Buying your first home in Carlingford, NSW 2118 — 2026 affordability
What a first home actually costs in Carlingford: the current median for each dwelling type (houses and units shown separately — never blended), the stamp duty you'd pay at standard and first-home-buyer rates, and the deposit you'd need. Finance figures are computed from New South Wales transfer-duty rates; medians come from New South Wales property-sales data with sale counts shown so you can judge reliability.
Carlingford median house — $2,200,000 (453 sales, 12 months to February 2026)
| Median house price | $2,200,000 |
| Stamp duty — standard rate | $103,012 |
| Stamp duty — first home buyer | $103,012 |
| 5% deposit (LMI likely without a guarantee) | $110,000 |
| 10% deposit (LMI likely without a guarantee) | $220,000 |
| 20% deposit (no LMI) | $440,000 |
At $2,200,000, this house is above NSW's FHB stamp-duty concession cap. Whether the federal 5% Deposit Scheme or First Home Super Saver Scheme apply depends on the current price caps + your circumstances — check those guides and the borrowing-power calculator.
Carlingford median unit — $730,000 (712 sales, 12 months to February 2026)
| Median unit price | $730,000 |
| Stamp duty — standard rate | $27,262 |
| Stamp duty — first home buyer | $0 — exempt |
| 5% deposit (LMI likely without a guarantee) | $36,500 |
| 10% deposit (LMI likely without a guarantee) | $73,000 |
| 20% deposit (no LMI) | $146,000 |
At $730,000, this unit is under NSW's full FHB stamp-duty exemption threshold ($800,000). Whether the federal 5% Deposit Scheme or First Home Super Saver Scheme apply depends on the current price caps + your circumstances — check those guides and the borrowing-power calculator.
How to read this
Houses and units are reported separately on purpose — blending them produces a "median" that describes no real property. In a suburb like Carlingford, the unit median is usually the figure first home buyers care about, because it's where most FHB purchases happen and where the stamp-duty concessions actually bite. The deposit rows show 5% / 10% / 20% — below 20% you'll usually pay Lenders Mortgage Insurance unless you use a government guarantee.
Median data: Computed by NestPath from NSW Valuer-General Property Sales Information — the median of residence sales in Carlingford over the 12 months to February 2026, drawn from ~2.2 million government sale records (453 house / 712 unit sales). House and unit split by strata title; first-party and reproducible. Source: New South Wales Valuer-General. Stamp duty + FHB concession computed at build time from New South Wales transfer-duty formulas (same source as our stamp-duty calculator). Last sourced . Not financial advice — eligibility is determined by the relevant state revenue office + lender.