What suburb is postcode 2103?

Mona Vale is the primary suburb with postcode 2103 in New South Wales. In some cases multiple suburbs share the same postcode — Mona Vale is the main locality.

Which local government area is Mona Vale in?

Mona Vale (2103) is located in the Northern Beaches local government area in New South Wales.

What data does Stickybeak show for Mona Vale?

Stickybeak shows 16 data cards for Mona Vale (2103) covering affordability (median sale prices, rental yield, first home buyer eligibility), lifestyle (schools, childcare, walkability, commute times), risk factors (flood zones, bushfire prone land, air quality, traffic volume), and suburb growth signals (development pipeline, price trajectory, demographics).

Is Mona Vale flood prone?

Flood risk varies street by street in Mona Vale. Check the Dealbreakers section on this page for the latest NSW flood zone mapping sourced from official state government data. Always verify at the property level with a Section 10.7 certificate before purchasing.

What are the best schools near Mona Vale?

The Schools card on this page lists primary and secondary schools within the catchment area for Mona Vale (2103), including their NAPLAN performance data and distance from the suburb centre.

Is Mona Vale (2103) eligible for the First Home Buyer scheme?

The First Home Buyer eligibility card on this page shows which NSW and federal government schemes — including the First Home Guarantee, stamp duty exemptions, and the First Home Super Saver scheme — apply to purchases in Mona Vale (2103). Eligibility depends on the purchase price and your individual circumstances.

How is Mona Vale changing?

The Change section on this page covers new housing supply from the development pipeline, historical price trajectory, and demographic shifts for Mona Vale (2103) using data from NSW Planning, the ATO, and the ABS.

Mona Vale 2103 suburb insights

Thinking about buying in Mona Vale (2103)? This page consolidates 16 data cards from NSW government, the ABS, and Transport for NSW to help you build a complete picture of what ownership and life in the Northern Beaches suburb actually looks like. The analysis covers affordability signals — median sale prices, rental yield, and first home buyer eligibility — alongside lifestyle indicators including school catchments and walkability, risk factors such as flood and bushfire exposure, and suburb-change metrics covering the development pipeline and price trajectory. Jump between the four sections using the sticky navigation above, or scroll through the full analysis below.

Last refreshed April 2026 (most cards). Per-card sources show exact dates.

All data has limits. See our data caveats.

Can I afford Mona Vale?

Serviceability check

What would a typical mortgage look like in Mona Vale? Based on the suburb median of $2,450,000 (houses) and the local median household income.

Monthly repayment

$12,094/mo

6.3% variable · Apr 2026

Repayment-to-income

121.6%

Stretch

Loan assumptions

$1,960,000 loan

20% deposit ($490,000)

30-year P&I

At today's rate, repayments here would eat 122% of the typical local household's gross income. That is out of reach for most buyers.

Repayment burden vs Sydney median income

Mona Vale121.6%

Sydney median income134.8%

30% stress line

Assumes a 20% deposit and a 30-year P&I owner-occupier loan at the current Sydney variable rate. Your actual rate, deposit, and income will differ.

Sources: RBA Table F6 (rate), ABS Census 2021 G02 (income), suburb median sale.

Nearby suburbs with lower medians

Still looking? These suburbs are closer to reach.

Warriewood 2102$1,450,00072% RTI Newport 2106$1,330,00066% RTI Narrabeen 2101$1,225,00061% RTI

Based on median prices and a 20% deposit at 6.27% variable.

Can I afford Mona Vale?

Rental market in Mona Vale

Median weekly rent from lodged bonds. Sep 2025. Bond count suppressed by DCJ (30 or fewer lodgements this quarter).

Rents here are at the higher end for Sydney. Higher holding costs for investors; higher savings pressure for renters.

