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Suburb profile ·Mid-Western Regional LGA · NSW ·2848

Charbon NSW 2848

Charbon is in Mid-Western Regional LGA, NSW, postcode 2848, with population 91.

Limited data

Thin-context

The page is still useful for local context, but the evidence stack is too thin for a clean one-page call. Use nearby stronger suburbs or compare mode before treating it as a serious shortlist decision.

$435/wk
Rising
+16.0% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2848 · Jun 2026
$475
$250
Jun 2025Jun 2026
Why it fits

Gross yield screens at about 32.8%. Entry price sits in the lower-cost range for a first-pass screen. Transport coverage adds a practical access signal.

What to check

The page is thin enough that nearby alternatives should be checked before shortlisting. Small local population makes the signal set more fragile.

Median house
$69K
House median, latest period
46.9%YoY D1 vs AU
Median rent
$435/wk
Rent-led investor candidate
16.0%YoY D9 vs AU
Gross yield
Need rent + price
Population
91
91 local footprint
D4 vs AU
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
279
16 added 12mo · 2MW
Price cycleNear its low
LowPeak

57.9% below peak · 0.0% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionNear its low
Low · 2025Peak · 2015

57.9% below peak · 0.0% above its low

Price growth (compound)% per year
3-yr
-19.0%
5-yr
-3.7%
Indicative cashflow$258/wk ($13,432/yr) · interest-only @ 6.4%, 80% LVR
Value vs advantage-88% vs suburbs of similar SEIFA advantage (decile 1)

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 Charbon

Owner-occupied 63%Rented 37%
Investor activityATO
Negatively geared1.8%
11 of 50 landlords
Avg rental loss$4,698/yr
Landlords (rental income)50
Reported capital gains38
The read

Owner-occupier stronghold

71% of homes here are owner-occupied and 42% rented, with 2% of landlords negatively geared.

Why it fits

71% 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

10%
of household income to service a new loan
2.4 yrs
to save a 20% deposit
Comfortable
housing-stress band
Rent vs buyBuying cheaper

New-loan repayment $338/mo vs median rent $1,885/mo (-82% · -$357/wk)

If rates move

At 4.2%: $270/mo (-68) · at 6.2% (current): $338/mo · at 8.2%: $413/mo (+75)

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

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
1.8x
median home price as a multiple of annual household income
Affordable
Renting
58%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $737/mo, while renters pay about $1,885/mo — renting runs $1,148/mo higher on these medians.

Median price
$69K
Household income · yr
$39K
Median rent · wk
$435
Owner mortgage · mo
$737

Household income

$39K household · yr-52.9% vs NSW suburb median
Personal
$20K
Family
$47K
Household
$39K
Household income distribution (ABS Census 2021 · weekly)100% could service the median house
Under $300
0
$300-649
19
$650-999
9
$1,000-1,499
0
$1,500-1,999
0
$2,000-2,999
4
$3,000-3,999
0
$4,000+
0

Serviceability line: a household needs about $260/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 88% of households here would spend more than 30% of income on rent (rent stress line: $1,450/wk income).

Housing stock and tenure

Tenure (41 households)
Owned outright
37%
Owned with mortgage
34%
Rented
42%
Dwelling structure28.6% of dwellings unoccupied on census night
Separate house
100%
Townhouse / semi
0%
Flat / apartment
0%
Crime April 2025 - March 2026
890
3,395 per 100k
D5 vs AU

Crime

Rate · per 100k3,395
Total incidents890· April 2025 - March 2026
  • Assault26957%
  • Sexual Offences11925%
  • Robbery31%
  • Break And Enter7917%

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

Severe broad-area context

About 88.8% 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

Severe exposure ~88.8%
~88.8% of the suburb is Bush Fire Prone Land · ~42.6% 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 95% Other 3%

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

3,366 people · 20223,331 by 2032 (-1.0%)

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

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

Charbon is a small, quiet locality in New South Wales within the Mid-Western Regional local government area (postcode 2848). It is home to about 91 residents, with an older-leaning population and a median age of 50. Households earn a median income of $39K per year, with an average household size of 1.8 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 technicians & trades, community & personal service, clerical & administrative. Employment in the area leans toward education and mining. The top ancestries reported are Australian, English, Aboriginal Australian.

Median house prices in Charbon stand at $69,000, having declined steeply by 46.9% over the last twelve months. The current median weekly rent is $435. This gives a gross rental yield of approximately 32.8%. The median monthly mortgage repayment is $737.

Public transport access includes 6 bus stops. The crime rate in the Mid-Western Regional LGA is below average at 3,395 incidents per 100,000 population.

From an investment perspective, Charbon shows a gross rental yield of approximately 32.8%, rated as high yield. Property prices sit below the state median ($69K/$1.5M), which can point to relative value. The price-to-income ratio of 1.8x is considered affordable. House prices have moved -46.9% year-on-year.

