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Suburb profile ·Armidale Regional LGA · NSW ·2365

Black Mountain NSW 2365

Black Mountain is in Armidale Regional LGA, NSW, postcode 2365, with population 291.

The read

Income-first

The page has enough signal to be useful, but the story is mixed rather than decisive. Use compare mode to pressure-test it against stronger nearby options, then use the calculator if it still makes the shortlist.

$380/wk
Falling
-7.3% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2365 · Jun 2026
$455
$270
Jun 2025Jun 2026
Why it fits

Gross yield screens at about 5.9%. Entry price sits in the lower-cost range for a first-pass screen. Transport coverage adds a practical access signal.

What to check

Small local population makes the signal set more fragile.

Median house
$335K
House median, latest period
12.4%YoY D1 vs AU
Median rent
$380/wk
Rent-led investor candidate
7.3%YoY D8 vs AU
Gross yield
5.9%
Strong yield band
D10 vs AU
Population
291
291 local footprint
D6 vs AU
Schools
1
Matched school context
D1 vs AU
Drive to city
Not in commute dataset
Solar
806
39 added 12mo · 6MW
Price cycleNear its low
LowPeak

46.8% below peak · 8.1% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionNear its low
Low · 2007Peak · 2021

46.8% below peak · 8.1% above its low

Price growth (compound)% per year
3-yr
-10.8%
5-yr
-0.1%
10-yr
-3.8%
Indicative cashflow-$45/wk (-$2,332/yr) · interest-only @ 6.4%, 80% LVR
Value vs advantage-79% vs suburbs of similar SEIFA advantage (decile 10)

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 Black Mountain

Owner-occupied 85%Rented 15%
Investor activityATO
Negatively geared4%
86 of 262 landlords
Avg rental loss$6,663/yr
Landlords (rental income)262
Reported capital gains215
The read

Owner-occupier stronghold

81% of homes here are owner-occupied and 14% rented, with 4% of landlords negatively geared.

Why it fits

81% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

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

Mortgage affordability

21%
of household income to service a new loan
4.9 yrs
to save a 20% deposit
Comfortable
housing-stress band
Rent vs buyRoughly even

New-loan repayment $1,641/mo vs median rent $1,647/mo (-0% · -$1/wk)

If rates move

At 4.2%: $1,311/mo (-331) · at 6.2% (current): $1,641/mo · at 8.2%: $2,004/mo (+363)

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

Stronger 5-yr growth

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
3.6x
median home price as a multiple of annual household income
Affordable
Renting
21%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $2,000/mo, while renters pay about $1,647/mo — owning runs $353/mo higher on these medians.

Median price
$335K
Household income · yr
$92K
Median rent · wk
$380
Owner mortgage · mo
$2,000
Gross yield
5.9%

Household income

$92K household · yr+11.7% vs NSW suburb median
Personal
$40K
Family
$100K
Household
$92K
Household income distribution (ABS Census 2021 · weekly)58% could service the median house
Under $300
10
$300-649
17
$650-999
9
$1,000-1,499
13
$1,500-1,999
21
$2,000-2,999
19
$3,000-3,999
4
$4,000+
7

Serviceability line: a household needs about $1,263/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 42% of households here would spend more than 30% of income on rent (rent stress line: $1,267/wk income).

Housing stock and tenure

Tenure (104 households)
Owned outright
49%
Owned with mortgage
32%
Rented
14%
Dwelling structure4.5% of dwellings unoccupied on census night
Separate house
100%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 59% drive, 0% public transport, 7% walk or cycle, 32% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total1
Avg ICSEA807
Students20
Government1
  • Black Mountain Public SchoolPrimary · Government · ICSEA 807
Crime April 2025 - March 2026
1,693
5,711 per 100k
D7 vs AU

Crime

Rate · per 100k5,711
Total incidents1,693· April 2025 - March 2026
  • Assault47053%
  • Sexual Offences14416%
  • Robbery71%
  • Break And Enter26330%

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

High broad-area context

About 46.6% 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

High exposure ~46.6%
~46.6% of the suburb is Bush Fire Prone Land · ~33.7% Category 1 (highest hazard)

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 99% Residential 1% Public / Open space 1%
Residential density: Low

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

4,553 people · 20224,698 by 2032 (+3.2%)

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

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

Located in New South Wales within the Armidale Regional local government area, Black Mountain is a small, quiet locality (postcode 2365). The area has roughly 291 residents and a settled, mature resident base, with a median age of 47. Households earn a median income of $92K per year, with an average household size of 2.6 people. 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, professionals, technicians & trades. Employment in the area leans toward agriculture and education. The top ancestries reported are English, Australian, Irish.

