Suburb Deep Dives · 3 November 2026 · 6 min read
Kirwan (QLD 4810) in Focus 2026: Is It a Good Investment? R-Score 86/100, 4.6% Yield & Best Streets
Data analysis by the Ripehouse research desk · Reviewed by Anna Cooper, Co-Founder & COO, former Managing Editor of Australian Property Investor Magazine
Is Kirwan (QLD 4810) a good suburb to invest in 2026? Our October 2026 quantitative audit scores Kirwan at 86/100 (Ranked #2,144 of 15,286 suburbs), with a $682,500 median house price (+8.3% 12m), $600/wk rent (4.6% yield), and 91 top-tier streets scoring 75–100/100.
Market Classification: Established Family & Commuter Corridor · R-Score: 86/100 (National Rank #2,144 of 15,286) · Street Average: 40/100 across 352 streets.
Kirwan (QLD 4810) represents a bread-and-butter Australian family housing market($682,500 median price, $600/wk rent, 4.6% gross yield) supported by +4.3% 3-year council population movement. Here, investment returns are determined almost entirely by micro-location: separating quiet, >65% owner-occupied pockets from main-road or high-public-housing blocks.
“I’d treat the 1.1% vacancy rate as evidence of rental demand, not a solution to the cash flow problem. At an 80% LVR, the median house is still running at negative $201 a week before tax, so buyers need to be selective on price and street rather than assume the rent covers the holding cost.”
Below is our full October 2026 quantitative and street-level breakdown for Kirwan (QLD 4810), combining 36 months of settled price and rental history from our Aurora research warehouse, council-level supply and employment data for Townsville (QLD), and block-by-block ABS 2021 Census SA1 tenure and yield rankings across 9,739 residential addresses.
1. Kirwan (QLD) 3-Year Market Trajectory & 27-Indicator R-Score (October 2026)
Over the past 12 months, Kirwan’s median house price moved +8.3% (from $630,000 to $682,500), bringing its 3-year cumulative price movement to +91.7% (from $356,000 three years ago). On the rental side, median weekly asking rents moved +9.1% over the past year to $600/wk (+40.4% over 36 months), equating to a 4.6% gross rental yield. Compared with 12 months ago—when Kirwan carried an R-Score of 95/100—its current composite R-Score of 86/100 represents a -9-point shift in underlying market pressure.
| Indicator / R-Score Pillar | Kirwan (QLD) Current | 12-Month / 36-Month Context |
|---|---|---|
| Composite Suburb R-Score | 86 / 100 | Ranked #2,144 of 15,286 suburbs (was 95/100 12m ago) |
| Median House Price | $682,500 | 12m change: +8.3% · 36m change: +91.7% |
| Median Weekly Rent & Gross Yield | $600/wk (4.6%) | 12m rent change: +9.1% · 36m rent change: +40.4% |
| Rental Vacancy & Days on Market | 1.1% vacancy | Median selling time: 98 days on market (1.5% vacancy is the tight-market line) |
| Pillar 1: Buyer Demand | 28 / 100 | Measures days-on-market compression, vendor discounting & sales velocity |
| Pillar 2: Supply & Ownership | 30 / 100 | Measures stock on market, building approvals vs stock & owner-occupier share |
| Pillar 3: Price Momentum | 56 / 100 | Measures short/medium-term price velocity vs Townsville & QLD |
| Pillar 4: Yield Pressure | 66 / 100 | Measures gross rental yield, rent trajectory & vacancy compression |
2. The “Two-Speed Suburb” Test: Best & Worst Streets in Kirwan (QLD)
Why do two 4-bedroom houses in Kirwan achieve completely different bank valuations and tenant quality? Because suburb medians blend every pocket together. When we map all 9,739 addresses across 352 streets in Kirwan through G-NAF to their ABS 2021 Census SA1 blocks, the suburb splits into three distinct tiers:
- Strong Street Profile (Score 75–100): 91 streets (29% of scored streets) pass both ABS Census tenure tests (owner-occupiers >65% and public housing ≤5%) plus at least one—or both—of the Kirwan rent and yield benchmarks.
