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Suburb profile ·Central Coast (NSW) LGA · NSW ·2256

Patonga NSW 2256

Patonga is in Central Coast (NSW) LGA, NSW, postcode 2256, with population 235.

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.

$615/wk
Rising
+3.4% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2256 · Jun 2026
$662
$575
Jun 2025Jun 2026
Why it fits

Recent price movement shows visible market momentum. Transport coverage adds a practical access signal.

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
$1.8M
House median, latest period
27.6%YoY D9 vs AU
Median rent
$615/wk
Rent context available
3.4%YoY D10 vs AU
Gross yield
1.8%
Low yield band
D5 vs AU
Population
357,816
358K via Central Coast (NSW) LGA · SAL undercount
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
2,364
140 added 12mo · 15MW
Price cycleRecovering
LowPeak

15.7% below peak · 244.1% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionRecovering
Low · 2012Peak · 2022

15.7% below peak · 244.1% above its low

Price growth (compound)% per year
3-yr
-5.5%
5-yr
+11.7%
10-yr
+3.5%
Indicative cashflow-$1,267/wk (-$65,871/yr) · interest-only @ 6.4%, 80% LVR
Market turnover19.1% of homes traded/yr (25 sales)
Rent stabilitytypical — rents vary ±3.8% around trend (short window, 13 pts)
Value vs advantage+123% vs suburbs of similar SEIFA advantage (decile 4)

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 Patonga

Owner-occupied 87%Rented 13%
Investor activityATO
Negatively geared5.9%
520 of 1,205 landlords
Avg rental loss$8,370/yr
Landlords (rental income)1,205
Reported capital gains796
Investor exposure index(moderate vs national)57.9/100
The read

Owner-occupier stronghold

83% of homes here are owner-occupied and 13% rented, with 6% of landlords negatively geared.

Why it fits

83% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 1.8% 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

186%
of household income to service a new loan
42.1 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $8,599/mo vs median rent $2,665/mo (+223% · +$1369/wk)

If rates move

At 4.2%: $6,866/mo (-1,733) · at 6.2% (current): $8,599/mo · at 8.2%: $10,498/mo (+1,899)

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
31.6x
median home price as a multiple of annual household income
Stretched
Renting
58%
median weekly rent as a share of gross household income (the 30% rule)
High stress

Owners with a mortgage repay a median of $1,517/mo, while renters pay about $2,665/mo — renting runs $1,148/mo higher on these medians.

Median price
$1.75M
Household income · yr
$56K
Median rent · wk
$615
Owner mortgage · mo
$1,517
Gross yield
1.8%

Household income

$56K household · yr-32.5% vs NSW suburb median
Personal
$37K
Family
$80K
Household
$56K
Household income distribution (ABS Census 2021 · weekly)fewer than 11% could service the median house
Under $300
4
$300-649
20
$650-999
24
$1,000-1,499
16
$1,500-1,999
9
$2,000-2,999
10
$3,000-3,999
4
$4,000+
11

Serviceability line: a household needs about $6,615/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 76% of households here would spend more than 30% of income on rent (rent stress line: $2,050/wk income).

Housing stock and tenure

Tenure (111 households)
Owned outright
60%
Owned with mortgage
23%
Rented
13%
Dwelling structure50.9% of dwellings unoccupied on census night
Separate house
87%
Townhouse / semi
3%
Flat / apartment
0%

Getting to work: 43% drive, 0% public transport, 0% walk or cycle, 57% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
12,455
3,510 per 100k
D5 vs AU

Crime

Rate · per 100k3,510
Total incidents12,455· April 2025 - March 2026
  • Assault3,37960%
  • Sexual Offences1,15921%
  • Robbery751%
  • Break And Enter1,01218%

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 97.9% 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 ~97.9%
~97.9% of the suburb is Bush Fire Prone Land · ~94.5% 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 National Parks and Nature Reserves
Public / Open space 94% Other 2% Residential 1%
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

24,846 people · 202225,931 by 2032 (+4.4%)

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

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

Patonga (postcode 2256) is a sparsely populated locality in New South Wales within the Central Coast (NSW) local government area. It is home to about 235 residents, with a more retirement-aged population and a median age of 65. Households earn a median income of $56K per year, with an average household size of 1.8 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 professionals, managers, community & personal service. Employment in the area leans toward education and professional services. The top ancestries reported are English, Australian, Scottish.

