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Suburb profile ·Wollongong LGA · NSW ·2508

Stanwell Tops NSW 2508

Stanwell Tops is in Wollongong LGA, NSW, postcode 2508, with population 517.

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.

$640/wk
Falling
-20.0% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2508 · Jun 2026
$950
$640
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
$1.3M
House median, latest period
13.1%YoY D8 vs AU
Median rent
$640/wk
Rent context available
20.0%YoY D10 vs AU
Gross yield
2.5%
Low yield band
D8 vs AU
Population
517
517 local footprint
D7 vs AU
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
1,355
130 added 12mo · 9MW
Price cycleCorrecting
LowPeak

25.2% below peak · 169.4% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionCorrecting
Low · 2006Peak · 2024

25.2% below peak · 169.4% above its low

Price growth (compound)% per year
3-yr
+2.2%
5-yr
+1.3%
10-yr
+4.4%
Indicative cashflow-$846/wk (-$44,006/yr) · interest-only @ 6.4%, 80% LVR
Rent stabilityvolatile — rents vary ±9.9% around trend (short window, 13 pts)
Value vs advantage-15% 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).

Investment grade

Fgrade · 12/100 · top 88% of 3,604AU suburbs
Peer distributionstronger than 12% of AU suburbs
WeakerTypicalStronger
Capital growth10
Rental yield35
Stability22
Volatility-17.7ppCycle-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 Stanwell Tops

Owner-occupied 85%Rented 15%
Investor activityATO
Negatively geared8.2%
480 of 960 landlords
Avg rental loss$7,971/yr
Landlords (rental income)960
Reported capital gains502
The read

Owner-occupier stronghold

79% of homes here are owner-occupied and 14% rented, with 8% of landlords negatively geared.

Why it fits

79% 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

57%
of household income to service a new loan
13.0 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $6,600/mo vs median rent $2,773/mo (+138% · +$883/wk)

If rates move

At 4.2%: $5,270/mo (-1,330) · at 6.2% (current): $6,600/mo · at 8.2%: $8,058/mo (+1,458)

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

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
9.7x
median home price as a multiple of annual household income
Moderate
Renting
24%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $2,625/mo, while renters pay about $2,773/mo — renting runs $148/mo higher on these medians.

Median price
$1.35M
Household income · yr
$138K
Median rent · wk
$640
Owner mortgage · mo
$2,625
Gross yield
2.5%

Household income

$138K household · yr+68.2% vs NSW suburb median
Personal
$50K
Family
$144K
Household
$138K
Household income distribution (ABS Census 2021 · weekly)fewer than 25% could service the median house
Under $300
6
$300-649
5
$650-999
16
$1,000-1,499
24
$1,500-1,999
10
$2,000-2,999
38
$3,000-3,999
20
$4,000+
39

Serviceability line: a household needs about $5,077/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 41% of households here would spend more than 30% of income on rent (rent stress line: $2,133/wk income).

Housing stock and tenure

Tenure (166 households)
Owned outright
40%
Owned with mortgage
39%
Rented
14%
Dwelling structure4.7% of dwellings unoccupied on census night
Separate house
99%
Townhouse / semi
0%
Flat / apartment
2%

Getting to work: 47% drive, 0% public transport, 4% walk or cycle, 46% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Livability

8/ 100 livability index

Top 92% most liveable of 4,565Australian suburbs.

Peer distributionstronger than 8% of Australian suburbs
WeakerTypicalStronger
Everyday access19
Public transport (8 stops)29
Schools & hospitals0

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
7,752
3,494 per 100k
D5 vs AU

Crime

Rate · per 100k3,494
Total incidents7,752· April 2025 - March 2026
  • Assault1,66455%
  • Sexual Offences61720%
  • Robbery411%
  • Break And Enter70323%

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 98.7% 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 ~98.7%
~98.7% of the suburb is Bush Fire Prone Land · ~92.3% 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 Conservation
Public / Open space 86% Other 5% Residential 2%
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

9,088 people · 20229,048 by 2032 (-0.4%)

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

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

Stanwell Tops (postcode 2508) is a small community in New South Wales within the Wollongong local government area. The area has roughly 517 residents and an established demographic, with a median age of 38. Households earn a median income of $138K per year, with an average household size of 3 people. Recent annual estimates show population movement staying broadly stable across the broader catchment, with population growth running at +1.0% 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 healthcare. The top ancestries reported are Australian, English, Irish.