Median weekly rent · Unit · 2 bed

Small sample

$830per week

Sep 2025 · bond count suppressed

Quarterly trend · last 12 quarters

Nearby suburbs · same combination

Warriewood2102

$915▲$85

1.4 km away

Bayview2104

$880▲$50

2.2 km away

Newport2106

$763▼$67

2.5 km away

Narrabeen2101

$850▲$20

3.5 km away

NSW DCJ Rental Bond Board · Sep 2025 · CC BY. Cells with 10 or fewer bond lodgements are suppressed; cells with 30 or fewer have the bond count suppressed but rent published. Figures are transacted rents, not asking rents.

Source: ABS Census 2021, Postal Areas (CC BY 4.0).

Any dealbreakers?

Air quality in Mona Vale

GoodAQI · NSW DCCEEW

04:10 AEST

Cammeray station · 18.5 km from centroid

12-month median: AQI 28 · Good

Air quality is generally safe for outdoor activity.

Pollutants

nearest station

PM2.5i

5.2µg/m³

24-hr avg

PM10i

16.7µg/m³

24-hr avg

NO₂i

0.4pphm

1hr reading

AQI · last 12 months · daily mean

Cammeray station · 365 daily points

Source: NSW DCCEEW Air Quality API (CC BY 4.0). Historical data updated weekly; live readings cached 60 minutes.

View dealbreakers as a standalone report →

DEVELOPMENT PIPELINE · NSW PLANNING PORTAL · 2103

What’s in the pipeline

NSW Planning Portal feed paused at the source for postcode 2103. Expected back by Q3 2026.

How might Mona Vale change?

Investor activity in Mona Vale

2103 · ATO Taxation Statistics · ~18-month lag

Source: ATO Taxation Statistics (CC BY 2.5 AU).

What to do next

Three steps to move from research to action.

Get pre-approved

Know your budget before you inspect. A pre-approval letter strengthens your offer.

Read our guides

Set a listings alert

See new listings in Mona Vale under the median ($1,270,000).

Search on Domain

Join the contract-review waitlist

Have your Section 66W reviewed before you sign.

Join the waitlist

Track Mona Vale.

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Compare Mona Vale with another suburb

Also in Northern Beaches

Comparing suburbs in the same area can sharpen your decision. Browse suburb insights for other Northern Beaches postcodes, or explore the full Northern Beaches suburb index.

Avalon Beach 2107 Balgowlah 2093 Bayview 2104 Brookvale 2100

Frequently asked questions

What suburb is postcode 2103?: Mona Vale is the primary suburb with postcode 2103 in New South Wales. In some cases multiple suburbs share the same postcode — Mona Vale is the main locality.
Which local government area is Mona Vale in?: Mona Vale (2103) is located in the Northern Beaches local government area in New South Wales.
What data does Stickybeak show for Mona Vale?: Stickybeak shows 16 data cards for Mona Vale (2103) covering affordability (median sale prices, rental yield, first home buyer eligibility), lifestyle (schools, childcare, walkability, commute times), risk factors (flood zones, bushfire prone land, air quality, traffic volume), and suburb growth signals (development pipeline, price trajectory, demographics).
Is Mona Vale flood prone?: Flood risk varies street by street in Mona Vale. Check the Dealbreakers section on this page for the latest NSW flood zone mapping sourced from official state government data. Always verify at the property level with a Section 10.7 certificate before purchasing.
What are the best schools near Mona Vale?: The Schools card on this page lists primary and secondary schools within the catchment area for Mona Vale (2103), including their NAPLAN performance data and distance from the suburb centre.
Is Mona Vale (2103) eligible for the First Home Buyer scheme?: The First Home Buyer eligibility card on this page shows which NSW and federal government schemes — including the First Home Guarantee, stamp duty exemptions, and the First Home Super Saver scheme — apply to purchases in Mona Vale (2103). Eligibility depends on the purchase price and your individual circumstances.
How is Mona Vale changing?: The Change section on this page covers new housing supply from the development pipeline, historical price trajectory, and demographic shifts for Mona Vale (2103) using data from NSW Planning, the ATO, and the ABS.

Explore Mona Vale in depth

Dig deeper into specific topics for Mona Vale 2103: see flood risk, schools, walkability, and rental market as standalone pages. Or browse the full Northern Beaches suburb index to compare nearby options.