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Suburb profile ·Cootamundra-Gundagai Regional LGA · NSW ·2590

Cootamundra NSW 2590

Cootamundra is in Cootamundra-Gundagai Regional LGA, NSW, postcode 2590, with population 6,885.

The read

Growth-momentum

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.

$400/wk
Falling
-6.4% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2590 · Jun 2026
$600
$325
Jun 2025Jun 2026
Why it fits

Entry price sits in the lower-cost range for a first-pass screen. Recent price movement shows visible market momentum. School coverage gives the page a stronger family/livability signal.

Median house
$530K
House median, latest period
19.1%YoY D2 vs AU
Median rent
$400/wk
Income-stretched rent market
6.4%YoY D9 vs AU
Gross yield
3.9%
Below investor band
D10 vs AU
Population
6,885
7K local footprint
D10 vs AU
Schools
5
Matched school context
D10 vs AU
Drive to city
4h 52m
394.1 km to Sydney CBD · free-flow
Solar
1,706
86 added 12mo · 11MW
Price cycleAt its peak
LowPeak

At / near its all-time high

See trend depth →

Price history

Houses to Q2'26 · Units to Q2'24 — house and unit medians are released on separate cycles, so their latest period can differ.

Trend & investor depth

Cycle positionAt its peak
Low · 2008Peak · 2026

At / near its all-time high

Price growth (compound)% per year
3-yr
+8.5%
5-yr
+9.3%
10-yr
+9.2%
Affordability trajectoryWorsening
Price
+12.6%/yr
Income
+3.3%/yr

Growth in median price vs median household income — worsening — prices outgrowing incomes.

Indicative cashflow-$222/wk (-$11,536/yr) · interest-only @ 6.4%, 80% LVR
Market turnover4.7% of homes traded/yr (147 sales · +14% vs 3-yr avg)
Rent stabilityvolatile — rents vary ±15.3% around trend (short window, 13 pts)
Value vs advantage-15% vs suburbs of similar SEIFA advantage (decile 2)

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).

Investment grade

Bgrade · 73/100 · top 27% of 3,604AU suburbs
Peer distributionstronger than 73% of AU suburbs
WeakerTypicalStronger
Capital growth52
Rental yield77
Stability54
Volatility-9.6ppCycle-2.0Affordability-1.5

Bar = this suburb's percentile · tick = typical (median) peer · stability drivers signed (+ = steadier)

Relative grade across Australian suburbs, combining qp's capital-growth (multi-year CAGR + cycle timing), rental-yield, and stability (price volatility + cycle + affordability) metrics via a three-pillar property-scoring method with an imbalance penalty. Within-Australia relative, indicative only — not financial advice.

Investor profile

Who invests in Cootamundra

Owner-occupied 75%Rented 25%
Investor activityATO
Negatively geared4.3%
163 of 477 landlords
Avg rental loss$7,542/yr
Landlords (rental income)477
Reported capital gains325
Investor exposure index(moderate vs national)56.6/100
The read

Owner-occupier stronghold

72% of homes here are owner-occupied and 23% rented, with 4% of landlords negatively geared.

Why it fits

72% 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

58%
of household income to service a new loan
13.1 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $2,597/mo vs median rent $1,733/mo (+50% · +$199/wk)

If rates move

At 4.2%: $2,073/mo (-523) · at 6.2% (current): $2,597/mo · at 8.2%: $3,170/mo (+574)

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
9.8x
median home price as a multiple of annual household income
Moderate
Renting
39%
median weekly rent as a share of gross household income (the 30% rule)
Stretched

Owners with a mortgage repay a median of $1,149/mo, while renters pay about $1,733/mo — renting runs $584/mo higher on these medians.

Median price
$530K
Household income · yr
$54K
Median rent · wk
$400
Owner mortgage · mo
$1,149
Gross yield
3.9%

Household income

$54K household · yr-34.5% vs NSW suburb median
Personal
$31K
Family
$74K
Household
$54K
Household income distribution (ABS Census 2021 · weekly)25% could service the median house
Under $300
140
$300-649
593
$650-999
552
$1,000-1,499
444
$1,500-1,999
264
$2,000-2,999
365
$3,000-3,999
156
$4,000+
131

Serviceability line: a household needs about $1,998/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 60% of households here would spend more than 30% of income on rent (rent stress line: $1,333/wk income).

