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Suburb profile ·Tamworth Regional LGA · NSW ·2340

Daruka NSW 2340

Daruka is in Tamworth Regional LGA, NSW, postcode 2340, with population 770.

The read

Livability-led

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.

$500/wk
Rising
+7.8% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2340 · Jun 2026
$500
$450
Jun 2025Jun 2026
Why it fits

Transport coverage adds a practical access signal. Higher SEIFA context supports a stronger local-quality read.

What to check

Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$950K
House median, latest period
5.0%YoY D6 vs AU
Median rent
$500/wk
Rent context available
7.8%YoY D10 vs AU
Gross yield
2.7%
Low yield band
D8 vs AU
Population
770
770 local footprint
D8 vs AU
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
9,803
562 added 12mo · 71MW
Price cycleCorrecting
LowPeak

13.6% below peak · 130.6% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionCorrecting
Low · 2011Peak · 2023

13.6% below peak · 130.6% above its low

Price growth (compound)% per year
3-yr
+3.6%
5-yr
+9.1%
10-yr
+4.8%
Indicative cashflow-$560/wk (-$29,140/yr) · interest-only @ 6.4%, 80% LVR
Market turnover9.0% of homes traded/yr (24 sales)
Rent stabilitystable — rents vary ±2.3% around trend (short window, 13 pts)
Value vs advantage-40% 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).

Investment grade

Cgrade · 43/100 · top 57% of 3,604AU suburbs
Peer distributionstronger than 43% of AU suburbs
WeakerTypicalStronger
Capital growth40
Rental yield45
Stability52
Volatility-12.2ppCycle-1.0

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 Daruka

Owner-occupied 95%Rented 5%
Investor activityATO
Negatively geared4.3%
1,357 of 3,490 landlords
Avg rental loss$6,534/yr
Landlords (rental income)3,490
Reported capital gains2,241
Investor exposure index(low vs national)33.6/100
The read

Owner-occupier stronghold

92% of homes here are owner-occupied and 5% rented, with 4% of landlords negatively geared.

Why it fits

92% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 2.7% is thin — returns here lean on capital growth, not cash flow.

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

Mortgage affordability

46%
of household income to service a new loan
10.5 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $4,655/mo vs median rent $2,167/mo (+115% · +$574/wk)

If rates move

At 4.2%: $3,717/mo (-938) · at 6.2% (current): $4,655/mo · at 8.2%: $5,683/mo (+1,028)

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
7.9x
median home price as a multiple of annual household income
Moderate
Renting
21%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $2,167/mo, while renters pay about $2,167/mo — owning runs $0/mo higher on these medians.

Median price
$950K
Household income · yr
$121K
Median rent · wk
$500
Owner mortgage · mo
$2,167
Gross yield
2.7%

Household income

$121K household · yr+47% vs NSW suburb median
Personal
$51K
Family
$133K
Household
$121K
Household income distribution (ABS Census 2021 · weekly)24% could service the median house
Under $300
0
$300-649
15
$650-999
24
$1,000-1,499
35
$1,500-1,999
24
$2,000-2,999
52
$3,000-3,999
47
$4,000+
47

Serviceability line: a household needs about $3,581/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 34% of households here would spend more than 30% of income on rent (rent stress line: $1,667/wk income).

Housing stock and tenure

Tenure (264 households)
Owned outright
43%
Owned with mortgage
49%
Rented
5%
Dwelling structure3.3% of dwellings unoccupied on census night
Separate house
98%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 81% drive, 0% public transport, 0% walk or cycle, 17% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Livability

54/ 100 livability index

Top 46% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 54% of Australian suburbs
WeakerTypicalStronger
Everyday access0
Public transport (59 stops)88
Schools & hospitals0

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.

