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Suburb profile ·Lake Macquarie LGA · NSW ·2281

Nords Wharf NSW 2281

Nords Wharf is in Lake Macquarie LGA, NSW, postcode 2281, with population 895.

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.

$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

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

What to check

Small local population makes the signal set more fragile.

Median house
$945K
House median, latest period
1.3%YoY D6 vs AU
Median rent
$780/wk
Rent-pressure candidate
16.0%YoY D10 vs AU
Gross yield
4.3%
Moderate yield band
D10 vs AU
Population
895
895 local footprint
D8 vs AU
Schools
1
Matched school context
D1 vs AU
Drive to city
Not in commute dataset
Solar
3,114
213 added 12mo · 21MW
Price cycleCorrecting
LowPeak

14.1% below peak · 186.4% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionCorrecting
Low · 2009Peak · 2023

14.1% below peak · 186.4% above its low

Price growth (compound)% per year
3-yr
+1.0%
5-yr
+8.1%
10-yr
+4.7%
Indicative cashflow-$345/wk (-$17,964/yr) · interest-only @ 6.4%, 80% LVR
Market turnover9.0% of homes traded/yr (31 sales · +7% vs 3-yr avg)
Rent stabilityvolatile — rents vary ±7.2% around trend (short window, 13 pts)
Value vs advantage-15% vs suburbs of similar SEIFA advantage (decile 7)

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 · 62/100 · top 38% of 3,604AU suburbs
Peer distributionstronger than 62% of AU suburbs
WeakerTypicalStronger
Capital growth28
Rental yield84
Stability33
Volatility-15.0ppCycle-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 Nords Wharf

Owner-occupied 83%Rented 17%
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(moderate vs national)63.6/100
The read

Owner-occupier stronghold

83% of homes here are owner-occupied and 16% rented, with 7% of landlords negatively geared.

Why it fits

83% 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

64%
of household income to service a new loan
14.4 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $4,630/mo vs median rent $3,380/mo (+37% · +$289/wk)

If rates move

At 4.2%: $3,697/mo (-933) · at 6.2% (current): $4,630/mo · at 8.2%: $5,653/mo (+1,023)

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
10.8x
median home price as a multiple of annual household income
Stretched
Renting
46%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $2,000/mo, while renters pay about $3,380/mo — renting runs $1,380/mo higher on these medians.

Median price
$945K
Household income · yr
$87K
Median rent · wk
$780
Owner mortgage · mo
$2,000
Gross yield
4.3%

Household income

$87K household · yr+6.1% vs NSW suburb median
Personal
$39K
Family
$101K
Household
$87K
Household income distribution (ABS Census 2021 · weekly)13% could service the median house
Under $300
11
$300-649
33
$650-999
43
$1,000-1,499
62
$1,500-1,999
36
$2,000-2,999
62
$3,000-3,999
37
$4,000+
34

Serviceability line: a household needs about $3,562/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 71% of households here would spend more than 30% of income on rent (rent stress line: $2,600/wk income).

Housing stock and tenure

Tenure (341 households)
Owned outright
42%
Owned with mortgage
41%
Rented
16%
Dwelling structure15.4% of dwellings unoccupied on census night
Separate house
97%
Townhouse / semi
2%
Flat / apartment
1%

Getting to work: 68% drive, 0% public transport, 0% walk or cycle, 30% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total1
Avg ICSEA1023
Students180
Government1
  • Nords Wharf Public SchoolPrimary · Government · ICSEA 1023

Livability

29/ 100 livability index

Top 71% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 29% of Australian suburbs
WeakerTypicalStronger
Everyday access0
Public transport (12 stops)37
Schools & hospitals25

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 87.2% 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 ~87.2%
~87.2% of the suburb is Bush Fire Prone Land · ~73.6% 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 National Parks and Nature Reserves
Public / Open space 46% Other 32% Residential 18%
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

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
Nords Wharf NSW — Property Data and Demographics

Nords Wharf is a small locality in New South Wales within the Lake Macquarie local government area (postcode 2281). The area has roughly 895 residents and an established family demographic, with a median age of 44. Households earn a median income of $87K 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 +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, technicians & trades, managers. Employment in the area leans toward construction and healthcare. The top ancestries reported are English, Australian, Irish.

The median house price in Nords Wharf is $945,000, having softened modestly by 1.3% over the past year. The current median weekly rent is $780. This gives a gross rental yield of approximately 4.3%. The median monthly mortgage repayment is $2,000.

Nords Wharf is served by 1 school, including 1 primary. The average ICSEA score is 1023, which is around the national average of 1,000. Public transport access includes 3 ferry wharfves, 9 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, Nords Wharf shows a gross rental yield of approximately 4.3%, rated as moderate yield. Property prices sit below the state median ($945K/$1.5M), which can point to relative value. The price-to-income ratio of 10.8x is considered stretched. House prices have moved -1.3% 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 Yield4.3%· Moderate Yield
Price vs State$945K/$1.5M Below Median
Affordability10.8x Stretched
Price Momentum-1.3% Falling
Pop. Growth+1.1%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$2,000
Rent · wk(Census)$400
Market rent · wk(2026-06)$780
Gross yield2.2%
Price / income10.8x
Sales vol (latest Q)(2025-Q3)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
Population895
Median age44
Household size2.6
HH income · wk$1,679
Personal income · wk$752
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)7/10
Education (IEO)6/10
Economic (IER)7/10
Disadvantage (IRSD)7/10
Income momentumCensus 16→21
HH income · wk$1,485 → $1,679
Change+13.1%
vs NSW median-7.5 pp
Median rent+14.3%
softeningvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops9
Ferry wharves3
Nords Wharf Rd After Government Rd
Nords Wharf Rd Before Government Rd
Pacific Hwy At Nords 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

Nords Wharf 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-Q3 · 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 · 1 schools matched
stable source · automated · every update · annual
Available
Hospitals
AIHW · No linked local hospital coverage
medium stability · manual file · snapshot · mixed
Missing
Transport
GTFS feeds · 12 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.

Nords Wharf FAQ

Common questions
  1. What LGA is Nords Wharf in?

    Nords Wharf 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 Nords Wharf?

    The current median house price in Nords Wharf, NSW is $945K, 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 Nords Wharf?

    The median weekly rent in Nords Wharf 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 Nords Wharf?

    Rent-pressure candidate: Nords Wharf 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 Nords Wharf a good investment?

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

  6. Where does QuickProperty get its data for Nords Wharf?

    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 Nords Wharf 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.