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Suburb profile ·Port Stephens LGA · NSW ·2324

Osterley NSW 2324

Osterley is in Port Stephens LGA, NSW, postcode 2324, with population 132.

Limited data

Thin-context

The page is still useful for local context, but the evidence stack is too thin for a clean one-page call. Use nearby stronger suburbs or compare mode before treating it as a serious shortlist decision.

$600/wk
Rising
+7.1% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2324 · Jun 2026
$600
$550
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

The page is thin enough that nearby alternatives should be checked before shortlisting. Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$1.3M
House median, latest period
90.8%YoY D8 vs AU
Median rent
$600/wk
Rent context available
7.1%YoY D10 vs AU
Gross yield
2.5%
Low yield band
D8 vs AU
Population
80,070
80K via Port Stephens LGA · SAL undercount
Schools
1
Matched school context
D1 vs AU
Drive to city
Not in commute dataset
Solar
6,084
352 added 12mo · 38MW

Price history

Trend & investor depth

Indicative cashflow-$781/wk (-$40,600/yr) · interest-only @ 6.4%, 80% LVR
Rent stabilitystable — rents vary ±1.3% around trend (short window, 13 pts)
Value vs advantage-0% vs suburbs of similar SEIFA advantage (decile 8)

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 Osterley

Owner-occupied 88%Rented 12%
Investor activityATO
Negatively geared4%
566 of 1,480 landlords
Avg rental loss$6,500/yr
Landlords (rental income)1,480
Reported capital gains990
The read

Owner-occupier stronghold

103% of homes here are owner-occupied and 14% rented, with 4% of landlords negatively geared.

Why it fits

103% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 2.5% 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

55%
of household income to service a new loan
12.5 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $6,125/mo vs median rent $2,600/mo (+136% · +$813/wk)

If rates move

At 4.2%: $4,890/mo (-1,235) · at 6.2% (current): $6,125/mo · at 8.2%: $7,478/mo (+1,353)

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

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
9.4x
median home price as a multiple of annual household income
Moderate
Renting
23%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $2,015/mo, while renters pay about $2,600/mo — renting runs $585/mo higher on these medians.

Median price
$1.25M
Household income · yr
$133K
Median rent · wk
$600
Owner mortgage · mo
$2,015
Gross yield
2.5%

Household income

$133K household · yr+61.8% vs NSW suburb median
Personal
$49K
Family
$133K
Household
$133K
Household income distribution (ABS Census 2021 · weekly)fewer than 15% could service the median house
Under $300
0
$300-649
0
$650-999
9
$1,000-1,499
3
$1,500-1,999
3
$2,000-2,999
9
$3,000-3,999
9
$4,000+
6

Serviceability line: a household needs about $4,711/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 38% of households here would spend more than 30% of income on rent (rent stress line: $2,000/wk income).

Housing stock and tenure

Tenure (37 households)
Owned outright
43%
Owned with mortgage
60%
Rented
14%
Dwelling structure
Separate house
100%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 73% drive, 0% public transport, 6% walk or cycle, 23% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total1
Avg ICSEA888
Students38
Government1
  • Mount Kanwary Public SchoolPrimary · Government · ICSEA 888
Crime April 2025 - March 2026
2,566
3,252 per 100k
D5 vs AU

Crime

Rate · per 100k3,252
Total incidents2,566· April 2025 - March 2026
  • Assault82165%
  • Sexual Offences24319%
  • Robbery111%
  • Break And Enter19215%

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 97.7% 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 ~97.7%
~97.7% of the suburb is Bush Fire Prone Land · ~1.5% 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 95% Public / Open space 5%

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

5,743 people · 20225,955 by 2032 (+3.7%)

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

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

Osterley is a sparsely populated locality in New South Wales within the Port Stephens local government area (postcode 2324). It is home to about 132 residents, with an older-leaning population and a median age of 47. Households earn a median income of $133K per year, with an average household size of 3.2 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +1.3% 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 clerical & administrative, sales, community & personal service. Employment in the area leans toward construction and healthcare. The top ancestries reported are Australian, English, Irish.

Osterley has a median house price of $1.3 million, which has risen steeply by 90.8% year-on-year. The current median weekly rent is $600. This gives a gross rental yield of approximately 2.5%. The median monthly mortgage repayment is $2,015.

Osterley is served by 1 school, including 1 primary. The average ICSEA score is 888, which is well below the national average of 1,000. Public transport access includes 2 bus stops. The crime rate in the Port Stephens LGA is below average at 3,252 incidents per 100,000 population.

