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Suburb profile ·Lake Macquarie LGA · NSW ·2281

Murrays Beach NSW 2281

Murrays Beach is in Lake Macquarie LGA, NSW, postcode 2281, with population 882.

The read

Growth-momentum

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.

$780/wk
Rising
+16.0% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2281 · Jun 2026
$780
$585
Jun 2025Jun 2026
Why it fits

Recent price movement shows visible market momentum. Higher SEIFA context supports a stronger local-quality read.

What to check

Premium pricing raises the bar for yield, affordability, and downside checks. Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$1.5M
House median, latest period
26.7%YoY D9 vs AU
Median rent
$780/wk
Rent-pressure candidate
16.0%YoY D10 vs AU
Gross yield
2.7%
Low yield band
D8 vs AU
Population
882
882 local footprint
D8 vs AU
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
3,114
213 added 12mo · 21MW
Price cycleAt its peak
LowPeak

At / near its all-time high

See trend depth →

Price history

Trend & investor depth

Cycle positionAt its peak
Low · 2009Peak · 2026

At / near its all-time high

Price growth (compound)% per year
3-yr
+5.3%
5-yr
+15.6%
10-yr
+7.8%
Indicative cashflow-$912/wk (-$47,404/yr) · interest-only @ 6.4%, 80% LVR
Market turnover8.6% of homes traded/yr (27 sales · -20% vs 3-yr avg)
Rent stabilityvolatile — rents vary ±7.2% around trend (short window, 13 pts)
Value vs advantage-4% 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 growth65
Rental yield42
Stability14
Volatility-20.4ppCycle-2.0

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 Murrays Beach

Owner-occupied 91%Rented 9%
Investor activityATO
Negatively geared6.5%
565 of 1,320 landlords
Avg rental loss$8,397/yr
Landlords (rental income)1,320
Reported capital gains765
Investor exposure index(low vs national)44/100
The read

Owner-occupier stronghold

94% of homes here are owner-occupied and 9% rented, with 7% of landlords negatively geared.

Why it fits

94% 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

75%
of household income to service a new loan
16.9 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $7,448/mo vs median rent $3,380/mo (+120% · +$939/wk)

If rates move

At 4.2%: $5,946/mo (-1,501) · at 6.2% (current): $7,448/mo · at 8.2%: $9,093/mo (+1,645)

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
12.7x
median home price as a multiple of annual household income
Stretched
Renting
34%
median weekly rent as a share of gross household income (the 30% rule)
Stretched

Owners with a mortgage repay a median of $2,383/mo, while renters pay about $3,380/mo — renting runs $997/mo higher on these medians.

Median price
$1.52M
Household income · yr
$120K
Median rent · wk
$780
Owner mortgage · mo
$2,383
Gross yield
2.7%

Household income

$120K household · yr+45.5% vs NSW suburb median
Personal
$54K
Family
$129K
Household
$120K
Household income distribution (ABS Census 2021 · weekly)fewer than 24% could service the median house
Under $300
7
$300-649
19
$650-999
25
$1,000-1,499
40
$1,500-1,999
32
$2,000-2,999
52
$3,000-3,999
45
$4,000+
69

Serviceability line: a household needs about $5,729/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 54% of households here would spend more than 30% of income on rent (rent stress line: $2,600/wk income).

Housing stock and tenure

Tenure (309 households)
Owned outright
42%
Owned with mortgage
52%
Rented
9%
Dwelling structure5.7% of dwellings unoccupied on census night
Separate house
102%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 52% drive, 0% public transport, 0% walk or cycle, 49% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Livability

5/ 100 livability index

Top 95% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 5% of Australian suburbs
WeakerTypicalStronger
Everyday access19
Public transport (4 stops)21
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
7,548
3,402 per 100k
D5 vs AU

Crime

Rate · per 100k3,402
Total incidents7,548· April 2025 - March 2026
  • Assault1,88557%
  • Sexual Offences67821%
  • Robbery221%
  • Break And Enter70121%

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 91.9% 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 ~91.9%
~91.9% of the suburb is Bush Fire Prone Land · ~72.3% 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 General Residential
Residential 49% Public / Open space 39% Other 5%
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

12,689 people · 202214,446 by 2032 (+13.8%)

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

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

Murrays Beach (postcode 2281) is a close-knit residential community in New South Wales within the Lake Macquarie local government area. With a population of 882, the suburb has an established demographic with a median age of 44. Households earn a median income of $120K per year, with an average household size of 2.8 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +1.1% 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 professionals, clerical & administrative, managers. Employment in the area leans toward healthcare and education. The top ancestries reported are English, Australian, Irish.