Median house prices in Stanwell Tops stand at $1.3 million, having declined steeply by 13.1% over the last twelve months. The current median weekly rent is $640. This gives a gross rental yield of approximately 2.5%. The median monthly mortgage repayment is $2,625.

Public transport access includes 8 bus stops. The crime rate in the Wollongong LGA is below average at 3,494 incidents per 100,000 population.

Looking at the investment signals, Stanwell Tops shows a gross rental yield of approximately 2.5%, rated as low yield. Property prices are near the state median ($1.3M/$1.5M). The price-to-income ratio of 9.7x is considered moderate. House prices have moved -13.1% year-on-year. Population growth of +1.0% 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
Affordability9.7x· Moderate
Price Momentum-13.1% Falling
Pop. Growth+1.0%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$2,625
Rent · wk(Census)$650
Market rent · wk(2026-06)$640
Gross yield2.5%
Price / income9.7x
Sales vol (latest Q)(2009-Q3)8
Population growth · Wollongong LGAABS ERP
Population (2025)224,327
5-year growth+0.8% CAGR
YoY change+1%
20012025
Development · Wollongong LGAABS Approvals
Approvals (2026)1,461
Houses 25%Units 75%
YoY change+0%
Employment · Wollongong LGASALM
Unemployment (Dec-25)6.6%
YoY change+0.2pp
Dec-10Dec-25
Property investors · Postcode 2508ATO
Negatively geared8.2%
480 of filers
Avg rental loss$7,971/yr
Landlords (rental income)960
Reported capital gains502
People & prosperity
DemographicsCensus 21
Population517
Median age38
Household size3
HH income · wk$2,663
Personal income · wk$962
Persons / bedroom0.9
SEIFA indexABS
Advantage (IRSAD)10/10
Education (IEO)9/10
Economic (IER)10/10
Disadvantage (IRSD)10/10
Income momentumCensus 16→21
HH income · wk$2,360 → $2,663
Change+12.8%
vs NSW median-7.8 pp
Median rent+62.5%
softeningvs NSW 2016–21
Area & amenity
Local amenitiesOSM
Supermarkets0
Pharmacies0
GP / clinics0
Fuel stations0
Cafes & dining1
TransportGTFS
Bus stops8
Hospitals · Wollongong LGAAIHW
Public5
Private6
Bulli Hospitalpublic
Coledale Hospitalpublic
Illawarra Mental Health Servicespublic
Port Kembla Hospitalpublic
Wollongong Hospitalpublic
Figtree Private Hospitalprivate
+5 more in Wollongong LGA
Aged care · Wollongong LGAGEN
Facilities21
Residential places2,120
IRT Woonona201 places
Marco Polo Woonona Care Services168 places
Marco Polo Aged Care Facility167 places
IRT William Beach Gardens160 places
Warrigal Wollongong155 places
Estia Health Figtree120 places
+15 more in Wollongong LGA
Childcare · Wollongong LGAACECQA
Services157
Approved places8,355
Exceeding NQS55
Fun-Damentals - Sport & Movement Skills150 places
Our Space OOSH Pty Ltd135 places
Cedars Christian College Prep Program130 places
Peak TIGS130 places
LITTLE ZAKS ACADEMY CORRIMAL122 places
CatholicCare OOSH- Good Samaritan Fairy Meadow121 places
+151 more in Wollongong LGA
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Current status
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Sources & freshness
Strong evidence

Stanwell Tops 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 · 2009-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 · 8 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.

Stanwell Tops FAQ

Common questions
  1. What LGA is Stanwell Tops in?

    Stanwell Tops is in the Wollongong Local Government Area, NSW, postcode 2508. Council-level context for Wollongong LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Stanwell Tops?

    The current median house price in Stanwell Tops, 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 Stanwell Tops?

    The median weekly rent in Stanwell Tops is $640/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Stanwell Tops?

    Rent context available: Stanwell Tops 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 Stanwell Tops a good investment?

    QuickProperty's investment signals for Stanwell Tops 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 Stanwell Tops?

    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 Stanwell Tops 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.