South Lismore (NSW 2480) in Focus 2026: $415,000 Median, 7.2% Yield & 100/100 R-Score

Market Classification: High-Yield & Momentum Sweet Spot · R-Score: 100/100 (National Rank #56 of 15,286) · Street Average: 49/100 across 44 streets.

In a 6%+ interest rate environment, most Australian suburbs force investors to choose between capital growth momentum and holding cashflow. South Lismore is one of the rare markets in NSW currently delivering both: a 100/100 R-Score paired with a 7.2% gross rental yield at a $415,000 median price. That yield profile preserves bank borrowing serviceability so investors can sequence their next acquisition without a punishing cashflow deficit.

Below is our full September 2026 quantitative and street-level breakdown for South Lismore (NSW 2480), combining 36 months of settled price and rental history from our Aurora research warehouse, council-level supply and employment data for Lismore (NSW), and block-by-block ABS 2021 Census SA1 tenure and yield rankings across 1,803 residential addresses.

1. South Lismore (NSW) 3-Year Market Trajectory & 27-Indicator R-Score (September 2026)

Over the past 12 months, South Lismore’s median house price moved +38.3% (from $300,000 to $415,000), bringing its 3-year cumulative price movement to +63.4% (from $254,000 three years ago). On the rental side, median weekly asking rents moved +4.5% over the past year to $575/wk (+12.7% over 36 months), equating to a 7.2% gross rental yield. Compared with 12 months ago—when South Lismore carried an R-Score of 99/100—its current composite R-Score of 100/100 represents a +1-point shift in underlying market pressure.

Indicator / R-Score Pillar	South Lismore (NSW) Current	12-Month / 36-Month Context
Composite Suburb R-Score	100 / 100	Ranked #56 of 15,286 suburbs (was 99/100 12m ago)
Median House Price	$415,000	12m change: +38.3% · 36m change: +63.4%
Median Weekly Rent & Gross Yield	$575/wk (7.2%)	12m rent change: +4.5% · 36m rent change: +12.7%
Rental Vacancy & Days on Market	1.4% vacancy	Median selling time: 23 days on market (1.5% vacancy is the tight-market line)
Pillar 1: Buyer Demand	49 / 100	Measures days-on-market compression, vendor discounting & sales velocity
Pillar 2: Supply & Ownership	53 / 100	Measures stock on market, building approvals vs stock & owner-occupier share
Pillar 3: Price Momentum	68 / 100	Measures short/medium-term price velocity vs Lismore & NSW
Pillar 4: Yield Pressure	59 / 100	Measures gross rental yield, rent trajectory & vacancy compression

2. The “Two-Speed Suburb” Test: Best & Worst Streets in South Lismore (NSW)

Why do two 4-bedroom houses in South Lismore achieve completely different bank valuations and tenant quality? Because suburb medians blend every pocket together. When we map all 1,803 addresses across 44 streets in South Lismore through G-NAF to their ABS 2021 Census SA1 blocks, the suburb splits into three distinct tiers:

• Strong Street Profile (Score 75–100): 11 streets (31% of scored streets) pass both ABS Census tenure tests (owner-occupiers >65% and public housing ≤5%) plus at least one—or both—of the South Lismore rent and yield benchmarks.
• Mid / Mixed Street Profile (Score 50–74): 2 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): 23 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 South Lismore (NSW)

These streets sit in SA1 census blocks with high homeowner pride of ownership, minimal social housing concentration, and strong block-level rents (inspect all 44 streets in South Lismore):

Top Street in South Lismore	Street Score	Addresses	Owner-Occupiers	Public Housing	SA1 Rent & Yield
#1 Centre Street	100/100	29	74%	0%	$480/wk (6.9%)
#2 Charles Street	100/100	24	74%	0%	$480/wk (6.9%)
#3 Webster Street	100/100	19	74%	0%	$480/wk (6.9%)
#4 Crown Lane	100/100	8	74%	0%	$480/wk (6.9%)
#5 Meadow Drive	100/100	51	68%	0%	$420/wk (5.2%)

Streets Where Block-Level Tenure Trails the South Lismore 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 South Lismore:

Caution Street Sample	Street Score	Addresses	Owner-Occupiers	Public Housing	SA1 Median Rent
Union Street	25/100	200	59%	0%	$476/wk
Elliott Road	25/100	100	60%	0%	$518/wk
Snow Street	25/100	90	60%	0%	$520/wk

3. Economic & Supply Drivers in Lismore Council (New South Wales)

South Lismore sits within the Lismore Local Government Area, which has a residential population of approximately 43,642 (-1.4% population movement over the past 3 years) and 19,100 total dwellings. Three council-level fundamentals shape South Lismore’s medium-term outlook:

• Local Employment Diversity (ABS Census): The largest employment sectors across Lismore are Health Care and Social Assistance (23%), Education and Training (12%), Retail Trade (12%), Accommodation and Food Services (6%). 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, Lismore approved 0.8% new dwelling stock (~139.16 dwellings). Because annual additions sit under 1.8% of stock, incoming supply is constrained relative to tenant and buyer demand.
• State Comparison: Compare South Lismore against the Top 25 Highest R-Score Suburbs in NSW.

4. Worked Cashflow, Deposit & 80% LVR Stress-Test for South Lismore (September 2026)

What does it actually cost to acquire and hold a typical house in South Lismore at today’s median price of $415,000 and median rent of $575/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	South Lismore Worked Figure	Assumptions & Notes
Purchase Price (Suburb Median)	$415,000	Settled house median as of September 2026
20% Deposit + Est. Stamp Duty & Costs	$102,920	$83,000 deposit (80% LVR) + ~$19,920 stamp duty, legal & inspection allowance (can be funded via usable home equity)
80% LVR Loan Amount	$332,000	Standard no-LMI investor loan threshold
Gross Annual Rental Income	$29,900/yr ($575/wk)	7.2% gross rental yield before vacancies and expenses
Est. Annual Interest + Operating Costs	$25,315/yr	Assumes 6.25% interest-only ($20,750/yr) + ~1.1% for council rates, insurance & property management ($4,565/yr)
Pre-Tax Weekly Cashflow Position	+$88/wk surplus	Before tax deductions / depreciation (confirm post-tax position with your accountant)

5. Who Should Buy in South Lismore—And 3 Rules Before You Make an Offer

Rare Convergence of 5%+ Gross Rental Yield and Top-Quartile Demand. Based on our September 2026 data, South Lismore is best suited to first-time property investors, homeowners unlocking $150k–$250k in equity, and second/third property buyers who need strong rental yield (7.2%) to preserve bank borrowing capacity while capturing capital growth.

1. Never Buy Blind on the Suburb Median: In South Lismore, 23 streets score below 50/100 on our census tenure and yield tests. Always run the exact street through the South Lismore Street Score Hub and target the 11 streets scoring 75–100/100.
2. Check Lot-Level Overlays (Flood, Bushfire, Slope & Easements): Even on a 100/100 streetlike Centre Street, individual lots can carry overland flow paths, steep gradients, or sewer easements that restrict granny-flat additions or spike insurance premiums.
3. 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.