Median house prices in Murrays Beach stand at $1.5 million, having risen steeply by 26.7% over the last twelve months. The current median weekly rent is $780. This gives a gross rental yield of approximately 2.7%. The median monthly mortgage repayment is $2,383.

Public transport access includes 1 ferry wharf, 3 bus stops. The crime rate in the Lake Macquarie LGA is below average at 3,402 incidents per 100,000 population.

Looking at the investment signals, Murrays Beach shows a gross rental yield of approximately 2.7%, rated as low yield. Property prices are near the state median ($1.5M/$1.5M). The price-to-income ratio of 12.7x is considered stretched. House prices have moved +26.7% year-on-year. Population growth of +1.1% 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 Yield2.7% Low Yield
Price vs State$1.5M/$1.5M· Near Median
Affordability12.7x Stretched
Price Momentum+26.7% Rising
Pop. Growth+1.1%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$2,383
Rent · wk(Census)$579
Market rent · wk(2026-06)$780
Gross yield2.0%
Price / income12.7x
Sales vol (latest Q)(2025-Q4)7
Population growth · Lake Macquarie LGAABS ERP
Population (2025)224,540
5-year growth+1.2% CAGR
YoY change+1.1%
20012025
Development · Lake Macquarie LGAABS Approvals
Approvals (2026)1,095
Houses 65%Units 35%
YoY change+0%
Employment · Lake Macquarie LGASALM
Unemployment (Dec-25)4.1%
YoY change+1.4pp
Dec-10Dec-25
Property investors · Postcode 2281ATO
Negatively geared6.5%
565 of filers
Avg rental loss$8,397/yr
Landlords (rental income)1,320
Reported capital gains765
People & prosperity
DemographicsCensus 21
Population882
Median age44
Household size2.8
HH income · wk$2,303
Personal income · wk$1,040
Persons / bedroom0.7
SEIFA indexABS
Advantage (IRSAD)10/10
Education (IEO)10/10
Economic (IER)10/10
Disadvantage (IRSD)10/10
Income momentumCensus 16→21
HH income · wk$2,070 → $2,303
Change+11.3%
vs NSW median-9.3 pp
Median rent+9.2%
softeningvs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets0
Pharmacies0
GP / clinics0
Fuel stations0
Cafes & dining1
TransportGTFS
Bus stops3
Ferry wharves1
Pacific Hwy At Cams Wharf Rd
Hospitals · Lake Macquarie LGAAIHW
Public3
Private6
Belmont Hospitalpublic
John Hunter Hospitalpublic
Morisset Hospitalpublic
Charlestown Private Hospitalprivate
Lake Macquarie Private Hospitalprivate
Newcastle Endoscopy Centreprivate
+3 more in Lake Macquarie LGA
Aged care · Lake Macquarie LGAGEN
Facilities25
Residential places2,405
Tingira Hills Care Community182 places
Whiddon Redhead180 places
Anglican Care Kilpatrick Court147 places
BaptistCare Bethshan Gardens Centre139 places
Anglican Care C A Brown128 places
Bolton Clarke Bayside (PKA - Bayside Residential Aged Care Facility)124 places
+19 more in Lake Macquarie LGA
Childcare · Lake Macquarie LGAACECQA
Services178
Approved places11,794
Exceeding NQS30
Eleebana And Community Outside School Hours Care195 places
Kinda Kapers Belmont North156 places
Cameron Park Early Learning Centre150 places
Community Kids Morisset Early Education Centre150 places
St Nicholas OOSH Kotara150 places
Active OOSH Cameron Park145 places
+172 more in Lake Macquarie LGA
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Current status
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Sources & freshness
Strong evidence

There is enough direct local evidence on Murrays Beach 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-Q4 · 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 · 4 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.

Murrays Beach FAQ

Common questions
  1. What LGA is Murrays Beach in?

    Murrays Beach is in the Lake Macquarie Local Government Area, NSW, postcode 2281. Council-level context for Lake Macquarie LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Murrays Beach?

    The current median house price in Murrays Beach, NSW is $1.5M, 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 Murrays Beach?

    The median weekly rent in Murrays Beach is $780/wk, based on the current market rent dataset. The current rent signal is rent-pressure candidate.

  4. What does the rent signal say about Murrays Beach?

    Rent-pressure candidate: Murrays Beach rents screen above the local benchmark. 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 Murrays Beach a good investment?

    QuickProperty's investment signals for Murrays Beach show: Low Yield, Near Median, Stretched. These are computed from price, rent, income, and population data — not an opaque score.

  6. Where does QuickProperty get its data for Murrays Beach?

    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 Murrays Beach 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.