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Suburb profile ·Cootamundra-Gundagai Regional LGA · NSW ·2725

Stockinbingal NSW 2725

Stockinbingal is in Cootamundra-Gundagai Regional LGA, NSW, postcode 2725, with population 347.

The read

Verify-first

The page has enough signal to be useful, but the story is mixed rather than decisive. Use compare mode to pressure-test it against stronger nearby options, then use the calculator if it still makes the shortlist.

$490K
+16.7% YoY
2006 → 2026 · 21 periods
ABS + state medians
$490K
$77K
2006 2026
Why it fits

Entry price sits in the lower-cost range for a first-pass screen. Recent price movement shows visible market momentum. Transport coverage adds a practical access signal.

What to check

Evidence depth is verify-heavy, so the profile should be treated as provisional. Gross yield looks low for an income-first use case. Small local population makes the signal set more fragile.

Median house
$490K
House median, latest period
16.7%YoY D2 vs AU
Median rent
$155/wk
Market rent signal
D2 vs AU
Gross yield
1.6%
Low yield band
D4 vs AU
Population
347
347 local footprint
D7 vs AU
Schools
1
Matched school context
D1 vs AU
Drive to city
Not in commute dataset
Solar
90
3 added 12mo · 1MW
Price cycleAt its peak
LowPeak

At / near its all-time high

See trend depth →

Price history

Trend & investor depth

Cycle positionAt its peak
Low · 2008Peak · 2026

At / near its all-time high

Price growth (compound)% per year
3-yr
+2.9%
5-yr
+12.7%
10-yr
+8.7%
Indicative cashflow-$366/wk (-$19,043/yr) · interest-only @ 6.4%, 80% LVR
Value vs advantage-21% 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 Stockinbingal

Owner-occupied 88%Rented 12%
Investor activityATO
Negatively geared1.7%
3 of 21 landlords
Avg rental loss$3,587/yr
Landlords (rental income)21
Reported capital gains23
The read

Owner-occupier stronghold

89% of homes here are owner-occupied and 12% rented, with 2% of landlords negatively geared.

Why it fits

89% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 1.6% 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

56%
of household income to service a new loan
12.7 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $2,401/mo vs median rent $672/mo (+257% · +$399/wk)

If rates move

At 4.2%: $1,917/mo (-484) · at 6.2% (current): $2,401/mo · at 8.2%: $2,931/mo (+530)

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
9.6x
median home price as a multiple of annual household income
Moderate
Renting
16%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $1,013/mo, while renters pay about $672/mo — owning runs $341/mo higher on these medians.

Median price
$490K
Household income · yr
$51K
Median rent · wk
$155
Owner mortgage · mo
$1,013
Gross yield
1.6%

Household income

$51K household · yr-37.7% vs NSW suburb median
Personal
$27K
Family
$62K
Household
$51K
Household income distribution (ABS Census 2021 · weekly)28% could service the median house
Under $300
3
$300-649
29
$650-999
37
$1,000-1,499
19
$1,500-1,999
12
$2,000-2,999
17
$3,000-3,999
9
$4,000+
8

Serviceability line: a household needs about $1,847/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 19% of households here would spend more than 30% of income on rent (rent stress line: $517/wk income).

Housing stock and tenure

Tenure (146 households)
Owned outright
57%
Owned with mortgage
32%
Rented
12%
Dwelling structure11.9% of dwellings unoccupied on census night
Separate house
102%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 71% drive, 0% public transport, 6% walk or cycle, 14% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Schools

Total1
Avg ICSEA929
Students12
Government1
  • Stockinbingal Public SchoolPrimary · Government · ICSEA 929

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

Low broad-area context

About 9.2% 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

Low exposure ~9.2%
~9.2% of the suburb is Bush Fire Prone Land · ~5.7% 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 93% Public / Open space 5% Other 2%

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

7,718 people · 20227,979 by 2032 (+3.4%)

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

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

Stockinbingal is a small, quiet locality in New South Wales within the Cootamundra-Gundagai Regional local government area (postcode 2725). With a population of 347, the suburb has a mature demographic with a median age of 53. Households earn a median income of $51K per year, with an average household size of 2.2 people. 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, machinery operators & drivers, technicians & trades. Employment in the area leans toward agriculture and healthcare. The top ancestries reported are English, Australian, Irish.

