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Suburb profile ·Port Stephens LGA · NSW ·2318

Oyster Cove NSW 2318

Oyster Cove is in Port Stephens LGA, NSW, postcode 2318, with population 91.

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.

$700/wk
Rising
+6.1% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2318 · Jun 2026
$700
$625
Jun 2025Jun 2026
Why it fits

Gross yield screens at about 13.5%. Entry price sits in the lower-cost range for a first-pass screen.

What to check

The page is thin enough that nearby alternatives should be checked before shortlisting. Small local population makes the signal set more fragile.

Median house
$270K
House median, latest period
0.0%YoY D1 vs AU
Median rent
$700/wk
Rent-led investor candidate
6.1%YoY D10 vs AU
Gross yield
Need rent + price
Population
80,070
80K via Port Stephens LGA · SAL undercount
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
3,823
311 added 12mo · 26MW

Price history

Trend & investor depth

Indicative cashflow$259/wk ($13,476/yr) · interest-only @ 6.4%, 80% LVR
Rent stabilitystable — rents vary ±3.4% around trend (short window, 13 pts)
Value vs advantage-57% 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 Oyster Cove

Owner-occupied 85%Rented 15%
Investor activityATO
Negatively geared6.1%
514 of 1,148 landlords
Avg rental loss$7,192/yr
Landlords (rental income)1,148
Reported capital gains657
The read

Owner-occupier stronghold

76% of homes here are owner-occupied and 14% rented, with 6% of landlords negatively geared.

Why it fits

76% 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

26%
of household income to service a new loan
5.8 yrs
to save a 20% deposit
Comfortable
housing-stress band
Rent vs buyBuying cheaper

New-loan repayment $1,323/mo vs median rent $3,033/mo (-56% · -$395/wk)

If rates move

At 4.2%: $1,056/mo (-267) · at 6.2% (current): $1,323/mo · at 8.2%: $1,615/mo (+292)

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
4.4x
median home price as a multiple of annual household income
Affordable
Renting
59%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $1,600/mo, while renters pay about $3,033/mo — renting runs $1,433/mo higher on these medians.

Median price
$270K
Household income · yr
$62K
Median rent · wk
$700
Owner mortgage · mo
$1,600

Household income

$62K household · yr-25% vs NSW suburb median
Personal
$28K
Family
$84K
Household
$62K
Household income distribution (ABS Census 2021 · weekly)38% could service the median house
Under $300
0
$300-649
9
$650-999
12
$1,000-1,499
6
$1,500-1,999
0
$2,000-2,999
4
$3,000-3,999
0
$4,000+
3

Serviceability line: a household needs about $1,018/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 87% of households here would spend more than 30% of income on rent (rent stress line: $2,333/wk income).

Housing stock and tenure

Tenure (37 households)
Owned outright
51%
Owned with mortgage
24%
Rented
14%
Dwelling structure19.5% of dwellings unoccupied on census night
Separate house
81%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 69% drive, 0% public transport, 13% walk or cycle, 16% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

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 95.6% 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 ~95.6%
~95.6% of the suburb is Bush Fire Prone Land · ~65.8% 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 68% Rural / Green wedge 27% Other 3%

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

15,566 people · 202220,803 by 2032 (+33.6%)

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

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

Oyster Cove (postcode 2318) is a sparsely populated locality in New South Wales within the Port Stephens local government area. The area has roughly 91 residents and a predominantly older resident base, with a median age of 56. Households earn a median income of $62K per year, with an average household size of 2.4 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 managers, clerical & administrative, sales. Employment in the area leans toward retail trade and manufacturing. The top ancestries reported are Australian, English, Aboriginal Australian.

Oyster Cove has a median house price of $270,000, holding roughly steady year-on-year. The current median weekly rent is $700. This gives a gross rental yield of approximately 13.5%. The median monthly mortgage repayment is $1,600.

Public transport access includes 1 bus stop. The crime rate in the Port Stephens LGA is below average at 3,252 incidents per 100,000 population.

From an investment perspective, Oyster Cove shows a gross rental yield of approximately 13.5%, rated as high yield. Property prices sit below the state median ($270K/$1.5M), which can point to relative value. The price-to-income ratio of 4.4x is considered affordable. House prices have moved +0.0% 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 Yield13.5% High Yield
Price vs State$270K/$1.5M Below Median
Affordability4.4x Affordable
Price Momentum+0.0%· Stable
Pop. Growth+1.3%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,600
Rent · wk(Census)$228
Market rent · wk(2026-06)$700
Gross yield4.4%
Price / income4.4x
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 2318ATO
Negatively geared6.1%
514 of filers
Avg rental loss$7,192/yr
Landlords (rental income)1,148
Reported capital gains657
People & prosperity
DemographicsCensus 21
Population91
Median age56
Household size2.4
HH income · wk$1,187
Personal income · wk$537
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)2/10
Education (IEO)3/10
Economic (IER)5/10
Disadvantage (IRSD)2/10
Income momentumCensus 16→21
HH income · wk$900 → $1,187
Change+31.9%
vs NSW median+11.3 pp
gentrifyingvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops1
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
Aircraft noiseANEF
In ANEF contourYes
Nearest airfieldRAAF Base Williamtown
Distance~12.5 km
Within Defence ANEF noise zone
Shortlist workspace

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Current status
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Sources & freshness
Strong evidence

Oyster Cove 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 · 2011 · 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 · 1 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 Oyster Cove 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 school matches and hospital coverage.

Coverage is thinner on school matches and hospital coverage; lean less on this one page and confirm those gaps elsewhere.

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

Taylors Beach most similar
similar rent profile similar suburb scale

pop same · house +$490K · rent -$330/wk

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

Fishermans Bay most similar
similar rent profile similar suburb scale

pop same · house +$680K · rent -$350/wk

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

Ferodale most similar
similar rent profile similar suburb scale

pop same · house +$930K · rent -$300/wk

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

Oyster Cove FAQ

Common questions
  1. What LGA is Oyster Cove in?

    Oyster Cove is in the Port Stephens Local Government Area, NSW, postcode 2318. 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 Oyster Cove?

    The current median house price in Oyster Cove, NSW is $270K, 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 Oyster Cove?

    The median weekly rent in Oyster Cove is $700/wk, based on the current market rent dataset. The current rent signal is rent-led investor candidate.

  4. What does the rent signal say about Oyster Cove?

    Rent-led investor candidate: Gross rent yield screens at about 13.5%. 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 Oyster Cove a good investment?

    QuickProperty's investment signals for Oyster Cove show: High Yield, Below Median, Affordable. These are computed from price, rent, income, and population data — not an opaque score.

  6. Where does QuickProperty get its data for Oyster Cove?

    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 Oyster Cove 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.