Suburb guide · Campbelltown council area
Mortgage broker for Bardia (2565) home buyers
More Bardia residents were born in Nepal than in any other overseas country: 589 people out of 5,747 at the 2021 Census, in a suburb where 52.6% were born overseas. Most homes are separate houses (82.8%), and the median house in postcode 2565 sold for $1,160,000 in January to March 2026. We don't have an office in Bardia. Sulav Adhikari works with buyers here by phone or video, from the first conversation to settlement.
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Bardia at a glance
- Residents
- 5,7471,610 occupied homesABS Census 2021
- Born overseas
- 52.6%Top birthplaces: Nepal, India, BangladeshABS Census 2021
- Born in Nepal
- 58910.2% of residentsABS Census 2021
- Speak Nepali at home
- 71912.5% of residentsABS Census 2021
- Arrived 2016 to 2021
- 10.4%600 people born overseasABS Census 2021
- Median age
- 303.5 people per householdABS Census 2021
- Median household income
- $2,417/wk$125,684 a yearABS Census 2021
- Households renting
- 34.7%58.1% mortgage, 4.8% owned outrightABS Census 2021
- Flats and apartments
- 2%82.8% separate houses, 14.9% semis and townhousesABS Census 2021
- Median rent, new leases
- $700/wkAll dwellings, postcode 2565NSW DCJ, April to June 2026
Bardia sits entirely within Campbelltown council area and covers 2.1100000000000003 km². Compared with the other suburbs we cover, its Nepal-born count is the third-lowest of 26 and its share of renters is the 23rd-highest. A median age of 30 makes it one of the younger suburbs we cover, with 3.5 people in the average household. Bardia shares postcode 2565 with Ingleburn, so the DCJ sale and rent figures cover the whole postcode, not Bardia alone. Only 7.9% of workers used a train on Census day 2021, a lockdown day when 31.2% worked from home.
What it costs to buy in Bardia
A typical unit in postcode 2565 changed hands for $740,000 in January to March 2026, while houses went for a median $1,160,000 from 64 sales. The unit median rests on only a few sales, which DCJ flags as a small sample, so treat it as a rough guide. The step up from the median unit to the median house is $420,000. Measured in local incomes ($125,684 a year at the 2021 Census), the median unit is 5.9 times that figure and the median house 9.2 times.
| Item | Median unit | Median house |
|---|---|---|
| Median sale price | $740,000 | $1,160,000 |
| 5% deposit | $37,000 | $58,000 |
| 10% deposit | $74,000 | $116,000 |
| 20% deposit (no LMI) | $148,000 | $232,000 |
| Transfer duty, standard | $27,487 | $46,387 |
| Transfer duty, first home buyer | $0 | $46,387 |
| Registration fees | $365 | $365 |
| 5% Deposit Scheme cap ($1,500,000) | Under | Under |
| Cash needed, first home buyer, 10% deposit | $74,365 | $162,752 |
- Owner-occupier, established home, every scheme condition met. Cash needed excludes conveyancing and LMI. 2026-27 rules, checked 26 October 2026.
At $740,000, the median unit is under the $800,000 limit of the First Home Buyers Assistance Scheme, so an eligible first home buyer pays no transfer duty instead of $27,487. No first home concession reaches the median house; at that price the duty is $46,387 for everyone.
Unit and house medians both fit under the $1,500,000 5% Deposit Scheme cap, leaving $340,000 of headroom even at the house median.
Try a price other than $740,000 in the NSW stamp duty calculator
Rent in Bardia compared with buying
A renter signing a new lease in postcode 2565 in April to June 2026 paid a median $700 a week ($36,400 a year); DCJ counted 226 new bonds. By size, a two-bedroom unit leased for $600 a week and a three-bedroom house for $670.
At the 2021 Census the median renter here paid $550 a week, and the median household with a mortgage repaid $2,600 a month, 9% more than the median rent. New leases now cost 27% more than the 2021 median, although the two sources measure different things (new bonds against all renters). That 2021 rent was 23% of a median household's income.