Market & money
Investment signalsHeuristics
Rental Yield32.8% High Yield
Price vs State$69K/$1.5M Below Median
Affordability1.8x Affordable
Price Momentum-46.9% Falling
InvestmentNSW
Mortgage · mth$737
Rent · wk(Census)$200
Market rent · wk(2026-06)$435
Gross yield15.1%
Price / income1.8x
Sales vol (latest Q)(2023-Q2)5
Property investors · Postcode 2848ATO
Negatively geared1.8%
11 of filers
Avg rental loss$4,698/yr
Landlords (rental income)50
Reported capital gains38
People & prosperity
DemographicsCensus 21
Population91
Median age50
Household size1.8
HH income · wk$746
Personal income · wk$384
Persons / bedroom0.6
SEIFA indexABS
Advantage (IRSAD)1/10
Education (IEO)3/10
Economic (IER)2/10
Disadvantage (IRSD)1/10
Income momentumCensus 16→21
HH income · wk$716 → $746
Change+4.2%
vs NSW median-16.4 pp
Median rent+33.3%
softeningvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops6
Hospitals · Mid-Western Regional LGAAIHW
Public3
Private0
Gulgong Multi Purpose Servicepublic
Mudgee Health Servicepublic
Rylstone Multi Purpose Servicepublic
Aged care · Mid-Western Regional LGAGEN
Facilities7
Residential places293
Kanandah Hostel96 places
Whiddon Mudgee Pioneer81 places
Mudgee Grove Care Community42 places
Wenonah Lodge25 places
Rylstone Multi-Purpose Service24 places
Ada Cottage19 places
+1 more in Mid-Western Regional LGA
Childcare · Mid-Western Regional LGAACECQA
Services17
Approved places974
Exceeding NQS2
Mudgee Little Learners155 places
Kiddie Academy Mudgee152 places
Squeakers Childcare Centre69 places
Milestones Early Learning Mudgee63 places
Mudgee Community Preschool Incorporated60 places
PCYC - Out of School Hours Cudgegong60 places
+11 more in Mid-Western Regional LGA
Shortlist workspace

Save suburbs here while you browse. Once the shortlist has two or more names, hand it straight into compare.

Current status
Add Charbon if it deserves a shortlist slot.

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EMPTY SET

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Sources & freshness
Usable evidence

Charbon is usable, but it still needs cross-checking.

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 · 2023-Q2 · 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 · No local school matches exposed
stable source · automated · every update · annual
Missing
Hospitals
AIHW · No linked local hospital coverage
medium stability · manual file · snapshot · mixed
Missing
Transport
GTFS feeds · 6 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.
Sparse locality note

This page stays indexable because Charbon is a real locality with enough context to be directionally useful. The tradeoff is that coverage is lighter than a stronger suburb profile, so the read should stay cautious.

WHY IT LOOKS LIGHTER
This is a real locality, but it has a very small Census footprint.

Small-population localities can still be worth checking, but rankings, comparisons, and broad suburb assumptions become noisier faster.

WHAT IS MISSING
Coverage is lighter across school matches, hospital coverage, population trend data, and building approvals.

The lighter areas here are school matches, hospital coverage, population trend data, and building approvals, so a single-page read should carry less weight than usual.

BEST NEXT STEP
Use this page to understand the locality shape, then compare outward.

Use it for context first, then move to compare, the state hub, or a larger nearby suburb before calling it a full market decision.

Page status
INDEXED WITH LIGHTER COVERAGE

This page remains visible, but it should be read as a locality brief rather than a full-confidence suburb profile.

HOW TO READ THIS PAGE

Use this page to set direction, not to close a decision — frame the locality here, then confirm with compare, stronger nearby suburbs, and the state hub.

Stronger nearby reads

If Charbon feels too thin on its own, use these nearby suburbs as stronger local reads before making a shortlist decision.

Bungaba most similar
similar rent profile similar suburb scale

pop same · house +$586K · rent -$235/wk

Similar local read: useful for context, but still compare the actual market signals.

Cope most similar
similar rent profile similar suburb scale

pop same · house +$1106K · rent -$235/wk

Similar local read: useful for context, but still compare the actual market signals.

Turill most similar
similar rent profile similar suburb scale

pop same · house +$343.1K · rent -$172/wk

Similar local read: useful for context, but still compare the actual market signals.

Charbon FAQ

Common questions
  1. What LGA is Charbon in?

    Charbon is in the Mid-Western Regional Local Government Area, NSW, postcode 2848. Council-level context for Mid-Western Regional LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Charbon?

    The current median house price in Charbon, NSW is $69K, 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 Charbon?

    The median weekly rent in Charbon is $435/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 Charbon?

    Rent-led investor candidate: Gross rent yield screens at about 32.8%. 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 Charbon a good investment?

    QuickProperty's investment signals for Charbon 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 Charbon?

    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 Charbon 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.