Median taxable income trend (ATO, 2018-19 – 2022-23)$43K → $49K

Housing stock and tenure

Tenure (2,852 households)5.3% social housing
Owned outright
47%
Owned with mortgage
24%
Rented
23%
Dwelling structure10.5% of dwellings unoccupied on census night
Separate house
91%
Townhouse / semi
7%
Flat / apartment
1%

Getting to work: 82% drive, 1% public transport, 6% walk or cycle, 9% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total5
Avg ICSEA924
Students895
Catholic1
Government3
Independent1
  • Cootamundra Public SchoolPrimary · Government · ICSEA 943
  • E A Southee Public SchoolPrimary · Government · ICSEA 840
  • Cootamundra High SchoolSecondary · Government · ICSEA 902
  • Sacred Heart Central SchoolCombined · Catholic · ICSEA 994
  • Elouera Special SchoolSpecial · Independent · ICSEA 943

Livability

96/ 100 livability index

Top 4% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 96% of Australian suburbs
WeakerTypicalStronger
Everyday access87
Public transport (194 stops)99
Schools & hospitals92

Bar = this suburb's percentile · tick = typical (median) peer

Suburb-level access-density index (not an address-level walk-time score), normalised within Australian suburbs. Method based on the Urban Liveability Index (Higgs et al. 2019) and Walk Score — three equal-weighted domains combined with an imbalance penalty.

Development screen

Could a secondary dwelling be worth investigating?

secondary dwelling / granny flat screening context Medium broad constraint context

Policy position

Official policy reviewed

Permitted in residential zones under the Housing SEPP; may be approved by consent or as complying development when Housing SEPP and Codes SEPP standards are met.

Rental use: Secondary dwelling rental use is allowed as a dwelling use, subject to planning and tenancy rules.

Open official policy source

Separate houses

81.9%

Suburb share of occupied private dwellings recorded as separate houses.

Near the state median

State median 77.5% · 1,253 valid suburbs

Residential-zone context

1.2%

Broad suburb sampling only; the property zoning and overlays can differ.

41.1 pp below the state median

State median 42.3% · 1,245 valid suburbs

Rental households

23.3%

Demand context only; it does not establish permission to rent a secondary dwelling.

Near the state median

State median 25.9% · 1,253 valid suburbs

Mapped hazards

bushfire moderate

The staged suburb layer indicates a broad-area constraint that needs address-level checking. No broad-area layer staged for this suburb.

Approval pathway

Four checks, each with a different evidence threshold.

This is an investigation sequence, not a guarantee that every step applies or that approval will be granted.

  1. 01 Source reviewed

    State policy position

    QuickProperty reviewed the official secondary dwelling / granny flat policy source.

  2. 02 Property dependent

    Planning pathway

    Test consent or complying-development eligibility, including the 450 m² lot marker and all other standards.

  3. 03 Design dependent

    Building approval

    Confirm the building approval route after the design, site classifications, services and construction requirements are known.

  4. 04 Check separately

    Intended use

    Confirm long-term rental, short-stay or family-use rules separately from permission to construct the dwelling.

Property due diligence

Turn the suburb screen into a property checklist.

Every check starts unconfirmed. Progress stays in this browser and suburb evidence never clears an address-level requirement.

0evidence acquired
0evidence missing
0reviews due
0consultant questions

Active record: Cootamundra unnamed property

0/14checked
0issues found

Site controls

Lot area and dimensions

Confirm title dimensions, usable site area and any minimum lot threshold.

Status for Lot area and dimensions
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Setbacks and site coverage

Test setbacks, private open space, landscaping and maximum site coverage against a concept plan.

Status for Setbacks and site coverage
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Slope and ground conditions

Check survey levels, soil classification, retaining needs and likely earthworks.

Status for Slope and ground conditions
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Title and planning

Zoning and overlays

Obtain current property-level zoning, overlays and applicable planning controls.

Status for Zoning and overlays
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Title, easements and covenants

Review the title for easements, covenants, restrictions and common property.

Status for Title, easements and covenants
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Services and access

Sewer and stormwater

Locate assets and connection points, then confirm capacity, clearances and discharge requirements.

Status for Sewer and stormwater
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Power, water and metering

Confirm service routes, upgrade needs and whether separate metering is permitted or practical.

Status for Power, water and metering
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Vehicle access and parking

Test driveway width, gradients, turning, parking and emergency access requirements.

Status for Vehicle access and parking
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Construction constraints

Bushfire exposure

Order an address-level bushfire assessment and determine any BAL construction response.

Status for Bushfire exposure
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Flood and overland flow

Obtain property flood information and check floor levels, flow paths and drainage constraints.

Status for Flood and overland flow
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Wind, corrosion and termite

Confirm site classifications that affect structural design, materials and durability.

Status for Wind, corrosion and termite
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Approval and use

Planning approval pathway

Confirm exemption, complying pathway or permit requirements with the responsible authority.

Status for Planning approval pathway
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Building approval and consultants

Identify required survey, design, engineering, energy, certification and inspection evidence.

Status for Building approval and consultants
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Rental and intended use

Confirm occupation, rental, short-stay and family-use rules plus insurance and tax implications.

Status for Rental and intended use
Evidence packMissing

Metadata only. QuickProperty does not store or upload the underlying document.

Cootamundra, NSW 2590 · Local browser record

Investigation aid only. Confirm current planning, building, title, service and hazard requirements with qualified professionals and responsible authorities.