- Mid / Mixed Street Profile (Score 50–74): 23 streets pass the core owner-occupier and public-housing thresholds but sit below the suburb median on weekly rent or yield.
- Weaker / Caution Street Profile (Score 0–25): 197 streets fail one or both census tenure thresholds—meaning either owner-occupation sits at or below 65% or state/community public housing exceeds 5% on those specific SA1 blocks.
Top 5 Highest-Scoring Streets in Kirwan (QLD)
These streets sit in SA1 census blocks with high homeowner pride of ownership, minimal social housing concentration, and strong block-level rents (inspect all 352 streets in Kirwan):
| Top Street in Kirwan | Street Score | Addresses | Owner-Occupiers | Public Housing | SA1 Rent & Yield |
|---|---|---|---|---|---|
| #1 Riviera Circuit | 100/100 | 34 | 71% | 0% | $775/wk (7.3%) |
| #2 Saint Andrews Close | 100/100 | 14 | 71% | 0% | $775/wk (7.3%) |
| #3 Fairway Close | 100/100 | 10 | 71% | 0% | $775/wk (7.3%) |
| #4 Nineteenth Avenue | 89/100 | 96 | 75% | 0% | $677/wk (6.9%) |
| #5 Albatross Court | 75/100 | 9 | 93% | 0% | $605/wk (3.3%) |
Streets Where Block-Level Tenure Trails the Kirwan Average
By contrast, the streets below run through SA1 census blocks that fail one or more of our tenure or rental tests. A lower Street Score is not a judgement of any individual house, but it highlights where higher renter turnover or public housing concentration exists within Kirwan:
| Caution Street Sample | Street Score | Addresses | Owner-Occupiers | Public Housing | SA1 Median Rent |
|---|---|---|---|---|---|
| Easterbrook Crescent | 0/100 | 40 | 33% | 56.4% | $480/wk |
| Kittyhawk Crescent | 0/100 | 35 | 36% | 41.7% | $465/wk |
| Ridley Road | 0/100 | 29 | 41% | 38.7% | $486/wk |
3. Economic & Supply Drivers in Townsville Council (Queensland)
Kirwan sits within the Townsville Local Government Area, which has a residential population of approximately 206,260 (+4.3% population movement over the past 3 years) and 80,152 total dwellings. Three council-level fundamentals shape Kirwan’s medium-term outlook:
- Local Employment Diversity (ABS Census): The largest employment sectors across Townsville are Health Care and Social Assistance (15%), Public Administration and Safety (14%), Education and Training (10%), Retail Trade (10%). Multi-sector employment reduces reliance on any single employer or commodity cycle.
- New Building Approvals vs. Existing Stock: Over the latest 12-month financial year, Townsville approved 1.5% new dwelling stock (~1,148.142 dwellings). Because annual additions sit under 1.8% of stock, incoming supply is constrained relative to tenant and buyer demand.
- Tracked Infrastructure Pipeline: Townsville currently has $9.1 billion in tracked major infrastructure projects (placing it in the 84th percentile of Australian councils).
4. Worked Cashflow, Deposit & 80% LVR Stress-Test for Kirwan (October 2026)
What does it actually cost to acquire and hold a typical house in Kirwan at today’s median price of $682,500 and median rent of $600/wk? Below is the baseline 80% Loan-to-Value Ratio (LVR) model we use to stress-test serviceability before shortlisting a property:
| Cashflow & Capital Item | Kirwan Worked Figure | Assumptions & Notes |
|---|---|---|
| Purchase Price (Suburb Median) | $682,500 | Settled house median as of October 2026 |
| 20% Deposit + Est. Stamp Duty & Costs | $169,260 | $136,500 deposit (80% LVR) + ~$32,760 stamp duty, legal & inspection allowance (can be funded via usable home equity) |
| 80% LVR Loan Amount | $546,000 | Standard no-LMI investor loan threshold |
| Gross Annual Rental Income | $31,200/yr ($600/wk) | 4.6% gross rental yield before vacancies and expenses |
| Est. Annual Interest + Operating Costs | $41,633/yr | Assumes 6.25% interest-only ($34,125/yr) + ~1.1% for council rates, insurance & property management ($7,508/yr) |
| Pre-Tax Weekly Cashflow Position | -$201/wk top-up | Before tax deductions / depreciation (confirm post-tax position with your accountant) |
5. Who Should Buy in Kirwan—And 3 Rules Before You Make an Offer
Solid 86/100 R-Score Backed by Townsville Fundamentals. Based on our October 2026 data, Kirwan is best suited to equity-backed homeowners and portfolio builders seeking a balanced entry price ($682,500) and 4.6% rental yield in QLD.
