Skip to content
Suburb profile ·Nambucca Valley LGA · NSW ·2447

Congarinni NSW 2447

Congarinni is in Nambucca Valley LGA, NSW, postcode 2447, with population 365.

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.

$560/wk
Rising
+10.9% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2447 · Jun 2026
$670
$450
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.

What to check

Small local population makes the signal set more fragile.

Median house
$495K
House median, latest period
53.4%YoY D2 vs AU
Median rent
$560/wk
Rent-led investor candidate
10.9%YoY D10 vs AU
Gross yield
5.9%
Strong yield band
D10 vs AU
Population
21,237
21K via Nambucca Valley LGA · SAL undercount
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
2,070
120 added 12mo · 13MW
Price cycleCorrecting
LowPeak

53.4% below peak · 65.0% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionCorrecting
Low · 2007Peak · 2024

53.4% below peak · 65.0% above its low

Price growth (compound)% per year
3-yr
-20.3%
5-yr
-4.4%
10-yr
+0.2%
Indicative cashflow-$67/wk (-$3,504/yr) · interest-only @ 6.4%, 80% LVR
Rent stabilityvolatile — rents vary ±10.6% around trend (short window, 13 pts)
Value vs advantage-44% vs suburbs of similar SEIFA advantage (decile 5)

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 Congarinni

Owner-occupied 96%Rented 4%
Investor activityATO
Negatively geared3.7%
162 of 545 landlords
Avg rental loss$5,525/yr
Landlords (rental income)545
Reported capital gains307
The read

Owner-occupier stronghold

91% of homes here are owner-occupied and 4% rented, with 4% of landlords negatively geared.

Why it fits

91% 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

50%
of household income to service a new loan
11.3 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRoughly even

New-loan repayment $2,425/mo vs median rent $2,427/mo (-0% · -$0/wk)

If rates move

At 4.2%: $1,937/mo (-489) · at 6.2% (current): $2,425/mo · at 8.2%: $2,961/mo (+536)

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
8.5x
median home price as a multiple of annual household income
Moderate
Renting
50%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $1,699/mo, while renters pay about $2,427/mo — renting runs $728/mo higher on these medians.

Median price
$495K
Household income · yr
$59K
Median rent · wk
$560
Owner mortgage · mo
$1,699
Gross yield
5.9%

Household income

$59K household · yr-28.9% vs NSW suburb median
Personal
$27K
Family
$76K
Household
$59K
Household income distribution (ABS Census 2021 · weekly)35% could service the median house
Under $300
9
$300-649
24
$650-999
28
$1,000-1,499
12
$1,500-1,999
6
$2,000-2,999
22
$3,000-3,999
7
$4,000+
9

Serviceability line: a household needs about $1,866/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 65% of households here would spend more than 30% of income on rent (rent stress line: $1,867/wk income).

Housing stock and tenure

Tenure (135 households)
Owned outright
61%
Owned with mortgage
30%
Rented
4%
Dwelling structure
Separate house
100%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 75% drive, 0% public transport, 5% walk or cycle, 20% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
893
4,255 per 100k
D6 vs AU

Crime

Rate · per 100k4,255
Total incidents893· April 2025 - March 2026
  • Assault24958%
  • Sexual Offences8319%
  • Robbery31%
  • Break And Enter9622%

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 55.4% 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 ~55.4%
~55.4% of the suburb is Bush Fire Prone Land · ~38.6% 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 Rural Landscape
Rural / Green wedge 90% Residential 9%
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

8,177 people · 20229,133 by 2032 (+11.7%)

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

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

Congarinni is a sparsely populated locality in New South Wales within the Nambucca Valley local government area (postcode 2447). It is home to about 365 residents, with an older-leaning population and a median age of 53. Households earn a median income of $59K per year, with an average household size of 2.6 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +0.9% 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 technicians & trades, managers, clerical & administrative. Employment in the area leans toward construction and healthcare. The top ancestries reported are English, Australian, Scottish.

The median house price in Congarinni is $495,000, having dropped significantly by 53.4% over the past year. The current median weekly rent is $560. This gives a gross rental yield of approximately 5.9%. The median monthly mortgage repayment is $1,699.

Public transport access includes 3 bus stops. The crime rate in the Nambucca Valley LGA is moderate at 4,255 incidents per 100,000 population.

Looking at the investment signals, Congarinni shows a gross rental yield of approximately 5.9%, rated as high yield. Property prices sit below the state median ($495K/$1.5M), which can point to relative value. The price-to-income ratio of 8.5x is considered moderate. House prices have moved -53.4% year-on-year. Population growth of +0.9% year-on-year points to stable demand fundamentals. Building approvals have changed +0% year-on-year, indicating steady development activity.

Market & money
Investment signalsHeuristics
Rental Yield5.9% High Yield
Price vs State$495K/$1.5M Below Median
Affordability8.5x· Moderate
Price Momentum-53.4% Falling
Pop. Growth+0.9%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,699
Rent · wk(Census)$325
Market rent · wk(2026-06)$560
Gross yield3.4%
Price / income8.5x
Population growth · Nambucca Valley LGAABS ERP
Population (2025)21,237
5-year growth+0.9% CAGR
YoY change+0.9%
20012025
Development · Nambucca Valley LGAABS Approvals
Approvals (2026)136
Houses 90%Units 10%
YoY change+0%
Employment · Nambucca Valley LGASALM
Unemployment (Dec-25)5.7%
YoY change+0.6pp
Dec-10Dec-25
Property investors · Postcode 2447ATO
Negatively geared3.7%
162 of filers
Avg rental loss$5,525/yr
Landlords (rental income)545
Reported capital gains307
People & prosperity
DemographicsCensus 21
Population365
Median age53
Household size2.6
HH income · wk$1,125
Personal income · wk$525
Persons / bedroom0.7
SEIFA indexABS
Advantage (IRSAD)5/10
Education (IEO)4/10
Economic (IER)6/10
Disadvantage (IRSD)5/10
Income momentumCensus 16→21
HH income · wk$1,140 → $1,125
Change-1.3%
vs NSW median-21.9 pp
Median rent+62.5%
softeningvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops3
Hospitals · Nambucca Valley LGAAIHW
Public1
Private0
Macksville District Hospitalpublic
Aged care · Nambucca Valley LGAGEN
Facilities3
Residential places278
Riverside Gardens Nursing Care Centre97 places
Autumn Lodge Hostel95 places
Uniting Pacifica Nambucca Heads86 places
Childcare · Nambucca Valley LGAACECQA
Services12
Approved places523
Exceeding NQS3
Nambucca Valley OOSH80 places
Active OOSH Macksville60 places
St Patrick's Outside School Hours Care59 places
Alphabet Long Day Care College56 places
Valla Community Preschool49 places
Bowraville Community Preschool40 places
+6 more in Nambucca Valley 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 Congarinni if it deserves a shortlist slot.

No saved AU suburbs yet.

EMPTY SET

No saved suburbs yet. Start with one ranking or suburb page, then compare once you have two candidates.

Open rankings to save the first candidates.

Sources & freshness
Strong evidence

Congarinni carries 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 · 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 · 3 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.

Congarinni FAQ

Common questions
  1. What LGA is Congarinni in?

    Congarinni is in the Nambucca Valley Local Government Area, NSW, postcode 2447. Council-level context for Nambucca Valley LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Congarinni?

    The current median house price in Congarinni, NSW is $495K, 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 Congarinni?

    The median weekly rent in Congarinni is $560/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 Congarinni?

    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 Congarinni a good investment?

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

  6. Where does QuickProperty get its data for Congarinni?

    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 Congarinni 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.