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Suburb profile ·Narrabri LGA · NSW ·2397

Bellata NSW 2397

Bellata is in Narrabri LGA, NSW, postcode 2397, with population 266.

The read

Premium-market

There are enough stretched or weaker signals here that you should assume trade-offs rather than a clean story. Use compare mode to see whether the downside is price, local quality, or weaker momentum before treating it as a target suburb.

Why it fits

Transport coverage adds a practical access signal.

What to check

Premium pricing raises the bar for yield, affordability, and downside checks. Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$1.6M
House median, latest period
0.0%YoY D9 vs AU
Median rent
$180/wk
Market rent signal
D2 vs AU
Gross yield
0.6%
Low yield band
D1 vs AU
Population
12,797
13K via Narrabri LGA · SAL undercount
Schools
1
Matched school context
D1 vs AU
Drive to city
Not in commute dataset
Solar
97
2 added 12mo · 1MW

Price history

Trend & investor depth

Indicative cashflow-$1,465/wk (-$76,180/yr) · interest-only @ 6.4%, 80% LVR
Value vs advantage+107% vs suburbs of similar SEIFA advantage (decile 4)

Indicative cashflow is interest-only and excludes tax — use the calculator for a full projection. Turnover divides recorded sales by an estimated household count (population over average household size).

Investor profile

Who invests in Bellata

Owner-occupied 73%Rented 27%
Investor activityATO
Negatively geared3.4%
8 of 34 landlords
Avg rental loss$18,984/yr
Landlords (rental income)34
Reported capital gains34
The read

Mixed owner-renter market

57% of homes here are owner-occupied and 21% rented, with 3% of landlords negatively geared.

Why it fits

A balanced 57% owner-occupier / 21% renter mix.

ABS Census 2021 tenure (G37), ATO postcode rental statistics, and QuickProperty's investor-exposure index. Owner-occupied = owned outright + with a mortgage.

Mortgage affordability

143%
of household income to service a new loan
32.5 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $7,962/mo vs median rent $780/mo (+921% · +$1657/wk)

If rates move

At 4.2%: $6,357/mo (-1,605) · at 6.2% (current): $7,962/mo · at 8.2%: $9,721/mo (+1,759)

Assumes a 20% deposit and a 30-year principal-and-interest loan at the current RBA new owner-occupier variable rate, against median weekly household income (ABS Census 2021). Stress bands follow the 30% / 45%-of-income thresholds used in ANZ-CoreLogic and AIHW reporting. Rent vs buy compares that repayment with the suburb's median advertised rent; it excludes rates, insurance, maintenance and deposit opportunity cost.

Stronger alternatives nearby

Higher yield

similar price · cross-LGA

More affordable

lower price-to-income

Alternatives are similar-priced suburbs (0.7–1.4x this suburb's median) in other council areas that exceed it on the named metric. Indicative — not financial advice.

Affordability

Buying
24.3x
median home price as a multiple of annual household income
Stretched
Renting
14%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $680/mo, while renters pay about $780/mo — renting runs $100/mo higher on these medians.

Median price
$1.63M
Household income · yr
$67K
Median rent · wk
$180
Owner mortgage · mo
$680
Gross yield
0.6%

Household income

$67K household · yr-18.9% vs NSW suburb median
Personal
$38K
Family
$88K
Household
$67K
Household income distribution (ABS Census 2021 · weekly)fewer than 4% could service the median house
Under $300
4
$300-649
13
$650-999
14
$1,000-1,499
18
$1,500-1,999
10
$2,000-2,999
11
$3,000-3,999
0
$4,000+
3

Serviceability line: a household needs about $6,125/wk to hold a new loan on the median house at 30% of income (20% deposit, 30-year P&I, current RBA rate).

At the median asking rent, about 22% of households here would spend more than 30% of income on rent (rent stress line: $600/wk income).

Housing stock and tenure

Tenure (96 households)
Owned outright
40%
Owned with mortgage
18%
Rented
21%
Dwelling structure21.5% of dwellings unoccupied on census night
Separate house
96%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 54% drive, 0% public transport, 10% walk or cycle, 26% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total1
Avg ICSEA913
Students17
Government1
  • Bellata Public SchoolPrimary · Government · ICSEA 913
Crime April 2025 - March 2026
730
5,705 per 100k
D7 vs AU

Crime

Rate · per 100k5,705
Total incidents730· April 2025 - March 2026
  • Assault22866%
  • Sexual Offences3811%
  • Robbery10%
  • Break And Enter7823%

Building due diligence

Construction requirements can change by location.

