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Suburb profile ·Cabonne LGA · NSW ·2800

Summer Hill Creek NSW 2800

Summer Hill Creek is in Cabonne LGA, NSW, postcode 2800, with population 234.

The read

Growth-momentum

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.

$550/wk
Rising
+2.8% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2800 · Jun 2026
$600
$528
Jun 2025Jun 2026
Why it fits

Recent price movement shows visible market momentum. 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
92.3%YoY D8 vs AU
Median rent
$550/wk
Rent context available
2.8%YoY D10 vs AU
Gross yield
2.3%
Low yield band
D7 vs AU
Population
13,915
14K via Cabonne LGA · SAL undercount
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
9,206
636 added 12mo · 70MW
Price cycleAt its peak
LowPeak

At / near its all-time high

See trend depth →

Price history

Trend & investor depth

Cycle positionAt its peak
Low · 2006Peak · 2025

At / near its all-time high

Price growth (compound)% per year
3-yr
+19.9%
5-yr
+18.8%
Indicative cashflow-$818/wk (-$42,550/yr) · interest-only @ 6.4%, 80% LVR
Rent stabilitystable — rents vary ±2.9% around trend (short window, 13 pts)
Value vs advantage-21% 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 Summer Hill Creek

Owner-occupied 95%Rented 5%
Investor activityATO
Negatively geared6.2%
1,750 of 3,965 landlords
Avg rental loss$7,975/yr
Landlords (rental income)3,965
Reported capital gains2,570
Investor exposure index(low vs national)37.8/100
The read

Owner-occupier stronghold

93% of homes here are owner-occupied and 5% rented, with 6% of landlords negatively geared.

Why it fits

93% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 2.3% 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

55%
of household income to service a new loan
12.5 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $6,125/mo vs median rent $2,383/mo (+157% · +$863/wk)

If rates move

At 4.2%: $4,890/mo (-1,235) · at 6.2% (current): $6,125/mo · at 8.2%: $7,478/mo (+1,353)

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
9.4x
median home price as a multiple of annual household income
Moderate
Renting
21%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $2,400/mo, while renters pay about $2,383/mo — owning runs $17/mo higher on these medians.

Median price
$1.25M
Household income · yr
$133K
Median rent · wk
$550
Owner mortgage · mo
$2,400
Gross yield
2.3%

Household income

$133K household · yr+61.8% vs NSW suburb median
Personal
$50K
Family
$149K
Household
$133K
Household income distribution (ABS Census 2021 · weekly)fewer than 20% could service the median house
Under $300
0
$300-649
3
$650-999
3
$1,000-1,499
13
$1,500-1,999
7
$2,000-2,999
9
$3,000-3,999
21
$4,000+
14

Serviceability line: a household needs about $4,711/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 37% of households here would spend more than 30% of income on rent (rent stress line: $1,833/wk income).

Housing stock and tenure

Tenure (81 households)
Owned outright
51%
Owned with mortgage
42%
Rented
5%
Dwelling structure5.9% of dwellings unoccupied on census night
Separate house
100%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 89% drive, 0% public transport, 0% walk or cycle, 13% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
255
1,835 per 100k
D3 vs AU

Crime

Rate · per 100k1,835
Total incidents255· April 2025 - March 2026
  • Assault7255%
  • Sexual Offences2418%
  • Robbery00%
  • Break And Enter3627%

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 97.2% 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

Severe exposure ~97.2%
~97.2% of the suburb is Bush Fire Prone Land · ~39.7% 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.

Short-term rentals

29
active listings · ~123.9 per 1,000 residents
86%
entire homes (vs private rooms)
86%
run by multi-listing operators

Active Airbnb listings point-mapped to this suburb from Inside Airbnb (CC BY 4.0). Occupancy and revenue are estimates from Inside Airbnb's San Francisco model (review-rate proxy, minimum-stay assumption, occupancy capped at 70%) — they are gross, indicative, and not a guarantee of returns. Short-stay letting is subject to state and local regulation.

