Skip to content
Suburb profile ·Dubbo Regional LGA · NSW ·2830

Terramungamine NSW 2830

Terramungamine is in Dubbo Regional LGA, NSW, postcode 2830, with population 315.

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.

$550/wk
Rising
+12.2% YoY
Jun 2025 → Jun 2026 · 13 periods
NSW Fair Trading · postcode 2830 · Jun 2026
$568
$480
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
$1.0M
House median, latest period
5.1%YoY D6 vs AU
Median rent
$550/wk
Rent context available
12.2%YoY D10 vs AU
Gross yield
2.8%
Low yield band
D9 vs AU
Population
315
315 local footprint
D6 vs AU
Schools
No matched school data
Drive to city
Not in commute dataset
Solar
12,231
450 added 12mo · 77MW
Price cycleRising
LowPeak

7.3% below peak · 200.0% above its low

See trend depth →

Price history

Trend & investor depth

Cycle positionRising
Low · 2010Peak · 2022

7.3% below peak · 200.0% above its low

Price growth (compound)% per year
3-yr
+5.2%
5-yr
+12.0%
10-yr
+11.6%
Indicative cashflow-$592/wk (-$30,774/yr) · interest-only @ 6.4%, 80% LVR
Rent stabilitystable — rents vary ±2.0% around trend (short window, 13 pts)
Value vs advantage-36% 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 Terramungamine

Owner-occupied 91%Rented 9%
Investor activityATO
Negatively geared5.3%
1,430 of 3,261 landlords
Avg rental loss$6,581/yr
Landlords (rental income)3,261
Reported capital gains1,804
The read

Owner-occupier stronghold

85% of homes here are owner-occupied and 8% rented, with 5% of landlords negatively geared.

Why it fits

85% owner-occupied — owner-occupiers hold longer and absorb rate shocks, supporting price stability.

What to check

Gross yield 2.8% 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

53%
of household income to service a new loan
12.0 yrs
to save a 20% deposit
Severe
housing-stress band
Rent vs buyRenting cheaper

New-loan repayment $4,998/mo vs median rent $2,383/mo (+110% · +$603/wk)

If rates move

At 4.2%: $3,990/mo (-1,007) · at 6.2% (current): $4,998/mo · at 8.2%: $6,102/mo (+1,104)

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
9.0x
median home price as a multiple of annual household income
Moderate
Renting
25%
median weekly rent as a share of gross household income (the 30% rule)
Manageable

Owners with a mortgage repay a median of $1,950/mo, while renters pay about $2,383/mo — renting runs $433/mo higher on these medians.

Median price
$1.02M
Household income · yr
$113K
Median rent · wk
$550
Owner mortgage · mo
$1,950
Gross yield
2.8%

Household income

$113K household · yr+37.2% vs NSW suburb median
Personal
$50K
Family
$123K
Household
$113K
Household income distribution (ABS Census 2021 · weekly)15% could service the median house
Under $300
8
$300-649
8
$650-999
13
$1,000-1,499
9
$1,500-1,999
12
$2,000-2,999
18
$3,000-3,999
10
$4,000+
12

Serviceability line: a household needs about $3,844/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 53% of households here would spend more than 30% of income on rent (rent stress line: $1,833/wk income).

Housing stock and tenure

Tenure (98 households)
Owned outright
34%
Owned with mortgage
51%
Rented
8%
Dwelling structure3.8% of dwellings unoccupied on census night
Separate house
100%
Townhouse / semi
0%
Flat / apartment
0%

Getting to work: 76% drive, 0% public transport, 3% walk or cycle, 21% worked from home (2021 Census, taken during COVID-era work-from-home arrangements).

Crime April 2025 - March 2026
3,897
6,837 per 100k
D8 vs AU

Crime

Rate · per 100k6,837
Total incidents3,897· April 2025 - March 2026
  • Assault1,12762%
  • Sexual Offences26715%
  • Robbery271%
  • Break And Enter39322%

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 9.9% 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

Low exposure ~9.9%
~9.9% of the suburb is Bush Fire Prone Land · ~2.6% 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 95% Residential 3% Other 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

6,022 people · 20226,398 by 2032 (+6.2%)

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

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

Located in New South Wales within the Dubbo Regional local government area, Terramungamine is a quiet locality (postcode 2830). With a population of 315, the suburb has an established demographic with a median age of 38. Households earn a median income of $113K per year, with an average household size of 2.8 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, technicians & trades, professionals. Employment in the area leans toward healthcare and agriculture. The top ancestries reported are Australian, English, Irish.