Crime April 2025 - March 2026
4,706
7,140 per 100k
D8 vs AU

Crime

Rate · per 100k7,140
Total incidents4,706· April 2025 - March 2026
  • Assault1,21556%
  • Sexual Offences28513%
  • Robbery221%
  • Break And Enter66630%

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 96.8% 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 ~96.8%
~96.8% of the suburb is Bush Fire Prone Land · ~45.7% 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 Large Lot Residential
Residential 47% Public / Open space 31% Rural / Green wedge 21%
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

19,360 people · 202220,797 by 2032 (+7.4%)

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

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

Located in New South Wales within the Tamworth Regional local government area, Daruka is a small locality (postcode 2340). With a population of 770, the suburb has a settled mid-life population with a median age of 44. Households earn a median income of $121K per year, with an average household size of 2.9 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, technicians & trades, clerical & administrative. Employment in the area leans toward healthcare and education. The top ancestries reported are Australian, English, Irish.

Daruka has a median house price of $950,000, which has fallen by 5% year-on-year. The current median weekly rent is $500. This gives a gross rental yield of approximately 2.7%. The median monthly mortgage repayment is $2,167.

Public transport access includes 59 bus stops. The crime rate in the Tamworth Regional LGA is moderate at 7,140 incidents per 100,000 population.

On the investment side, Gross rental yield sits at around 2.7% (low yield). Property prices sit below the state median ($950K/$1.5M), which can point to relative value. The price-to-income ratio of 7.9x is considered moderate. House prices have moved -5.0% year-on-year.

Market & money
Investment signalsHeuristics
Rental Yield2.7% Low Yield
Price vs State$950K/$1.5M Below Median
Affordability7.9x· Moderate
Price Momentum-5.0% Falling
InvestmentNSW
Mortgage · mth$2,167
Rent · wk(Census)$425
Market rent · wk(2026-06)$500
Gross yield2.3%
Price / income7.9x
Sales vol (latest Q)(2025-Q2)5
Property investors · Postcode 2340ATO
Negatively geared4.3%
1,357 of filers
Avg rental loss$6,534/yr
Landlords (rental income)3,490
Reported capital gains2,241
People & prosperity
DemographicsCensus 21
Population770
Median age44
Household size2.9
HH income · wk$2,327
Personal income · wk$976
Persons / bedroom0.7
SEIFA indexABS
Advantage (IRSAD)10/10
Education (IEO)7/10
Economic (IER)10/10
Disadvantage (IRSD)9/10
Income momentumCensus 16→21
HH income · wk$2,231 → $2,327
Change+4.3%
vs NSW median-16.3 pp
Median rent+14.9%
softeningvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops59
Hospitals · Tamworth Regional LGAAIHW
Public6
Private3
Barraba Multi Purpose Servicepublic
Manilla Hospitalpublic
Nepean Hospitalpublic
Tamworth Hospitalpublic
Tresillian Family Care Centre, Kingswoodpublic
Wentworth Psychiatric Servicespublic
+3 more in Tamworth Regional LGA
Aged care · Tamworth Regional LGAGEN
Facilities13
Residential places764
Tamworth Community Aged Care144 places
Bupa Tamworth106 places
Nazareth House Tamworth90 places
RFBI Moonbi Masonic Village - Jim Holm87 places
Heritage Kingswood77 places
RFBI Tamworth Masonic Village62 places
+7 more in Tamworth Regional LGA
Childcare · Tamworth Regional LGAACECQA
Services51
Approved places2,828
Exceeding NQS8
Bright Steps Academy Calala120 places
Poppins Bush School Pty Ltd118 places
South Year Round Care108 places
East Year Round Care105 places
Busy Bees at Tamworth102 places
Milestones Early Learning Centre90 places
+45 more in Tamworth Regional LGA
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Current status
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Sources & freshness
Usable evidence

Daruka works as a starting read but 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 · 2025-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 · 59 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.

Daruka FAQ

Common questions
  1. What LGA is Daruka in?

    Daruka is in the Tamworth Regional Local Government Area, NSW, postcode 2340. Council-level context for Tamworth Regional LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Daruka?

    The current median house price in Daruka, NSW is $950K, 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 Daruka?

    The median weekly rent in Daruka is $500/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Daruka?

    Rent context available: Daruka has usable rent context. 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 Daruka a good investment?

    QuickProperty's investment signals for Daruka show: Low 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 Daruka?

    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 Daruka 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.