The National Construction Code is the baseline. Local hazards and site classifications can change the required structure, materials, fixings, insulation and detailing.

Known here

SUBURB CONTEXT

Bushfire-prone land

Moderate broad-area context

About 22.2% of the suburb intersects mapped bushfire-prone land.

May affect: External construction · Roof and wall systems · Openings, screens and decks

Check the property

ADDRESS + DESIGN

NCC climate zone

Check the property

Confirm the NCC climate zone used for the building design and energy provisions.

May affect: Insulation and glazing · Condensation control · Roof-space ventilation

Wind class and BAL

Site assessment required

A suburb layer cannot determine the site wind classification or Bushfire Attack Level.

May affect: Structure and tie-downs · Cladding and fixings · Openings and bushfire detailing

Corrosion and termite exposure

Check the property

Confirm marine or corrosive exposure and the applicable termite-management requirements.

May affect: Fasteners and connectors · Roofing and coatings · Termite management

This screen identifies investigation triggers, not building quality or property compliance. Confirm the address, design and current jurisdiction rules with the council, building surveyor or certifier, designer and engineer.

NCC 2022 Housing Provisions: how to use · NCC 2022 Volume Two and Housing Provisions

Bushfire exposure

Moderate exposure ~22.2%
~22.2% of the suburb is Bush Fire Prone Land

Estimated exposure to NSW RFS Bush Fire Prone Land (CC BY), point-sampled across the suburb. This shows how much of the suburb sits within the official hazard layer — it is not a Bushfire Attack Level (BAL) rating or a property-level assessment. Obtain a BAL assessment (AS 3959) for an individual property.

Planning zones

Dominant zone Primary Production
Rural / Green wedge 100%

Land-use mix estimated by point-sampling the suburb against NSW EPI Land Zoning polygons (CC BY 4.0). This is a suburb-level snapshot of planning zones, not a parcel-level zoning certificate or development advice. Check the relevant planning scheme for an individual property.

Population outlook

4,642 people · 20224,589 by 2032 (-1.1%)

ABS population projection (2022 base) for the Narrabri Surrounds SA2 statistical area — the finest official projection grain available; suburb-level projections do not exist.

Full data detail Census · ATO · ABS · state datasets
Bellata NSW — Property Data and Demographics

Bellata (postcode 2397) is a small, quiet locality in New South Wales within the Narrabri local government area. With a population of 266, the suburb has a mature demographic with a median age of 45. Households earn a median income of $67K per year, with an average household size of 2.4 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at -0.4% year-on-year at the LGA level. NSW employment has moved +1.2% year-on-year in the official ABS Labour Force trend series, which provides the broader jobs backdrop for this suburb. NSW also had 35 Commonwealth-backed major projects under construction, 17 underway, and 67 in planning as at 2025-09-01, which is useful as a broader delivery backdrop rather than a suburb-specific project count. The most common occupations are managers, machinery operators & drivers, clerical & administrative. Employment in the area leans toward agriculture and transport & logistics. The top ancestries reported are Australian, English, Scottish.

Median house prices in Bellata sit at $1.6 million, little changed on a year ago. The median weekly rent is $180 (Census 2021). This gives a gross rental yield of approximately 0.6%. The median monthly mortgage repayment is $680.

Bellata is served by 1 school, including 1 primary. The average ICSEA score is 913, which is below the national average of 1,000. Public transport access includes 1 rail station, 21 bus stops. The crime rate in the Narrabri LGA is moderate at 5,705 incidents per 100,000 population.

On the investment side, Bellata shows a gross rental yield of approximately 0.6%, rated as low yield. Property prices are near the state median ($1.6M/$1.5M). The price-to-income ratio of 24.3x is considered stretched. House prices have moved +0.0% year-on-year. Population growth of -0.4% year-on-year points to declining demand fundamentals. Building approvals have changed +0% year-on-year, indicating steady development activity.