The median house price in Stockinbingal is $490,000, having climbed sharply by 16.7% over the past year. The median weekly rent is $155 (Census 2021). This gives a gross rental yield of approximately 1.6%. The median monthly mortgage repayment is $1,013.

Stockinbingal is served by 1 school, including 1 primary. The average ICSEA score is 929, which is below the national average of 1,000. Public transport access includes 27 bus stops.

On the investment side, Stockinbingal shows a gross rental yield of approximately 1.6%, rated as low yield. Property prices sit below the state median ($490K/$1.5M), which can point to relative value. The price-to-income ratio of 9.6x is considered moderate. House prices have moved +16.7% year-on-year.

Market & money
Investment signalsHeuristics
Rental Yield1.6% Low Yield
Price vs State$490K/$1.5M Below Median
Affordability9.6x· Moderate
Price Momentum+16.7% Rising
InvestmentNSW
Mortgage · mth$1,013
Rent · wk(Census)$155
Gross yield1.6%
Price / income9.6x
Sales vol (latest Q)(2021-Q4)6
Property investors · Postcode 2725ATO
Negatively geared1.7%
3 of filers
Avg rental loss$3,587/yr
Landlords (rental income)21
Reported capital gains23
People & prosperity
DemographicsCensus 21
Population347
Median age53
Household size2.2
HH income · wk$986
Personal income · wk$519
Persons / bedroom0.7
SEIFA indexABS
Advantage (IRSAD)2/10
Education (IEO)2/10
Economic (IER)3/10
Disadvantage (IRSD)2/10
Income momentumCensus 16→21
HH income · wk$772 → $986
Change+27.7%
vs NSW median+7.1 pp
Median rent+93.8%
gentrifyingvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops27
Hospitals · Cootamundra-Gundagai Regional LGAAIHW
Public2
Private0
Cootamundra Hospitalpublic
Gundagai Hospitalpublic
Aged care · Cootamundra-Gundagai Regional LGAGEN
Facilities4
Residential places154
Adina Care Cootamundra62 places
Southern Cross Care Cootamundra Residential Aged Care55 places
Uralba Hostel19 places
Gundagai Multi-Purpose Service18 places
Childcare · Cootamundra-Gundagai Regional LGAACECQA
Services9
Approved places407
Exceeding NQS1
Thrive OSHC Gundagai91 places
Gumnut Child Care Centre (Gundagai)60 places
Cootamundra Early Learning Centre50 places
Milestones Early Learning Cootamundra50 places
Creekside Kids Early Learning Centre48 places
Cootamundra Preschool Incorporated44 places
+3 more in Cootamundra-Gundagai Regional LGA
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Current status
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Sources & freshness
Verify-heavy evidence

Stockinbingal leans on evidence that should be verified before a 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 falling back to Census, not a market feed.

This gives you directional coverage, but it is weaker than a current rent release.

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 · 2021-Q4 · 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
ABS Census 2021 · Using Census rent fallback
stable source · manual file · snapshot · census-cycle
Verify
Crime
BOCSAR · No linked local crime series
medium stability · automated · every update · release-based
Missing
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 · 27 matched stops/stations
medium stability · manual file · snapshot · mixed
Available
Population growth
ABS ERP · No linked annual population growth series
stable source · automated · every update · annual
Missing
Building approvals
ABS Building Approvals · No linked approvals series
stable source · automated · every update · monthly
Missing
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.

Stockinbingal FAQ

Common questions
  1. What LGA is Stockinbingal in?

    Stockinbingal is in the Cootamundra-Gundagai Regional Local Government Area, NSW, postcode 2725. Council-level context for Cootamundra-Gundagai Regional LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Stockinbingal?

    The current median house price in Stockinbingal, NSW is $490K, 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 Stockinbingal?

    The median weekly rent in Stockinbingal is $155/wk, based on ABS Census 2021 rent fallback.

  4. Is Stockinbingal a good investment?

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

  5. Where does QuickProperty get its data for Stockinbingal?

    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.

  6. How often is the Stockinbingal 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.