Put another way, 53 weeks of today's median rent would cover a 5% deposit ($37,000) on the median unit. Most households here own their home: 34.7% rent, 58.1% have a mortgage and 4.8% own outright.
| Dwelling | Weekly | Yearly | New bonds |
|---|---|---|---|
| All dwellings | $700 | $36,400 | 226 |
| 2-bedroom unit (small sample) | $600 | $31,200 | 11 to 30 |
| House (all sizes) | $750 | $39,000 | 175 |
| 3-bedroom house | $670 | $34,840 | 61 |
| 4+ bedroom house | $830 | $43,160 | 91 |
| Townhouse (all sizes) (small sample) | $575 | $29,900 | 11 to 30 |
- No interest rate is assumed: compare with your own rate in the repayments calculator.
Who we help in Bardia
Nepali-Australian buyers in Bardia
Nepal-born residents number 589 here, 10.2% of the population, with 719 speaking Nepali at home. Common questions here: will a lender accept a gift from parents in Nepal, how is overseas income or savings counted, and what does a deposit in lakh come to in dollars.
Nepali community home loans NPR to AUD converter
Owners with a mortgage
58.1% of Bardia homes are owned with a mortgage, with a median repayment of $31,200 a year in 2021. If your loan is a few years old, or your income or visa status has changed, a review shows whether another lender would treat you better. Refinancing
House and land buyers
82.8% of homes are separate houses. The $10,000 First Home Owner (New Homes) Grant is for new homes up to $600,000 (land and build up to $750,000), against a $1,160,000 median house here. Building means a construction loan paid in stages. Construction loans
Compare nearby suburbs
The nearest suburb we cover is Edmondson Park, 1.5 km away. Three of the five neighbours listed have a lower median unit price than Bardia's $740,000. Granville has a larger Nepal-born community (2,240 people).
| Suburb | Distance | Born in Nepal | Median rent | Median unit |
|---|---|---|---|---|
| Bardia | — | 589 | $700/wk | $740,000 |
| Edmondson Park | 1.5 km | 571 | $760/wk | $771,000 |
| Ingleburn | 3.1 km | 630 | $700/wk | $740,000 |
| Minto | 6.2 km | 655 | $623/wk | $710,000* |
| Merrylands | 19.7 km | 947 | $650/wk | $548,000 |
| Granville | 20.7 km | 2,240 | $630/wk | $563,000 |
- Born in Nepal: ABS Census 2021. Rent and unit price: NSW DCJ, latest quarter. * Council-area median.
See the Edmondson Park suburb guide, our Ingleburn guide or buying in Minto. All NSW suburb guides
Bardia buyers often ask
How much stamp duty would a first home buyer pay on a median Bardia unit?
None, if you qualify for the First Home Buyers Assistance Scheme: the $740,000 median unit is under the exemption limit. Other buyers pay $27,487. Checked against Revenue NSW on 26 October 2026.
What deposit do I need to buy in Bardia?
For the median unit ($740,000): $37,000 at 5%, $74,000 at 10% or $148,000 at 20%. The median house needs $232,000 for 20%. Below 20%, expect LMI unless you use the 5% Deposit Scheme or a guarantor.
Can I use the 5% Deposit Scheme in Bardia?
The median unit ($740,000) is $760,000 under the $1,500,000 cap. The median house ($1,160,000) is $340,000 under the $1,500,000 cap. You must be a citizen or permanent resident and a first home buyer.
Is it cheaper to rent or buy in Bardia?
We can't say without your rate. For scale: a year of median rent on a new lease is $36,400, and 2021 mortgage repayments ran at a median $31,200 a year.
Your Bardia numbers, checked
Sulav checks your deposit, income and visa against lender policy for a unit around $740,000, in a 60-minute call by phone or video.
Sources
Data last updated . Census figures are for 2021; DCJ figures are quarterly medians.
- ABS QuickStats 2021: Bardia (SAL10195)
- ABS Census 2021 tables for SAL10195
- ASGS Edition 3 boundaries
- Rent and Sales Report, sales January to March 2026
- Rent and Sales Report, rents April to June 2026
- Transfer duty rates
- First Home Buyers Assistance Scheme (new or existing home)
- 5% Deposit Scheme price caps