Terramungamine has a median house price of $1.0 million, which has fallen by 5.1% year-on-year. The current median weekly rent is $550. This gives a gross rental yield of approximately 2.8%. The median monthly mortgage repayment is $1,950.

Public transport access includes 10 bus stops. The crime rate in the Dubbo Regional LGA is moderate at 6,837 incidents per 100,000 population.

From an investment perspective, The gross rental yield works out to roughly 2.8%, which reads as low yield. Property prices sit below the state median ($1.0M/$1.5M), which can point to relative value. The price-to-income ratio of 9.0x is considered moderate. House prices have moved -5.1% year-on-year.

Market & money
Investment signalsHeuristics
Rental Yield2.8% Low Yield
Price vs State$1.0M/$1.5M Below Median
Affordability9.0x· Moderate
Price Momentum-5.1% Falling
InvestmentNSW
Mortgage · mth$1,950
Rent · wk(Census)$216
Market rent · wk(2026-06)$550
Gross yield1.1%
Price / income9.0x
Property investors · Postcode 2830ATO
Negatively geared5.3%
1,430 of filers
Avg rental loss$6,581/yr
Landlords (rental income)3,261
Reported capital gains1,804
People & prosperity
DemographicsCensus 21
Population315
Median age38
Household size2.8
HH income · wk$2,172
Personal income · wk$957
Persons / bedroom0.8
SEIFA indexABS
Advantage (IRSAD)10/10
Education (IEO)9/10
Economic (IER)10/10
Disadvantage (IRSD)9/10
Income momentumCensus 16→21
HH income · wk$1,767 → $2,172
Change+22.9%
vs NSW median+2.3 pp
Median rent+16.8%
stablevs NSW 2016–21
Area & amenity
TransportGTFS
Bus stops10
Hospitals · Dubbo Regional LGAAIHW
Public3
Private1
Dubbo Hospitalpublic
Lourdes Hospital Dubbopublic
Wellington Health Servicepublic
Dubbo Private Hospitalprivate
Aged care · Dubbo Regional LGAGEN
Facilities12
Residential places632
Orana Gardens125 places
Kintyre Lodge - Dubbo81 places
Dubbo Homestead Care Community80 places
Maranatha House80 places
Bracken House Dubbo74 places
RFBI Dubbo Masonic Village70 places
+6 more in Dubbo Regional LGA
Childcare · Dubbo Regional LGAACECQA
Services39
Approved places3,041
Exceeding NQS8
Eden Academy Dubbo138 places
Aspiring Early Learners132 places
Hawthorn Street Early Learning Centre Pty Ltd130 places
Kidscape Early Learning Centre Dubbo130 places
Nature's Academy Early Learning Spitfire Drive125 places
Imagine Childcare and Preschool Blueridge Park124 places
+33 more in Dubbo Regional LGA
Shortlist workspace

Save suburbs here while you browse. Once the shortlist has two or more names, hand it straight into compare.

Current status
Add Terramungamine if it deserves a shortlist slot.

No saved AU suburbs yet.

EMPTY SET

No saved suburbs yet. Start with one ranking or suburb page, then compare once you have two candidates.

Open rankings to save the first candidates.

Sources & freshness
Usable evidence

Terramungamine is usable as a read, though it still needs cross-checking.

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 · 10 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.

Terramungamine FAQ

Common questions
  1. What LGA is Terramungamine in?

    Terramungamine is in the Dubbo Regional Local Government Area, NSW, postcode 2830. Council-level context for Dubbo Regional LGA (suburb mix, population, rent, and price coverage) is available on the QuickProperty LGA page.

  2. What is the median house price in Terramungamine?

    The current median house price in Terramungamine, NSW is $1.0M, 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 Terramungamine?

    The median weekly rent in Terramungamine 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 Terramungamine?

    Rent context available: Terramungamine 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 Terramungamine a good investment?

    QuickProperty's investment signals for Terramungamine 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 Terramungamine?

    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 Terramungamine 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.