Cardiff South zoning & planning overlays
A planning-constraint profile of Cardiff South (Lake Macquarie, NSW) - 1.61 km², mapped from live council and state overlay data. This suburb is highly constrained on the overlays we hold - no flood mapping covers this suburb, so this is not a suburb-wide verdict.
Everything below is suburb-wide. Overlays change block to block - see which ones actually touch your lot. The map is free.
Constraint readout
1.61 km² - this suburb is highly constrained on the overlays we hold - no flood mapping covers this suburb, so this is not a suburb-wide verdict.
Elevation hillshade with street names, clipped to Cardiff South's boundary, with the bushfire and environmental overlays drawn on top. It shows where constraints fall; the interactive map shows them on your exact address. No flood layer is drawn because we hold no flood mapping for this area.
Cardiff South at a glance
How Cardiff South is zoned
Buying in Cardiff South? The zoning, flood and bushfire lines on the section 10.7 certificate attached to the contract are mapped controls - see our s10.7 certificate guide.
Across its 1.61 km², Cardiff South is highly constrained by the planning overlays we hold. We hold no flood mapping covering this suburb, so no flood figure is shown - that is a gap in our data, not an all-clear. Of what is mapped, 38% is flagged bushfire-prone. There is 1 heritage-listed site on record, and the dominant land-use zone is Low Density Residential. The median lot measures about 638 m² across 1,176 parcels. These figures are suburb-wide - the overlays that actually apply to a given lot can differ block to block, which is what a property-level check tells you.
Who lives in Cardiff South
Census 2021 figures published by the ABS for the Cardiff South suburb boundary itself, not a wider region.
Socio-economic standing
ABS SEIFA 2021 ranks every Australian suburb. Decile 1 is the most disadvantaged tenth of the country, decile 10 the least.
Score 965, and decile 4 within New South Wales. The national average is 1000.
Age profile
Share of Cardiff South's 2,931 residents in each ABS age band.
Population trend, 2001 to 2025
Estimated resident population of Glendale - Cardiff - Hillsborough, the wider ABS statistical area containing Cardiff South. There is no annual population series published at suburb level, so this describes the surrounding area rather than Cardiff South itself.
22,959 in 2001 to 25,569 in 2025, up 11%.
Source: Australian Bureau of Statistics. Census of Population and Housing 2021 (General Community Profile) and SEIFA 2021, both published at the Suburbs and Localities level; Regional Population (estimated resident population) at Statistical Area Level 2. Used under CC BY 4.0. Census counts of small populations are randomly adjusted by the ABS to protect confidentiality, so figures for small suburbs are indicative.
Cardiff South data sources and coverage
Every figure below is an aggregate for the suburb boundary. “Not mapped” means LayeredGeo does not hold a source layer covering this suburb; it is never an all-clear for a particular property.
| Dataset | Coverage | Publisher |
|---|---|---|
| Flood mapping | Not mapped | NSW Government spatial services, NSW ePlanning and published council flood studies |
| Bushfire-prone mapping | Mapped | NSW Government spatial services, NSW ePlanning and published council flood studies |
| Zoning | Mapped | NSW Government spatial services, NSW ePlanning and published council flood studies |
| Heritage and environment | Mapped where published | NSW Government spatial services, NSW ePlanning and published council flood studies |
| Demographics | Available | Australian Bureau of Statistics (2021 Census and SEIFA) |
Profile last materially updated 5 August 2026. See the methodology and full source list. Source data changes over time and critical decisions should be checked with the responsible authority.
Check a specific Cardiff South address
See exactly which overlays touch a single property - the interactive map is free. Need it on paper? A full planning PDF is just $9.
See what's in the $9 report →Cardiff South planning - frequently asked
Is Cardiff South flood-prone?
We don't yet hold flood mapping covering Cardiff South, so this page can't say how much of the suburb is flood-affected - that is a gap in our data, not an indication that the suburb is free of flood risk. Lake Macquarie is the authority to check for flood mapping in this area. Flood overlays vary block to block, so whether a particular lot is affected needs a property-level check.
Is Cardiff South bushfire-prone?
Yes - around 38% of Cardiff South is mapped as bushfire-prone, compared with a Lake Macquarie average of 65%. A bushfire-prone designation can trigger additional building requirements, so check the specific address.
What is the zoning in Cardiff South?
The dominant planning zone in Cardiff South is Low Density Residential, though the suburb also includes Environmental Conservation and Medium Density Residential. Zoning sets what you can build and do on a site, and can differ lot by lot.
Does Cardiff South have heritage-listed places?
Cardiff South has 1 heritage-listed place on record. Heritage listing affects what you can alter or demolish, so confirm whether a specific property is listed or near a heritage place.
What is the typical lot size in Cardiff South?
Across 1,176 surveyed parcels in Cardiff South, the median lot size is about 638 m². There are also 2 registered easements mapped in the suburb - an easement can restrict where you can build, so always check the title and overlays for the specific lot.
Does Cardiff South have a train station?
There is no train station inside Cardiff South itself. The suburb is served by 45 bus stops.
What is the population of Cardiff South?
At the 2021 Census Cardiff South had 2,931 usual residents, with a median age of 38 and an average household size of 2.5 people. The wider Glendale - Cardiff - Hillsborough statistical area, which contains Cardiff South, went from 22,959 people in 2001 to 25,569 in 2025, up 11%. ABS publishes no annual population series for individual suburbs, so that trend describes the surrounding area rather than Cardiff South alone.
Is Cardiff South an advantaged suburb?
On the ABS SEIFA 2021 index of relative socio-economic advantage and disadvantage (IRSAD), Cardiff South scores 965 and sits in decile 4 of 10 nationally and decile 4 within New South Wales - decile 1 being the most disadvantaged tenth of Australian suburbs and decile 10 the least. The national average score is 1000. SEIFA summarises income, education, occupation and housing across the whole suburb, so it describes the area, not any particular household in it.
What is the median household income in Cardiff South?
Median household income in Cardiff South was $1,688 a week at the 2021 Census, against $1,636 for the typical suburb in Lake Macquarie. Median rent was $400 a week and the median mortgage repayment $1,777 a month. These are 2021 Census figures and have not been indexed to today.
Do I need a planning report for a Cardiff South property?
A Cardiff South planning report pulls every overlay - zoning, flood, bushfire, heritage and environmental - that touches a single lot, on live council and state data. The interactive map preview is free; a full PDF report is $9.
Compare nearby suburbs
| Nearby suburb | Distance | Flood mapped | Bushfire-prone |
|---|---|---|---|
| Hillsborough | 1.3 km | Not mapped | 81% |
| Garden Suburb | 1.4 km | Not mapped | 69% |
| Cardiff | 1.6 km | Not mapped | 22% |
| Lakelands | 1.8 km | Not mapped | 43% |
| Macquarie Hills | 2.1 km | Not mapped | 58% |
| Warners Bay | 2.3 km | Not mapped | 44% |
| Kotara South | 2.4 km | Not mapped | 27% |
| Cardiff Heights | 2.5 km | Not mapped | 68% |
| Mount Hutton | 2.8 km | Not mapped | 62% |
| Charlestown | 3.0 km | Not mapped | 47% |