Market & money
Investment signalsHeuristics
Rental Yield0.6% Low Yield
Price vs State$1.6M/$1.5M· Near Median
Affordability24.3x Stretched
Price Momentum+0.0%· Stable
Pop. Growth-0.4% Declining
Development+0%· Steady
InvestmentNSW
Mortgage · mth$680
Rent · wk(Census)$180
Gross yield0.6%
Price / income24.3x
Population growth · Narrabri LGAABS ERP
Population (2025)12,797
5-year growth-0.3% CAGR
YoY change-0.4%
20012025
Development · Narrabri LGAABS Approvals
Approvals (2026)10
Houses10
YoY change+0%
Employment · Narrabri LGASALM
Unemployment (Dec-25)2.4%
YoY change+0.2pp
Dec-10Dec-25
Property investors · Postcode 2397ATO
Negatively geared3.4%
8 of filers
Avg rental loss$18,984/yr
Landlords (rental income)34
Reported capital gains34
People & prosperity
DemographicsCensus 21
Population266
Median age45
Household size2.4
HH income · wk$1,284
Personal income · wk$737
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)4/10
Education (IEO)6/10
Economic (IER)3/10
Disadvantage (IRSD)5/10
Income momentumCensus 16→21
HH income · wk$1,218 → $1,284
Change+5.4%
vs NSW median-15.2 pp
Median rent+95.7%
softeningvs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets0
Pharmacies0
GP / clinics0
Fuel stations1
Cafes & dining0
TransportGTFS
Rail stations1
Bus stops21
Bellata Station, Coach Stop
Hospitals · Narrabri LGAAIHW
Public3
Private0
Boggabri Multi Purpose Servicepublic
Narrabri Hospitalpublic
Wee Waa Hospitalpublic
Aged care · Narrabri LGAGEN
Facilities4
Residential places157
Whiddon Narrabri Jessie Hunt57 places
Whiddon Narrabri Robert Young54 places
Whiddon Weeronga30 places
Boggabri Multi-Purpose Service16 places
Childcare · Narrabri LGAACECQA
Services13
Approved places473
Exceeding NQS3
Community Kids Narrabri Early Education Centre76 places
Little Kindy Narrabri48 places
Nurruby Early Education Service42 places
Nurruby Narrabri OOSH40 places
Nurruby OOSH40 places
Kogil Street Preschool39 places
+7 more in Narrabri LGA
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Current status
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Sources & freshness
Strong evidence

Bellata has enough direct local evidence for a first-pass decision.

QuickProperty mixes release files, Census baselines, and matched local services on this page. Read the status panel before treating every metric as equally fresh.

PRICE POSTURE
NSW price medians are parser-guarded official records.

Official sale records parsed from cached Bulk PSI ZIP files with parser guardrails for token sales, non-house zoning, and low-value strata component records

RENT POSTURE
Rent is falling back to Census, not a market feed.

This gives you directional coverage, but it is weaker than a current rent release.

SERVICE POSTURE
Service coverage is matched locally, not inferred nationally.

Schools, transport, and hospitals are useful as presence signals, but they still have different source cadences.

Data status
Property prices
NSW Valuer General · 2025 · Official sale records parsed from cached Bulk PSI ZIP files with parser guardrails for token sales, non-house zoning, and low-value strata component records
medium stability · automated · every update · weekly
Available
Market rent
ABS Census 2021 · Using Census rent fallback
stable source · manual file · snapshot · census-cycle
Verify
Crime
BOCSAR · April 2025 - March 2026 · Area-level release dataset
medium stability · automated · every update · release-based
Available
Schools
ACARA 2025 · 1 schools matched
stable source · automated · every update · annual
Available
Hospitals
AIHW · No linked local hospital coverage
medium stability · manual file · snapshot · mixed
Missing
Transport
GTFS feeds · 22 matched stops/stations
medium stability · manual file · snapshot · mixed
Available
Population growth
ABS ERP · 2025 · Annual estimate series
stable source · automated · every update · annual
Available
Building approvals
ABS Building Approvals · 2026 · Annual release series
stable source · automated · every update · monthly
Available
Available means a direct local dataset is linked. Verify means coverage exists but freshness or precision is weaker, such as ABS price fallback, Census rent fallback, or low-confidence hospital matching.

Bellata FAQ

Common questions
  1. What LGA is Bellata in?

    Bellata is in the Narrabri Local Government Area, NSW, postcode 2397. Council-level context for Narrabri LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Bellata?

    The current median house price in Bellata, NSW is $1.6M, based on the latest available sales data from state Valuers General offices and ABS Data by Region.

  3. What is the typical weekly rent in Bellata?

    The median weekly rent in Bellata is $180/wk, based on ABS Census 2021 rent fallback.

  4. Is Bellata a good investment?

    QuickProperty's investment signals for Bellata show: Low Yield, Near Median, Stretched. These are computed from price, rent, income, and population data — not an opaque score.

  5. Where does QuickProperty get its data for Bellata?

    Property prices come from state Valuers General offices and ABS Data by Region. Demographics are from ABS Census 2021. School ICSEA scores are from ACARA. Crime statistics are from state police agencies. Transport data is sourced from GTFS feeds.

  6. How often is the Bellata data updated?

    Property prices update quarterly. RBA macro indicators update with each deploy. Demographics are from Census 2021. School ICSEA scores are from ACARA 2025.