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 16.1% 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 ~16.1%
~16.1% of the suburb is Bush Fire Prone Land · ~10.6% 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 89% Public / Open space 8% Residential 1% Other 1%
Residential density: Standard

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

7,718 people · 20227,979 by 2032 (+3.4%)

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

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

Cootamundra (postcode 2590) is a moderately sized suburb in New South Wales within the Cootamundra-Gundagai Regional local government area. The area has roughly 6,885 residents and a mature demographic, with a median age of 51. Households earn a median income of $54K per year, with an average household size of 2.2 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 professionals, community & personal service, technicians & trades. Employment in the area leans toward healthcare and retail trade. The top ancestries reported are English, Australian, Irish.

The median house price in Cootamundra is $530,000, having surged by 19.1% over the past year. Units have a median price of $385,000 (+21.1% YoY). The current median weekly rent is $400. This gives a gross rental yield of approximately 3.9%. The median monthly mortgage repayment is $1,149.

Cootamundra is served by 5 schools, including 2 primary, 1 secondary, 1 combined, 1 special. The average ICSEA score is 924, which is below the national average of 1,000. Public transport access includes 1 rail station, 193 bus stops. Healthcare facilities include 1 public hospital.

Looking at the investment signals, Gross rental yield sits at around 3.9% (moderate yield). Property prices sit below the state median ($530K/$1.5M), which can point to relative value. The price-to-income ratio of 9.8x is considered moderate. House prices have moved +19.1% year-on-year.

Market & money
Investment signalsHeuristics
Rental Yield3.9%· Moderate Yield
Price vs State$530K/$1.5M Below Median
Affordability9.8x· Moderate
Price Momentum+19.1% Rising
InvestmentNSW
Mortgage · mth$1,149
Rent · wk(Census)$220
Market rent · wk(2026-06)$400
Gross yield2.2%
Price / income9.8x
Sales vol (latest Q)(2026-Q2)20
Property investors · Postcode 2590ATO
Negatively geared4.3%
163 of filers
Avg rental loss$7,542/yr
Landlords (rental income)477
Reported capital gains325
People & prosperity
DemographicsCensus 21
Population6,885
Median age51
Household size2.2
HH income · wk$1,037
Personal income · wk$587
Persons / bedroom0.7
IncomeATO 22-23
Median income$48,903
Mean income$60,047
Earners4,385
YoY change+1.9%
SEIFA indexABS
Advantage (IRSAD)2/10
Education (IEO)2/10
Economic (IER)2/10
Disadvantage (IRSD)2/10
Income momentumCensus 16→21
HH income · wk$910 → $1,037
Change+14%
vs NSW median-6.6 pp
Median rent+12.8%
softeningvs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets2
Pharmacies3
GP / clinics3
Fuel stations5
Cafes & dining12
iga1
woolworths1
TransportGTFS
Rail stations1
Bus stops193
Cootamundra Station, Coach Bay 2
Hospitals · Cootamundra-Gundagai Regional LGAAIHW
Public2
Private0
Cootamundra Hospitalpublic · in suburb
Gundagai Hospitalpublic
Aged care · Cootamundra-Gundagai Regional LGAGEN
Facilities4
Residential places154
Adina Care Cootamundra62 places · in suburb
Southern Cross Care Cootamundra Residential Aged Care55 places · in suburb
Uralba Hostel19 places
Gundagai Multi-Purpose Service18 places
Childcare · Cootamundra-Gundagai Regional LGAACECQA
Services9
Approved places407
Exceeding NQS1
Thrive OSHC Gundagai91 places
Gumnut Child Care Centre (Gundagai)60 places
Cootamundra Early Learning Centre50 places · in suburb
Milestones Early Learning Cootamundra50 places · in suburb
Creekside Kids Early Learning Centre48 places · in suburb
Cootamundra Preschool Incorporated44 places · in suburb
+3 more in Cootamundra-Gundagai Regional LGA
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Current status
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Sources & freshness
Strong evidence

Cootamundra 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 · 2026-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 · No linked local crime series
medium stability · automated · every update · release-based
Missing
Schools
ACARA 2025 · 5 schools matched
stable source · automated · every update · annual
Available
Hospitals
AIHW · 1 hospitals matched
medium stability · manual file · snapshot · mixed
Available
Transport
GTFS feeds · 194 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.

Cootamundra FAQ

Common questions
  1. What LGA is Cootamundra in?

    Cootamundra is in the Cootamundra-Gundagai Regional Local Government Area, NSW, postcode 2590. Council-level context for Cootamundra-Gundagai Regional LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Cootamundra?

    The current median house price in Cootamundra, NSW is $530K, 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 Cootamundra?

    The median weekly rent in Cootamundra is $400/wk, based on the current market rent dataset. The current rent signal is income-stretched rent market.

  4. What does the rent signal say about Cootamundra?

    Income-stretched rent market: Weekly rent screens at about 43% of annual income. 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 Cootamundra a good investment?

    QuickProperty's investment signals for Cootamundra show: Moderate 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 Cootamundra?

    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 Cootamundra 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.