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Suburb profile ·Mid-Coast LGA · NSW ·2425

Girvan NSW 2425

Girvan is in Mid-Coast LGA, NSW, postcode 2425, with population 210.

The read

Affordability-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.

$420/wk
Jun 2025 → Jun 2026 · 11 periods
NSW Fair Trading · postcode 2425 · Jun 2026 · sparse signal
$662
$420
Jun 2025Jun 2026
Why it fits

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
$550K
House median, latest period
49.4%YoY D3 vs AU
Median rent
$420/wk
Rent context available
≈D9 vs AU
Gross yield
4.0%
Below investor band
D10 vs AU
Population
99,448
99K via Mid-Coast LGA · SAL undercount
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
613
35 added 12mo · 4MW
Price cycleCorrecting
LowPeak

49.4% below peak · 115.7% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionCorrecting
Low · 2013Peak · 2022

49.4% below peak · 115.7% above its low

Price growth (compound)% per year
3-yr
-3.3%
5-yr
-1.2%
10-yr
+4.8%
Indicative cashflow-$227/wk (-$11,780/yr) · interest-only @ 6.4%, 80% LVR
Value vs advantage-12% 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).

Investor profile

Who invests in Girvan

Owner-occupied 91%Rented 9%
Investor activityATO
Negatively geared5.6%
62 of 135 landlords
Avg rental loss$6,617/yr
Landlords (rental income)135
Reported capital gains76
The read

Owner-occupier stronghold

84% of homes here are owner-occupied and 8% rented, with 6% of landlords negatively geared.

Why it fits

84% 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

49%
of household income to service a new loan
11.1 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $2,695/mo vs median rent $1,820/mo (+48% · +$202/wk)

If rates move

At 4.2%: $2,152/mo (-543) · at 6.2% (current): $2,695/mo · at 8.2%: $3,290/mo (+595)

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
8.3x
median home price as a multiple of annual household income
Moderate
Renting
33%
median weekly rent as a share of gross household income (the 30% rule)
Stretched

Owners with a mortgage repay a median of $2,165/mo, while renters pay about $1,820/mo — owning runs $345/mo higher on these medians.

Median price
$550K
Household income · yr
$66K
Median rent · wk
$420
Owner mortgage · mo
$2,165
Gross yield
4.0%

Household income

$66K household · yr-19.7% vs NSW suburb median
Personal
$31K
Family
$81K
Household
$66K
Household income distribution (ABS Census 2021 · weekly)36% could service the median house
Under $300
4
$300-649
15
$650-999
7
$1,000-1,499
15
$1,500-1,999
0
$2,000-2,999
13
$3,000-3,999
6
$4,000+
6

Serviceability line: a household needs about $2,073/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 58% of households here would spend more than 30% of income on rent (rent stress line: $1,400/wk income).

Housing stock and tenure

Tenure (73 households)
Owned outright
43%
Owned with mortgage
41%
Rented
8%
Dwelling structure23.5% of dwellings unoccupied on census night
Separate house
100%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 64% drive, 0% public transport, 0% walk or cycle, 18% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
3,966
4,023 per 100k
D6 vs AU

Crime

Rate · per 100k4,023
Total incidents3,966· April 2025 - March 2026
  • Assault1,18859%
  • Sexual Offences29115%
  • Robbery201%
  • Break And Enter50525%

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 84.3% 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 ~84.3%
~84.3% of the suburb is Bush Fire Prone Land · ~66.9% 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 78% Public / Open space 23%

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

5,284 people · 20225,903 by 2032 (+11.7%)

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

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

Located in New South Wales within the Mid-Coast local government area, Girvan is a sparsely populated locality (postcode 2425). It is home to about 210 residents, with a mature demographic and a median age of 50. Households earn a median income of $66K per year, with an average household size of 2.3 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +0.7% 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 labourers, community & personal service, clerical & administrative. Employment in the area leans toward agriculture and construction. The top ancestries reported are Australian, English, Scottish.

Girvan has a median house price of $550,000, which has declined steeply by 49.4% year-on-year. The current median weekly rent is $420. This gives a gross rental yield of approximately 4.0%. The median monthly mortgage repayment is $2,165.

Public transport access includes 13 bus stops. The crime rate in the Mid-Coast LGA is moderate at 4,023 incidents per 100,000 population.

On the investment side, Girvan shows a gross rental yield of approximately 4.0%, rated as moderate yield. Property prices sit below the state median ($550K/$1.5M), which can point to relative value. The price-to-income ratio of 8.3x is considered moderate. House prices have moved -49.4% year-on-year. Population growth of +0.7% 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 Yield4.0%· Moderate Yield
Price vs State$550K/$1.5M Below Median
Affordability8.3x· Moderate
Price Momentum-49.4% Falling
Pop. Growth+0.7%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$2,165
Rent · wk(Census)$100
Market rent · wk(2026-06)$420
Gross yield0.9%
Price / income8.3x
Population growth · Mid-Coast LGAABS ERP
Population (2025)99,448
5-year growth+0.8% CAGR
YoY change+0.7%
20012025
Development · Mid-Coast LGAABS Approvals
Approvals (2026)483
Houses 87%Units 13%
YoY change+0%
Employment · Mid-Coast LGASALM
Unemployment (Dec-25)4.7%
YoY change+0.8pp
Dec-10Dec-25
Property investors · Postcode 2425ATO
Negatively geared5.6%
62 of filers
Avg rental loss$6,617/yr
Landlords (rental income)135
Reported capital gains76
People & prosperity
DemographicsCensus 21
Population210
Median age50
Household size2.3
HH income · wk$1,271
Personal income · wk$591
Persons / bedroom0.9
SEIFA indexABS
Advantage (IRSAD)2/10
Education (IEO)2/10
Economic (IER)4/10
Disadvantage (IRSD)2/10
Income momentumCensus 16→21
HH income · wk$1,075 → $1,271
Change+18.2%
vs NSW median-2.4 pp
Median rent-52.4%
stablevs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops13
Hospitals · Mid-Coast LGAAIHW
Public4
Private2
Bulahdelah Hospitalpublic
Gloucester Soldiers' Memorial Hospitalpublic
Manning Hospitalpublic
Wingham Hospitalpublic
Forster Private Hospitalprivate
Mayo Private Hospitalprivate
Aged care · Mid-Coast LGAGEN
Facilities17
Residential places1,585
BaptistCare Kularoo Centre160 places
Glaica House146 places
Estia Health Tuncurry124 places
Estia Health Taree121 places
Anglican Care Storm Village117 places
Estia Health Tea Gardens106 places
+11 more in Mid-Coast LGA
Childcare · Mid-Coast LGAACECQA
Services67
Approved places3,690
Exceeding NQS18
Active OOSH Forster185 places
Active OOSH Taree127 places
Old Bar Little Learners126 places
Active OOSH Old Bar112 places
Faith Family Early Learning Taree103 places
Active OOSH Wingham100 places
+61 more in Mid-Coast LGA
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Current status
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Sources & freshness
Strong evidence

Girvan 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 · 2023 · 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 · 13 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.

Girvan FAQ

Common questions
  1. What LGA is Girvan in?

    Girvan is in the Mid-Coast Local Government Area, NSW, postcode 2425. Council-level context for Mid-Coast LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Girvan?

    The current median house price in Girvan, NSW is $550K, 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 Girvan?

    The median weekly rent in Girvan is $420/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Girvan?

    Rent context available: Girvan 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 Girvan a good investment?

    QuickProperty's investment signals for Girvan 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 Girvan?

    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 Girvan 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.