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Suburb profile ·Albury LGA · NSW ·2640

Splitters Creek NSW 2640

Splitters Creek is in Albury LGA, NSW, postcode 2640, with population 312.

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.

$520/wk
Rising
+5.4% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2640 · Jun 2026
$535
$490
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

Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$935K
House median, latest period
20.8%YoY D6 vs AU
Median rent
$520/wk
Rent context available
5.4%YoY D10 vs AU
Gross yield
2.9%
Low yield band
D9 vs AU
Population
59,538
60K via Albury LGA · SAL undercount
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
9,074
693 added 12mo · 67MW
Price cycleCorrecting
LowPeak

51.4% below peak · 98.9% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionCorrecting
Low · 2014Peak · 2022

51.4% below peak · 98.9% above its low

Price growth (compound)% per year
3-yr
-9.6%
5-yr
+2.2%
10-yr
+4.5%
Indicative cashflow-$531/wk (-$27,592/yr) · interest-only @ 6.4%, 80% LVR
Rent stabilitystable — rents vary ±2.3% around trend (short window, 13 pts)
Value vs advantage-41% 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).

Investor profile

Who invests in Splitters Creek

Owner-occupied 93%Rented 7%
Investor activityATO
Negatively geared4.9%
1,221 of 3,115 landlords
Avg rental loss$7,097/yr
Landlords (rental income)3,115
Reported capital gains2,568
The read

Owner-occupier stronghold

96% of homes here are owner-occupied and 8% rented, with 5% of landlords negatively geared.

Why it fits

96% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 2.9% 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

36%
of household income to service a new loan
8.1 yrs
to save a 20% deposit
Stretched
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $4,581/mo vs median rent $2,253/mo (+103% · +$537/wk)

If rates move

At 4.2%: $3,658/mo (-923) · at 6.2% (current): $4,581/mo · at 8.2%: $5,593/mo (+1,012)

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

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
6.1x
median home price as a multiple of annual household income
Moderate
Renting
18%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $2,084/mo, while renters pay about $2,253/mo — renting runs $169/mo higher on these medians.

Median price
$935K
Household income · yr
$154K
Median rent · wk
$520
Owner mortgage · mo
$2,084
Gross yield
2.9%

Household income

$154K household · yr+87.5% vs NSW suburb median
Personal
$59K
Family
$157K
Household
$154K
Household income distribution (ABS Census 2021 · weekly)40% could service the median house
Under $300
0
$300-649
0
$650-999
6
$1,000-1,499
8
$1,500-1,999
5
$2,000-2,999
19
$3,000-3,999
21
$4,000+
23

Serviceability line: a household needs about $3,524/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 23% of households here would spend more than 30% of income on rent (rent stress line: $1,733/wk income).

Housing stock and tenure

Tenure (92 households)
Owned outright
47%
Owned with mortgage
49%
Rented
8%
Dwelling structure3.0% of dwellings unoccupied on census night
Separate house
101%
Townhouse / semi
0%
Flat / apartment
0%

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

Crime April 2025 - March 2026
3,717
6,374 per 100k
D8 vs AU

Crime

Rate · per 100k6,374
Total incidents3,717· April 2025 - March 2026
  • Assault94460%
  • Sexual Offences19913%
  • Robbery221%
  • Break And Enter39725%

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 96.3% 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 ~96.3%
~96.3% of the suburb is Bush Fire Prone Land · ~45.8% 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 Environmental Management
Public / Open space 48% Other 28% Rural / Green wedge 20% Residential 3%
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

10,445 people · 202210,604 by 2032 (+1.5%)

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

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

Located in New South Wales within the Albury local government area, Splitters Creek is a small, quiet locality (postcode 2640). The area has roughly 312 residents and a settled, mature resident base, with a median age of 47. Households earn a median income of $154K per year, with an average household size of 2.9 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 professionals, managers, technicians & trades. Employment in the area leans toward healthcare and manufacturing. The top ancestries reported are English, Australian, Irish.

The median house price in Splitters Creek is $935,000, having fallen sharply by 20.8% over the past year. The current median weekly rent is $520. This gives a gross rental yield of approximately 2.9%. The median monthly mortgage repayment is $2,084.

Public transport access includes 23 bus stops. The crime rate in the Albury LGA is moderate at 6,374 incidents per 100,000 population.

Looking at the investment signals, Gross rental yield sits at around 2.9% (low yield). Property prices sit below the state median ($935K/$1.5M), which can point to relative value. The price-to-income ratio of 6.1x is considered moderate. House prices have moved -20.8% 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 Yield2.9% Low Yield
Price vs State$935K/$1.5M Below Median
Affordability6.1x· Moderate
Price Momentum-20.8% Falling
Pop. Growth+1.3%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$2,084
Rent · wk(Census)$168
Market rent · wk(2026-06)$520
Gross yield0.9%
Price / income6.1x
Population growth · Albury LGAABS ERP
Population (2025)59,538
5-year growth+1.4% CAGR
YoY change+1.3%
20012025
Development · Albury LGAABS Approvals
Approvals (2026)377
Houses 86%Units 14%
YoY change+0%
Employment · Albury LGASALM
Unemployment (Dec-25)4.8%
YoY change+0.9pp
Dec-10Dec-25
Property investors · Postcode 2640ATO
Negatively geared4.9%
1,221 of filers
Avg rental loss$7,097/yr
Landlords (rental income)3,115
Reported capital gains2,568
People & prosperity
DemographicsCensus 21
Population312
Median age47
Household size2.9
HH income · wk$2,968
Personal income · wk$1,141
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$2,531 → $2,968
Change+17.3%
vs NSW median-3.3 pp
stablevs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops23
Hospitals · Albury LGAAIHW
Public2
Private4
Albury Wodonga Health [Albury Campus]public
Mercy Care Hospital - Alburypublic
Albury Day Surgeryprivate
Albury Wodonga Private Hospitalprivate
Insight Private Hospitalprivate
The Border Cancer Hospitalprivate
Aged care · Albury LGAGEN
Facilities8
Residential places561
Dellacourt122 places
Mercy Place Albury120 places
Estia Health Albury80 places
Borella House66 places
Murray Vale Shalem Hostel60 places
Yallaroo60 places
+2 more in Albury LGA
Childcare · Albury LGAACECQA
Services43
Approved places2,707
Exceeding NQS4
Albury Treetops Early Education, Care and Preschool129 places
AlburyCity - St Pats OOSH120 places
AlburyCity Trinity OOSH120 places
Guardian Childcare & Education Kinfolk Albury112 places
Albury Preschool100 places
GREEN LEAVES EARLY LEARNING ALBURY100 places
+37 more in Albury LGA
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Current status
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Sources & freshness
Strong evidence

Splitters Creek 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 · 2024 · 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 · 23 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.

Splitters Creek FAQ

Common questions
  1. What LGA is Splitters Creek in?

    Splitters Creek is in the Albury Local Government Area, NSW, postcode 2640. Council-level context for Albury LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Splitters Creek?

    The current median house price in Splitters Creek, NSW is $935K, 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 Splitters Creek?

    The median weekly rent in Splitters Creek is $520/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Splitters Creek?

    Rent context available: Splitters Creek 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 Splitters Creek a good investment?

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

  6. Where does QuickProperty get its data for Splitters Creek?

    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 Splitters Creek 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.