- Never Buy Blind on the Suburb Median: In Kirwan, 197 streets score below 50/100 on our census tenure and yield tests. Always run the exact street through the Kirwan Street Score Hub and target the 91 streets scoring 75–100/100.
- Check Lot-Level Overlays (Flood, Bushfire, Slope & Easements): Even on a 100/100 streetlike Riviera Circuit, individual lots can carry overland flow paths, steep gradients, or sewer easements that restrict granny-flat additions or spike insurance premiums.
- Price Against Street-Matched Settled Comparables: Do not let a selling agent justify an asking price on a 25/100 street using comparable sales from a 100/100 street. Compare settled sales within the same SA1 Street Score band.
If there's a specific street you're weighing up right now, check its Street Score first — it's free, takes ten seconds, and tells you whether that street is pulling the suburb average up or riding on it.
Market data & R-Scores for locations in this article
Drill Down Into the Markets Mentioned Above
Inspect live monthly R-Scores, median prices, rental yields, and street-by-street scores for the cities and council areas referenced in this article:
Frequently asked questions
Is Kirwan (QLD 4810) a good suburb for property investment in 2026?
As of October 2026, Kirwan (QLD 4810) scores 86/100 on the 27-indicator Ripehouse R-Score (ranked #2,144 of 15,286 Australian suburbs). It is classified as a Established Family & Commuter Corridor with a median house price of $682,500, median rent of $600/wk (4.6% gross yield), and vacancy rate of 1.1%.
How have house prices and rents performed in Kirwan over the past 1 to 3 years?
Over the past 12 months, Kirwan’s median house price moved +8.3% to $682,500, and +91.7% over the past 36 months. Median weekly asking rents moved +9.1% over the past year to $600/wk (4.6% gross yield).
What are the highest and lowest scoring streets in Kirwan, QLD?
Across 352 streets (9,739 addresses) in Kirwan, 91 streets score 75 to 100 on the Ripehouse Street Score, led by Riviera Circuit (100/100, 71% owner-occupied), Saint Andrews Close (100/100, 71% owner-occupied), Fairway Close (100/100, 71% owner-occupied). Meanwhile, 197 streets score below 50 due to lower owner-occupation or public housing concentration above 5%.
How much deposit and weekly cashflow is needed to buy a median house in Kirwan?
At Kirwan’s median house price of $682,500, an 80% LVR purchase ($546,000 loan) requires approximately $169,260 in cash or usable home equity ($136,500 deposit plus around $32,760 for stamp duty and acquisition costs). At $600/wk rent and a 6.25% interest-only benchmark, estimated pre-tax cashflow is -$201/wk before tax deductions.
What is the housing supply pipeline and economic profile of Townsville Council?
Kirwan is located in the Townsville (QLD) Local Government Area (population around 206,260, +4.3% 3yr growth). Annual building approvals sit at 1.5% of existing dwelling stock. Tracked major infrastructure spend is $9.1B. Top employment sectors are Health Care and Social Assistance (15%), Public Administration and Safety (14%), Education and Training (10%).
General information only. It does not take your objectives, financial situation or needs into account, and nothing here is legal, financial, taxation or investment advice specific to your circumstances.