property value in Smiths Lake?

The median property value for Smiths Lake in New South Wales provides a market benchmark for home buyers and sellers. For the most current median price data, consult Domain, CoreLogic, or your local real estate agent who can provide suburb-specific sales evidence and recent comparable sales. Property prices in New South Wales vary significantly by location, property type, and condition — the median is a starting point, not a valuation.

How do property values in Smiths Lake compare to New South Wales averages?

Smiths Lake sits within the New South Wales property market. Statewide median prices in New South Wales range from $900k to $1.2M depending on property type and location. Consider climate risk alongside price data — ClimateNest provides property-specific risk assessments for addresses across Smiths Lake.

What factors affect property values in Smiths Lake?

Property values in Smiths Lake are driven by location, proximity to schools and transport, housing stock quality and diversity, neighbourhood amenity, market conditions, and increasingly climate risk exposure. Address-level climate risk data from ClimateNest helps buyers make informed decisions.

Does climate risk affect property values in Smiths Lake?

Yes, climate risk is an increasingly important factor in property values across Australian suburbs, including Smiths Lake. Properties with verified lower climate risk may attract premium pricing as buyer awareness grows. A ClimateNest report provides address-level climate risk data to inform your property valuation.

What share of Smiths Lake is exposed to high bushfire risk?

ClimateNest's hazard overlay maps 17.9% of Smiths Lake in high-risk zones for bushfire, with a further 68.8% in moderate-risk zones. Suburb-level exposure is not uniform — individual properties can differ from these averages, so an address-level check is recommended.

Is Smiths Lake Safe from Climate Risk?

Enter your address below for an instant climate risk assessment for Smiths Lake, New South Wales, covering flood, bushfire, sea level rise and more.

Free instant previewCSIRO-powered data

What A$69 could save you from

$7.2B
2022 insured disaster losses*
$300B+
climate risk to property by 2050*
30-120%
insurance premium increases in high-risk areas*

*Industry sources: ICA, APRA, RBA

Full report from A$69 · Australian addresses only · 8 hazard scores · Insurance trajectory · 2030 & 2050 projections