City Of Mount Gambier
South Australia
Good to Know
Mount Gambier SA is a stable-yielding house market in the Mount Gambier SA area, currently positioned as a balanced income-and-growth opportunity. This regional city in the south-east of South Australia is home to roughly 26,878 adults across 14,784 dwellings, with a current vacancy rate of 1.12%.
According to HtAG Analytics, Mount Gambier SA is exhibiting tight supply with steady demand. Stock on Market sits at 0.62% and Inventory at 1.04 months — well below the ~3-month balanced-market threshold — driving +11.3% YoY price growth and +4.8% YoY rent growth.
What the market data is signalling
Mount Gambier SA is seeing stronger capital appreciation than rental pressure: prices are up 11.3% over 12 months while rents are up 4.8%. The rental yield of 4.22% sits above the typical 3% benchmark, supporting investor cashflow, while the low Inventory of 1.04 months points to constrained supply and continued upward price pressure. Note the middling 50.0% clearance rate and 0.62% Stock on Market — mixed sale-throughs suggest some listings face resistance even as demand remains present. See the Markets in the Moment (MiM™) heatmap for a visual of these momentum signals.
Who lives in Mount Gambier SA — and why it matters for investors
Mount Gambier SA records an IRSAD of 909, below the suggested crossover threshold of 927, which can correlate with more price volatility and lower discretionary household budgets compared with higher-IRSAD areas. The renter/owner mix is neutral at 33.0%, and the housing stock remains house-dominant with a units/houses ratio of 14.0%. Together these demographics shape demand stability, while an affordability index of 35 years (stretched) may limit owner-occupier entry at the margin. Read more on the socioeconomic drivers in the IRSAD Crossover study.
Why Mount Gambier SA is a screening layer, not a final answer
Council-level and LGA averages hide local pockets of strength and weakness; Mount Gambier SA’s own suburb-level metrics — such as a typical house price of $569,270, a gross yield of 4.22%, Stock on Market at 0.62%, Inventory of 1.04 months and median days on market of 36 days — should drive your investment decision, not a crude council average. These figures indicate tight supply with reasonable cashflow potential, but every street and micro-market can differ. Learn why scale matters in our LGA vs Suburb research.
What's behind the RCS™ score of 88
The HtAG RCS™ bundles independent dimensions — risk minimisation, capital-growth potential and cashflow resilience — into one composite score so you can quickly screen markets by suitability for different strategies. An overall 88 reflects a favourable blend of growth momentum and income potential, but the sub-score breakdown matters for matching to buy-and-hold versus value-add tactics. See how the RCS™ is built. If you want to explore the underlying metrics interactively, open Mount Gambier SA in HtAG Copilot.
Forward signals to watch
The vacancy rate — currently 1.12%: sustained readings around this neutral-to-tight level over 12–24 months typically maintain rental growth momentum but can limit tenant choice and push rents modestly higher.
The building approvals ratio — currently 1.17%: this neutral reading implies moderate new supply that is unlikely to rapidly flood the market, but any sustained rise above the neutral band would soften tightness.
The Adelaide cycle phase: a city-wide shift in Adelaide’s cycle (momentum, overheating or downturn) would feasibly influence regional buyer sentiment and finance availability, which in turn can amplify or blunt Mount Gambier SA’s local momentum.
Does this area meet your investment goals?
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RCS Breakdown
City Of Mount Gambier's RCS™ headline is an overall signal — but it doesn't tell you why. The three sub-scores below reveal whether that score is earned through risk minimisation, capital growth, or cashflow — and which portfolio brief it fits.
starter
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Critical to know
Market Trends
City Of Mount Gambier's headline values — $569K to buy and $461PW to rent, a 4.21% gross yield. Over the past decade, prices have moved 129.12% and rents 73.03% — the Yield series shows whether that gap is widening (price outpacing rent, yield compressing) or closing.
$569K is today. The 10-year trajectory reveals whether that's the top of a run, the start of a new leg, or somewhere mid-cycle. Sign up to unlock the entire trend line.