Planning zones

Dominant zone Primary Production
Rural / Green wedge 63% Residential 34% Public / Open space 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

11,869 people · 202212,427 by 2032 (+4.7%)

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

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

Summer Hill Creek (postcode 2800) is a quiet locality in New South Wales within the Cabonne local government area. With a population of 234, the suburb has an established family demographic with a median age of 40. Households earn a median income of $133K 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 +0.0% 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, technicians & trades. Employment in the area leans toward healthcare and education. The top ancestries reported are English, Australian, Irish.

Median house prices in Summer Hill Creek stand at $1.3 million, having climbed sharply by 92.3% over the last twelve months. The current median weekly rent is $550. This gives a gross rental yield of approximately 2.3%. The median monthly mortgage repayment is $2,400.

Public transport access includes 14 bus stops. The crime rate in the Cabonne LGA is low at 1,835 incidents per 100,000 population.

From an investment perspective, Gross rental yield sits at around 2.3% (low yield). Property prices are near the state median ($1.3M/$1.5M). The price-to-income ratio of 9.4x is considered moderate. House prices have moved +92.3% year-on-year. Population growth of +0.0% 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 Yield2.3% Low Yield
Price vs State$1.3M/$1.5M· Near Median
Affordability9.4x· Moderate
Price Momentum+92.3% Rising
Pop. Growth+0.0%· Stable
Development+0%· Steady
InvestmentNSW
Mortgage · mth$2,400
Rent · wk(Census)$360
Market rent · wk(2026-06)$550
Gross yield1.5%
Price / income9.4x
Population growth · Cabonne LGAABS ERP
Population (2025)13,915
5-year growth+0.1% CAGR
YoY change+0%
20012025
Development · Cabonne LGAABS Approvals
Approvals (2026)31
Houses31
YoY change+0%
Employment · Cabonne LGASALM
Unemployment (Dec-25)1.9%
YoY change+0.7pp
Dec-10Dec-25
Property investors · Postcode 2800ATO
Negatively geared6.2%
1,750 of filers
Avg rental loss$7,975/yr
Landlords (rental income)3,965
Reported capital gains2,570
People & prosperity
DemographicsCensus 21
Population234
Median age40
Household size3
HH income · wk$2,562
Personal income · wk$966
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)10/10
Education (IEO)6/10
Economic (IER)9/10
Disadvantage (IRSD)9/10
Income momentumCensus 16→21
HH income · wk$1,774 → $2,562
Change+44.4%
vs NSW median+23.8 pp
gentrifyingvs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops14
Hospitals · Cabonne LGAAIHW
Public3
Private0
Canowindra Soldiers Memorial Hospitalpublic
Eugowra Memorial Multipurpose Servicepublic
Molong Health Servicepublic
Aged care · Cabonne LGAGEN
Facilities5
Residential places154
Moyne Roshana Care68 places
Prunus Lodge28 places
Yeoval Community Nursing Home25 places
Molong Multi-Purpose Service20 places
Eugowra Multi-Purpose Service13 places
Childcare · Cabonne LGAACECQA
Services15
Approved places478
Exceeding NQS0
Molong Early Learning Centre61 places
Canowindra Pre-School Kindergarten Inc52 places
Cudal Community Children's Centre47 places
Canowindra Out of School Hours Care45 places
Cabonne Out of School Hours Care - Molong44 places
Eugowra Community Children's Centre44 places
+9 more in Cabonne LGA
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Current status
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Sources & freshness
Strong evidence

Summer Hill 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 · 2025 · 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 · 14 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.

Summer Hill Creek FAQ

Common questions
  1. What LGA is Summer Hill Creek in?

    Summer Hill Creek is in the Cabonne Local Government Area, NSW, postcode 2800. Council-level context for Cabonne LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Summer Hill Creek?

    The current median house price in Summer Hill Creek, 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 Summer Hill Creek?

    The median weekly rent in Summer Hill Creek is $550/wk, based on the current market rent dataset. The current rent signal is rent context available.

  4. What does the rent signal say about Summer Hill Creek?

    Rent context available: Summer Hill 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 Summer Hill Creek a good investment?

    QuickProperty's investment signals for Summer Hill Creek 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 Summer Hill 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 Summer Hill 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.