Black Mountain has a median house price of $335,000, which has dropped significantly by 12.4% year-on-year. The current median weekly rent is $380. This gives a gross rental yield of approximately 5.9%. The median monthly mortgage repayment is $2,000.

Black Mountain is served by 1 school, including 1 primary. The average ICSEA score is 807, which is well below the national average of 1,000. Public transport access includes 23 bus stops. The crime rate in the Armidale Regional LGA is moderate at 5,711 incidents per 100,000 population.

From an investment perspective, Gross rental yield sits at around 5.9% (high yield). Property prices sit below the state median ($335K/$1.5M), which can point to relative value. The price-to-income ratio of 3.6x is considered affordable. House prices have moved -12.4% year-on-year.

Market & money
Investment signalsHeuristics
Rental Yield5.9% High Yield
Price vs State$335K/$1.5M Below Median
Affordability3.6x Affordable
Price Momentum-12.4% Falling
InvestmentNSW
Mortgage · mth$2,000
Rent · wk(Census)$225
Market rent · wk(2026-06)$380
Gross yield3.5%
Price / income3.6x
Property investors · Postcode 2365ATO
Negatively geared4%
86 of filers
Avg rental loss$6,663/yr
Landlords (rental income)262
Reported capital gains215
People & prosperity
DemographicsCensus 21
Population291
Median age47
Household size2.6
HH income · wk$1,768
Personal income · wk$766
Persons / bedroom0.7
SEIFA indexABS
Advantage (IRSAD)10/10
Education (IEO)9/10
Economic (IER)9/10
Disadvantage (IRSD)9/10
Income momentumCensus 16→21
HH income · wk$1,520 → $1,768
Change+16.3%
vs NSW median-4.3 pp
Median rent+12.5%
stablevs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets0
Pharmacies0
GP / clinics0
Fuel stations1
Cafes & dining1
TransportGTFS
Bus stops23
Hospitals · Armidale Regional LGAAIHW
Public2
Private1
Armidale Hospitalpublic
Guyra Multi Purpose Servicepublic
Armidale Private Hospitalprivate
Aged care · Armidale Regional LGAGEN
Facilities6
Residential places291
Bupa Armidale66 places
Uniting Autumn Lodge Butler Street64 places
RFBI Armidale Masonic Village62 places
Uniting Autumn Lodge Glass Street50 places
Kolora Aged Care32 places
Guyra Multi-Purpose Service17 places
Childcare · Armidale Regional LGAACECQA
Services23
Approved places1,142
Exceeding NQS6
Wholechild Early Learning Armidale128 places
LITTLE SAPLINGS EEC ARMIDALE PTY LTD113 places
Milestones Early Learning Armidale90 places
Minimbah Preschool and Primary School Aboriginal Corporation75 places
TG's Child Care - Armidale75 places
TG's Child Care - Kirkwood Street66 places
+17 more in Armidale Regional LGA
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Current status
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Sources & freshness
Strong evidence

Black Mountain 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 using a state market dataset when available.

Use current rent as a starting signal, not as a fixed underwriting truth.

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
NSW Fair Trading · 2026-06 · State market dataset
stable source · automated · every update · monthly
Available
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 · 23 matched stops/stations
medium stability · manual file · snapshot · mixed
Available
Population growth
ABS ERP · No linked annual population growth series
stable source · automated · every update · annual
Missing
Building approvals
ABS Building Approvals · No linked approvals series
stable source · automated · every update · monthly
Missing
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.

Black Mountain FAQ

Common questions
  1. What LGA is Black Mountain in?

    Black Mountain is in the Armidale Regional Local Government Area, NSW, postcode 2365. Council-level context for Armidale Regional LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Black Mountain?

    The current median house price in Black Mountain, NSW is $335K, 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 Black Mountain?

    The median weekly rent in Black Mountain is $380/wk, based on the current market rent dataset. The current rent signal is rent-led investor candidate.

  4. What does the rent signal say about Black Mountain?

    Rent-led investor candidate: Gross rent yield screens at about 5.9%. Use this as a suburb screening signal before comparing candidates or modelling a purchase; the matching rent ranking can provide broader market context.

  5. Is Black Mountain a good investment?

    QuickProperty's investment signals for Black Mountain show: High Yield, Below Median, Affordable. These are computed from price, rent, income, and population data — not an opaque score.

  6. Where does QuickProperty get its data for Black Mountain?

    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.

  7. How often is the Black Mountain 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.