$461PW today, with rent growth at (+4.76% YoY) compared to price growth (+11.3%). That spread determines yield is expanding or compressing across the next cycle. Sign up to unlock the entire trend line.
Where is City Of Mount Gambier in its cycle - and is the 4.21% yield holding?
Cycle phase tells you whether you're buying near the bottom (room to run) or top (compression ahead). Yield trajectory tells you whether cashflow is durable or being eroded — the single most important question for a long-hold thesis.
Cycle Phase
Cycle Position
Yield Trajectory
Rent vs Price Spread
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Area Risks
Property data alone won't flag the structural risks that can erode a long-hold position. Bushfire overlays, flood-zone exposure, and economic concentration sit outside the price feed but determine whether your capital is insurable, defensible, and structurally protected. Unlock to see.
Are there hidden structural risks shaping City Of Mount Gambier's long-hold story?
Beyond the headline price, City Of Mount Gambier carries risk signals a median can't show — hazard exposure from bushfire and flood overlays, and how narrowly local employment leans on a handful of sectors (the concentration the EDI score quantifies). Together these separate insurable, defensible long-holds from those carrying tail-risk that never surfaces in the headline number.
MADI Risk
EDI Risk
Bushfire
Flood
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Critical to know
Supply & Demand
City Of Mount Gambier's headline numbers show where the market is today. The two cards below answer where it's heading. Direction is what separates a buy from a wait.
Is housing supply tightening or building up?
Stock on Market is one number — the trend is what matters. SoM, inventory, building approvals and hold period together reveal whether the market is starving for stock (price pressure up) or quietly building a pipeline (pressure down).
Stock on Market
Inventory
Building Approvals
Hold Period
Is buyer and renter demand heating up or cooling off?
Vacancy is one signal — the real question is whether demand is still building or quietly peaking. Days on market, vacancy, search index and clearance rate are the four pulse-points — when they diverge, they signal a turning point.
Days on Market
Vacancy Rate
Search Index
Clearance Rate
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Critical to know
Fundamentals
City Of Mount Gambier can look solid on the surface — but the three layers below separate markets that genuinely hold value from ones that only look like they do.
Is City Of Mount Gambier genuinely stable - or just expensive?
IRSAD hints at affluence, but socio-economic strength alone doesn't guarantee resilience. Combined with the renter-to-owner balance and unit-to-house ratio, you get the three signals that separate a tightly-held submarket from one carrying hidden volatility.
IRSAD
Renter to Owner
Units to Houses
Where do City Of Mount Gambier prices go over the next 12 months?
Today's headline price is just a snapshot. Projected ROI and the volatility index tell you whether to commit capital now, wait for a softer entry, or rotate into a steadie submarket.
Projected Annual ROI
Volatility Index
Can you actually buy into City Of Mount Gambier - and exit cleanly?
Tightly-held areas reward long-hold investors but punish anyone who needs liquidity. Annual sales and rental volume reveal whether your capital can reposition — or sits structurally locked in.
Annual Sales Volume
Annual Rental Volume
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Important to know
Education & Infrastructure
City Of Mount Gambier looks tightly-held and stable on the surface — but the three layers below separate areas that genuinely hold value from ones that only look like they do.
Does City Of Mount Gambier's school catchment + infrastructure pipeline justify the price?
School ranks anchor family demand and tenant quality. The active infrastructure pipeline shifts a suburb's price ceiling over the next 5–10 years. Together they tell you whether City Of Mount Gambier has structural support for the next leg of capital growth.
School Rank
Hospitals & Employment
Infrastructure Spend
Transport Projects
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Full HtAG Intelligence
City Of Mount Gambier shows potential. The platform tells you whether it's the best fit for your portfolio.
Price and yield are only the surface. HtAG reads the forces underneath — supply tightening or loosening, demand heating or cooling, and the risks that move slowly but decide long-term growth. Together they show whether City Of Mount Gambier has the structural support for its next leg — or whether the numbers are running ahead of the fundamentals.