Looking at the investment signals, Gross rental yield sits at around 2.5% (low yield). Property prices are near the state median ($1.3M/$1.5M). The price-to-income ratio of 9.4x is considered moderate. House prices have moved +90.8% year-on-year. Population growth of +1.3% 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 Yield2.5% Low Yield
Price vs State$1.3M/$1.5M· Near Median
Affordability9.4x· Moderate
Price Momentum+90.8% Rising
Pop. Growth+1.3%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$2,015
Rent · wk(Census)$400
Market rent · wk(2026-06)$600
Gross yield1.7%
Price / income9.4x
Population growth · Port Stephens LGAABS ERP
Population (2025)80,070
5-year growth+1.5% CAGR
YoY change+1.3%
20012025
Development · Port Stephens LGAABS Approvals
Approvals (2026)608
Houses 71%Units 29%
YoY change+0%
Employment · Port Stephens LGASALM
Unemployment (Dec-25)4.5%
YoY change-0.3pp
Dec-10Dec-25
Property investors · Postcode 2324ATO
Negatively geared4%
566 of filers
Avg rental loss$6,500/yr
Landlords (rental income)1,480
Reported capital gains990
People & prosperity
DemographicsCensus 21
Population132
Median age47
Household size3.2
HH income · wk$2,562
Personal income · wk$949
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)8/10
Education (IEO)5/10
Economic (IER)10/10
Disadvantage (IRSD)7/10
Income momentumCensus 16→21
HH income · wk$1,875 → $2,562
Change+36.6%
vs NSW median+16 pp
gentrifyingvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops2
Hospitals · Port Stephens LGAAIHW
Public1
Private0
Tomaree Community Hospitalpublic
Aged care · Port Stephens LGAGEN
Facilities5
Residential places482
Harbourside Residential Care151 places
Regis Port Stephens150 places
Raymond Terrace Gardens Care Community80 places
Uniting Salamander Bay60 places
Calvary Tanilba Shores Retirement Community41 places
Childcare · Port Stephens LGAACECQA
Services54
Approved places3,047
Exceeding NQS8
Little Beginnings at Medowie126 places
Busy Bees at Salt Ash120 places
St Nicholas Early Education Raymond Terrace110 places
The Learning Terrace Early Education, Care and Preschool109 places
Discover and Learn Academy104 places
Milestones Early Learning Fern Bay104 places
+48 more in Port Stephens LGA
Shortlist workspace

Save suburbs here while you browse. Once the shortlist has two or more names, hand it straight into compare.

Current status
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EMPTY SET

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Sources & freshness
Strong evidence

Osterley has 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 · 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 · 2 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.
Sparse locality note

This page stays indexable because Osterley is a real locality with enough context to be directionally useful. The tradeoff is that coverage is lighter than a stronger suburb profile, so the read should stay cautious.

WHY IT LOOKS LIGHTER
This is a real locality, but it has a very small Census footprint.

Small-population localities can still be worth checking, but rankings, comparisons, and broad suburb assumptions become noisier faster.

WHAT IS MISSING
Coverage is lighter across hospital coverage.

The main gaps on this page are hospital coverage. That narrows how much confidence you should place on a single-page read.

BEST NEXT STEP
Use this page to understand the locality shape, then compare outward.

Use it for context first, then move to compare, the state hub, or a larger nearby suburb before calling it a full market decision.

Page status
INDEXED WITH LIGHTER COVERAGE

This page remains visible, but it should be read as a locality brief rather than a full-confidence suburb profile.

HOW TO READ THIS PAGE

Use this page to set direction, not to close a decision — frame the locality here, then confirm with compare, stronger nearby suburbs, and the state hub.

Stronger nearby reads

If Osterley feels too thin on its own, use these nearby suburbs as stronger local reads before making a shortlist decision.

Ferodale most similar
similar price band similar rent profile similar suburb scale

pop same · house -$50K · rent -$200/wk

Similar local read: useful for context, but still compare the actual market signals.

Taylors Beach most similar
similar price band similar rent profile similar suburb scale

pop same · house -$490K · rent -$230/wk

Similar local read: useful for context, but still compare the actual market signals.

Fishermans Bay most similar
similar price band similar rent profile similar suburb scale

pop -100 · house -$300K · rent -$250/wk

Similar local read: useful for context, but still compare the actual market signals.

Osterley FAQ

Common questions
  1. What LGA is Osterley in?

    Osterley is in the Port Stephens Local Government Area, NSW, postcode 2324. Council-level context for Port Stephens LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Osterley?

    The current median house price in Osterley, NSW is $1.3M, 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 Osterley?

    The median weekly rent in Osterley is $600/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Osterley?

    Rent context available: Osterley 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 Osterley a good investment?

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

  6. Where does QuickProperty get its data for Osterley?

    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 Osterley 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.