Median house prices in Patonga stand at $1.8 million, having jumped by 27.6% over the last twelve months. The current median weekly rent is $615. This gives a gross rental yield of approximately 1.8%. The median monthly mortgage repayment is $1,517.

Public transport access includes 10 bus stops. The crime rate in the Central Coast (NSW) LGA is below average at 3,510 incidents per 100,000 population.

Looking at the investment signals, The gross rental yield works out to roughly 1.8%, which reads as low yield. Property prices are near the state median ($1.8M/$1.5M). The price-to-income ratio of 31.6x is considered stretched. House prices have moved +27.6% 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 Yield1.8% Low Yield
Price vs State$1.8M/$1.5M· Near Median
Affordability31.6x Stretched
Price Momentum+27.6% Rising
Pop. Growth+0.7%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$1,517
Rent · wk(Census)$390
Market rent · wk(2026-06)$615
Gross yield1.2%
Price / income31.6x
Sales vol (latest Q)(2023-Q3)5
Population growth · Central Coast (NSW) LGAABS ERP
Population (2025)357,816
5-year growth+0.6% CAGR
YoY change+0.7%
20012025
Development · Central Coast (NSW) LGAABS Approvals
Approvals (2026)1,116
Houses 62%Units 38%
YoY change+0%
Employment · Central Coast (NSW) LGASALM
Unemployment (Dec-25)3.4%
YoY change+0pp
Dec-10Dec-25
Property investors · Postcode 2256ATO
Negatively geared5.9%
520 of filers
Avg rental loss$8,370/yr
Landlords (rental income)1,205
Reported capital gains796
People & prosperity
DemographicsCensus 21
Population235
Median age65
Household size1.8
HH income · wk$1,069
Personal income · wk$720
Persons / bedroom0.6
SEIFA indexABS
Advantage (IRSAD)4/10
Education (IEO)8/10
Economic (IER)4/10
Disadvantage (IRSD)7/10
Income momentumCensus 16→21
HH income · wk$833 → $1,069
Change+28.3%
vs NSW median+7.7 pp
Median rent+33.1%
gentrifyingvs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets0
Pharmacies0
GP / clinics0
Fuel stations0
Cafes & dining2
TransportGTFS
Bus stops10
Hospitals · Central Coast (NSW) LGAAIHW
Public4
Private5
Gosford Hospitalpublic
Long Jetty Health Care Centrepublic
Woy Woy Hospitalpublic
Wyong Hospitalpublic
Berkeley Vale Private Hospitalprivate
Brisbane Waters Private Hospitalprivate
+3 more in Central Coast (NSW) LGA
Aged care · Central Coast (NSW) LGAGEN
Facilities38
Residential places3,910
Peninsula Villages Ltd314 places
Estia Health Erina250 places
Uniting Nareen Gardens Bateau Bay195 places
Killarney Vale Care Community162 places
Berkeley Vale Care Community160 places
Hill View House Aged Care Facility160 places
+32 more in Central Coast (NSW) LGA
Childcare · Central Coast (NSW) LGAACECQA
Services225
Approved places14,596
Exceeding NQS59
Erina Kindergarten219 places
Little Miracles Preschool and Long Day Care171 places
North Wyong Early Childhood Learning Centre150 places
Terrigal School Care150 places
YMCA Wamberal OSHC150 places
Point Clare OSHClub134 places
+219 more in Central Coast (NSW) LGA
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Sources & freshness
Strong evidence

Patonga 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 · 2023-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 · 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 · 10 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.

Patonga FAQ

Common questions
  1. What LGA is Patonga in?

    Patonga is in the Central Coast (NSW) Local Government Area, NSW, postcode 2256. Council-level context for Central Coast (NSW) LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Patonga?

    The current median house price in Patonga, NSW is $1.8M, 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 Patonga?

    The median weekly rent in Patonga is $615/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Patonga?

    Rent context available: Patonga 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 Patonga a good investment?

    QuickProperty's investment signals for Patonga 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 Patonga?

    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 Patonga 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.